A few years ago, there was a widespread story: almost all the retail investors in a securities company lost money, only the old lady who looked at the bicycle at the door made a lot of money, so everyone asked her for the secret recipe of stock trading. She said that the bicycle at the door was an indicator of my stock trading. There are few bicycles, and when the stock market is depressed, I buy stocks. There are many bicycles, and when everyone is rushing to buy stocks, I will clear the warehouse. This story tells the truth that "you can't make money by following the crowd, but you can make a fortune by doing the opposite." In fact, the old lady unconsciously used reverse thinking. Today, with more and more financial channels and relatively more difficult operation, using reverse thinking to manage financial affairs scientifically will achieve extraordinary benefits.
We might as well abandon "absolute stability" and "speculate" appropriately.
At present, savings is still the main channel for people to manage their finances. Although its income is relatively stable, the current interest rate is a low period in history. The current annual interest rate is only 0.576% (after tax), and it is only 1.58% on a regular basis. It is difficult for such a low income to resist the risk of currency depreciation brought about by rising prices. Therefore, young and middle-aged investors who accept new things quickly may wish to abandon the traditional concept of "it is safest to deposit money in the bank" and appropriately carry out some "speculative" financial management with risks but relatively high returns. In addition to investing in stocks, gold, futures and real estate, there are open-end funds, foreign exchange speculation, dividend insurance and so on. Recently, many banks and securities companies jointly launched an entrustment business called "Poly Finance", and most of these investment methods will have higher comprehensive income than bank deposits. In addition, in recent years, the vast number of gold and silver coin investors have also made very rich profits. If individuals have a certain understanding of coins, they might as well buy gold and silver coins when the price is right, and then "resell" them when the price rises.
Might as well abandon the "herd mentality"; And "finding another way"
Most people have "herd mentality" in financial management. They see that everyone is trading in stocks, regardless of whether they understand stocks or not, they rush headlong into it, and everyone is a "stock". A company launched a high-interest fund-raising, although it was not handled publicly, but its interest rate was as high as 8%, and many people had already received dividend income, so the news spread and many people rushed to participate without knowing the company's operation. Compared with conformity, my colleague Xiao Zhao is quite opinionated. No matter how the friends who stock the stocks persuade him or how the friends who participate in fund-raising and dividends mobilize him, he always manages his money in a different way according to his own judgment. Last year, after analysis and calculation, he found that the investment value of an open-end fund was relatively large, and he bought 20,000 shares when nobody cared. As a result, in less than a year, even with the increase in dividends and fund net value, the income exceeded 10%, while those who blindly participated in fund allocation not only failed to get 8% of the income, but also almost lost their money. Therefore, financial management should not blindly follow the crowd, but should be combined with their own actual financial planning, calmly geography of their wealth.
Might as well abandon "diversification" and "put all your eggs in one basket"
People who lose money in stock trading tend to believe in diversification more. For risky investments, "not putting eggs in one basket" can really achieve the purpose of dispersing and reducing risks, but if you deliberately and blindly "disperse", it will sometimes be counterproductive. Lao Zhang and Lao are both stable investors, but Lao Zhang follows the principle of diversification and is interested in various investment methods. His friend promised to borrow money from him at a high interest rate. He knew there were risks, but he was afraid of missing this opportunity to make a fortune, so he borrowed 654.38+0 million. Later, his friend's factory closed down and the loan was a dead loss. Although this 654.38+00000 yuan is only a part of his "diversified investment", it is related to Lao Li's seeing that the national debt can enjoy the corresponding interest rate without paying interest tax. He thinks this way is safe and has high returns, so he "put all his eggs in one basket" and bought the national debt. As a result, the annual income due this year is close to 3%. It can be seen that in the case of high returns and complete security, you can "put all your eggs in one basket". At the same time, you can't be scattered for the sake of dispersion like Lao Zhang, and get involved in high-risk investment fields that you are not sure about.
Might as well abandon "frugality" and "spending after earning"
There is a story in Aesop's Fables: a rich man hides gold under a tree in the garden and digs it out every week to indulge himself. However, one day his gold was stolen by a thief who discovered the secret. The man was heartbroken and in great pain. Neighbors came to see him and asked what happened: do you never spend money? He replied: No, I just dig it out every week. The neighbor told him that it doesn't matter to you whether you have money or not. Now, there are many such "rich people" in our lives. The ultimate goal of financial management is to continuously improve the quality of life of the whole family. If you just save money and don't spend money like this rich man, even if he has a high annual income and saves a lot of money, it can't be regarded as scientific financial management. The best he can say is that he is "good at saving money". Therefore, there should be a consumption plan in financial planning, and the consumption in tourism, culture and children's education should be appropriately increased under the condition of ensuring the normal expenses of families. In this way, if the quality of life is improved, investors will have more energy, motivation and confidence to make more money.