It is everywhere and runs through personal finance. If you can't manage the funds well, you can't succeed. Fund management should follow the following principles.
First, establish family security first.
The key to successful investment is a good attitude. Where does a good attitude come from?
Worry-free food and clothing, stable life and family harmony are the foundation.
First of all, we should establish a good family security, and keep the living expenses and the money for houses and cars for at least half a year in case of emergency.
Take futures trading as an example. Futures is a job of watching the weather. Not for five years. It's normal to drive for five years. Only big fluctuations can make big money. However, I'm afraid the time of big fluctuation is less than 10%, and other times are small fluctuations. It is difficult to maintain living expenses by these small fluctuations. If you don't have enough savings to support your living expenses for several years, it will be difficult to do futures full-time. Especially the poor second-generation novice who just entered the market, with little capital, can start looking for a job related to futures trading and learn trading while working.
Second, we must ensure the safety of funds.
There are many opportunities in the market, and investment and financial management are also very interesting, but we must have a good attitude and strictly abide by the rules. First, put the safety of funds first. If you step into a new field and don't know enough, you should reduce the transaction scale and test lightly.
Mentally eager for success, it is the easiest to make a big mistake-"losing money and adding a heavy position." A master of money management will not overload the account, but use profits as a cushion. In fact, the really safe operation method is to use the trial warehouse to make a profit first, and then use the profit as a cushion to make the account bigger in the general trend. Turtle trading rule is a typical tactical representative.
Third, timely harvest and transfer profits.
Investment is doing business, and there is a problem of recovering the previous investment. You can't just come in and out. The investment market is very risky, and it is easy to return to the market if the profit is not taken out in time.
When the transaction goes well, people tend to be numb in a happy atmosphere and make big mistakes.
Fourth, the professional combination of one attack and one defense.
Ideally, there are both stable investments under the name of an individual, such as Yu 'ebao, which is a money fund, and there is basically no risk of loss; At the same time, there is a sum of money for high-return speculation. There are points and combinations between the two, which complement each other. This is not a simple "1+ 1 = 2", but more powerful.
Similarly, there is a combination of spot and futures. Especially in the futures market, there are spot enterprises behind many successful futures cases. Similarly, husband and wife can also attack and defend, the husband earns wages to maintain the needs of the family, and the wife focuses on speculative business.
Fifth, the principle of fun.
Money management is faced with figures, tables and various analysis results, so we should maintain a high interest. With interest, stick to it and the effect will come out.
Take margin trading as an example, this leveraged transaction is a double-edged sword with high returns and high risks. Therefore, prudent fund management will limit the biggest loss. Also be clear about the possibility of profit and loss. Assuming that the profit margin is 4,000 yuan and the loss margin is only 2,000 yuan, then the risk-return ratio is 1:2, and this transaction is worth a try. At the same time, protect your profits. When you make a profit, increase the moving stop loss accordingly.
Watanabe is a full-time housewife in Kyoto, Japan. Besides taking care of her family, she also studied foreign exchange trading. She invented the "time position operation rule"-shorting in the downward trend, rebounding for three weeks and using three positions; Bounce five times and use five postures; Rebound for eight weeks and use eight positions. If it is wrong, hedge the risk in time. "It is quite interesting to look at the time and the size of the position together." Watanabe elementary school students commented on the fun of fund management.