Whether it is bonds, deposits, investments, stocks, funds or insurance. , are investable projects, which can benefit investors in essence. With the prosperity of economy and the development trend of the times, investment can not only gain income, but also be used to offset inflation to some extent.

The difference between investment and speculation:

1. The cycle length varies. Investment is usually a long-term holding of securities, stocks, etc. Speculation is a short time, usually a quick buying and selling behavior.

2. Focus on different interests: investment focuses on long-term interests, and short-term losses will not affect the entire investment interests. Investment focuses on short-term returns, and short-term price fluctuations have a great influence on speculative returns.

3. The degree of danger is different. Because of the long investment cycle, investors can adopt decentralized fund management during the investment cycle, which can reduce risks. Investment is only a concentrated high-risk investment behavior, and the probability of loss is very large.

4. Differences in understanding. Investment is generally a product that knows more about the transaction. Speculation is completely a follow-up behavior, and people don't know the value of the products they buy after the transaction.

Judging from the long-term investment results, the reason why stock market investors have "seven losses, two draws and one gain" is because there are huge cognitive differences among investors. More than 80% of investors do not have a clear investment concept, investment strategy, trading rules and a long-term winning trading system. 10% people who make money have higher investment awareness and better investment transactions.

In other words, this statement still has some limitations, that is, it ignores the influence of investment luck and randomness.

Trading is the basis of making money by investing. To make money, you have to buy low and sell high. Both value investment and opportunity speculation follow this principle. The so-called "spring planting, summer sowing, autumn harvest and winter storage" correspond to the four operation stages of investment: "buy low, hold high, throw high and wait".

Although this is true, "knowing and doing" is completely different. Most people are not good at timing trading. Chase up and kill down, buy high and buy low, and cut meat and stop loss can be seen everywhere.