The essence of investment is exchange. If you want something, you have to exchange it with what you have, and you will get it if you give it up.

Recently, the market plummeted, and a friend around me asked me:

Tired of the beating of the stock market last year, I don't want to be a leek in 2022!

Can you recommend some products with high returns, low risks and good liquidity?

After all, children make choices and adults want everything. ?

I just want to say: you are still too young!

Remember brother Qin Ming's words:

If someone tells you about an investment, you can make a steady profit without losing money, and you can quit at any time if you don't want to invest. Do not hesitate to report him immediately.

Whether he is a great god with a screenshot of the income of a circle of friends or a relative with blood relationship around you. As long as he says so, he is either a liar or a fool. ? There is a law in investment called the impossible trinity law.

In other words, it is impossible for any investment in the world to meet the requirements of high return, low risk and high liquidity at the same time. If you give up, you will get it. You can only choose the second of the three and you must give up one. ?

What are profitability, security and liquidity?

Profitability is how much return this investment can bring, 5% a year or 10% a year? ?

Security, in turn, is called risk, that is, will this investment lose money if it is not reliable? Will the boss take the money and run away?

Liquidity refers to the speed and ability of converting investment products into cash, that is, whether funds can enter and exit at any time during the investment process and whether they can be bought and sold at any time. ?

How to understand it? In fact, there are three situations:

1) Investment products with high returns and low risks must have poor liquidity. ?

For example, time deposits have higher returns, but their liquidity is not as high as demand deposits.

Another example is the house. Although the income is high and the risk is low. But the liquidity is very poor, and it usually takes several years to sell. ?

In the past 20 years, China's real estate speculation has made the most money. For a long time, real estate has always been the favorite investment tool of ordinary people. The continuous rise in housing prices has made many people earn a lot of money.

However, with the introduction of the housing policy, it is very dangerous to invest in real estate with loans now. Nowadays, the investment properties in many cities are in the wait-and-see or price reduction cycle, and the liquidity of houses will become very poor. A house may not be sold after hanging for half a year. ?

If it can't be sold, or it will be greatly discounted, then this investment is undoubtedly very uneconomical.

2) Satisfy low-risk and high-liquidity assets, but not profitability.

The simplest examples are demand deposits, national debt, money funds and so on. These products are safe enough to be converted into cash at any time, but the income is low. ?

It is difficult to run through inflation by holding such investments for a long time, let alone earn sideline income from them.

For case sharing only, no investment advice is provided.

The stock market is risky, so you need to be cautious in investing.

3) Assets that meet high returns and high liquidity cannot meet security.

The most typical is many P2P products in the past. Put the money there and take it when necessary, and the annual income of 15% will be alleviated. Attracted a lot of public capital to enter.

But it can't satisfy the security, and once there is a crisis of fund repayment, it will be fatal.

You look at the benefits of P2P, and P2P looks at your principal.

In fact, there is still a lot of Trinity in our life.

For example, the impossible trinity at work: without such a job, less money is close to home.

Less work means less responsibilities, less rights and less potential income. (Except, of course, the second generation went to their own company for internship, huh? )?

The impossible trinity of life: a happy family, a successful career and good health.

It takes time and energy to build a career. If you want to do a good job, it means that you have to sacrifice a lot of time to spend with your family and compete in the market.

Staying up late and working overtime for a long time is doomed to poor health.

The essence of society is exchange. If you want something, you have to exchange it with what you have, and you will get it if you give it up.

Therefore, if you want to get a good return through fund investment, you must bear a certain risk of principal loss; Either sacrifice long-term liquidity to buy broad-based index products or buy closed-end funds. ?

Don't think about taking the same risks as bank demand, but you can enjoy the liquidity on demand, with an annual income of 30%. ?

If you are naive enough to encounter such a product, you are either in a scam to cheat money or in your dream!

Always remember: high return, high risk and high liquidity, only two out of three, give up 1.

If you don't choose all of them, be careful to become poor after being greedy! Admittedly, high returns are accompanied by high risks!