First, why wealth anxiety?
Recently, the United States intends to levy a 60 billion yuan import trade tax on China. The domestic market sentiment is fierce, and the market index plummeted. Many "investors" are afraid and don't know what the future trend will be, so they sell their assets one after another, which further leads to a plunge.
Many friends asked questions in the group: What do you think, teacher? What should we do?
Ironically, just after the Spring Festival, the global market index also plummeted. The question at that time was the same as these days: What do you think, teacher? What should we do?
In the foreseeable future, the same problem will recur, and their anxiety will only increase, just like a roller coaster.
In addition to the panic caused by hot spots, there are many panic related to just need.
For example, buying a house, at the peak of real estate speculation, people go crazy to buy a house with pyramid schemes, but those who have no money to buy a house or have several suites are also anxious. If they don't buy it themselves, will they be unable to afford it in the future, or will they earn millions less?
Hot issue every year: Teacher, is it appropriate to buy a house now? Is it suitable for investment? Where is suitable for investment?
What is also needed is insurance. Many people regard insurance as an investment category, but they don't understand its internal logic. They throw a lot of money indiscriminately and think it is more cost-effective than bank deposits.
A hot issue that can last for more than 10 years: Teacher, you said that there are loopholes in insurance, how to buy it?
The biggest harm to individuals and families is pyramid schemes and financial scams, which cost tens of thousands to tens of millions every minute. /kloc-in 0/7, a girl born after 1990 cheated 300,000 in just three months with "foreign exchange pyramid scheme". Hundreds of years ago, "tulip bubble" directly turned the Dutch powers into third-and fourth-rate countries, and the economy has not recovered yet. Ponzi scheme 200 years ago
A hot issue that can last for hundreds of years: Teacher, how should I choose to invest in such a big product?
These phenomena are actually warning us that ordinary people in China, like the United States 200 years ago, have no idea about investment and financial management, and they will fall into financial scams and financial risks in minutes.
The core root is that ordinary people do not have the ability to understand business logic.
Second, the root cause of the lack of business logic
Business logic is actually the way money flows in the business world, and you can simply understand it as the way of making money from various products in the business world.
A little tacky. Many of our parents don't even want to talk about money with us. This is also the problem that many parents lack financial quotient, which leads to the low financial quotient of the next generation.
Any investment product that you think you know better, do you know what this investment and wealth management product makes money from?
Most people don't know, or even understand.
If you know, that's good. Next, think about it. Do you know what products you invest in make money?
Maybe you don't think it's necessary to know what money this product makes, just make money!
This may be true, and many people think so, so financial scams and risks are set according to this "humanity". Don't you just value "income"?
If I were an investment institution, I would tell you that our products have high returns. As for how to make money, it's too complicated to understand at your level. Just leave the professional things to the professional people. Why do you know so much? The less you know, the better! Buy our products and you can make money!
So there is a kind of "enduring" product, which sells very well at home and abroad regardless of the region, and is still being sold now, and the sales volume has been increasing for more than 200 years. It's just different packaging. The best-selling place of this product in China is Beihai, Guangxi, and you may like it, too.
No matter how the product is packaged, it has the following characteristics:
The price of this product is like a stock that only goes up and doesn't fall.
Will continue to split, 1 change 2 will double, change 2 to 4 will double.
0 risk, 50% annual income
The invested funds can be cashed at any time.
If you invite people to join, you can even earn 30% a month.
Promote service products such as medical care and tourism, or financial concepts that you don't understand at all.
0 risk, annual income of 50%, 654.38+0 million can be doubled in two years, or even doubled in half a year. What a good product.
Will you buy it? People with a little common sense and reason will not buy it. You may already know that this is a pyramid scheme, also known as Ponzi scheme.
However, everyone is rational. Why do many rational people still fall into this pit and lose millions?
They saw that everyone around them made money. Anyway, if others make money, they will earn a lot less if they go in late. Even if you don't understand, you don't have much time to study because you have to make money.
They did make money when they went in. Now that you have made money from testing, you should invest more. Borrowing money to invest is a good thing.
Even if they know that this is a pyramid scheme, they will think that they will come out if they earn a little, and they will not stop if they earn a little.
The most fundamental question is: when they invest, they only see one dimension-whether this product makes money, but they don't see a higher dimension-how does this product make money?
Only pay attention to high returns, and fall into financial pyramid schemes and scams in minutes.
Third, how to improve our business logic?
In order to improve our business logic, we should train our thinking into that of shareholders, not creditors.
The thinking of creditor investors is this: I give you money, I don't care what you do with your money, as long as you give me income on time.
Just like the popular private lending, if it is a three-month short-term loan, the interest will be higher. If it is a loan of 1 or even five years, the interest will be lower, and the interest will be paid annually or monthly or once. Borrowed and returned, it is not difficult to borrow again. What creditors are most concerned about is that the other party pays back the money on time. As for whether the emergency funds are used for business, real estate speculation or loan sharks, creditors will make a simple investigation, but they will not understand it in depth.
This kind of loan demand is particularly large, which developed into P2P on the Internet and broke out in 20 14. You invested your money in this P2P platform and got a fixed income of about 8%. As for what the money is used for by P2P platform, you know nothing and you don't care. All you care about is whether you can get the income regularly. In recent years, many P2P platforms have closed down and investors have lost all their money.
This is the thinking and harm of creditor's rights investors, who don't care how to make money from the categories they invest in! The final income is not only gone, but even the principal is put in!
You value the income of others, and others value your principal.
Think about the products you invest in (funds, stocks, real estate, foreign exchange, futures, spot, bitcoin, P2P, etc.). Do you know how it makes money? Or do you just care about the benefits and risks?
Then the conclusion is clear: more than 80% people are creditor investors.
What about shareholders and investors?
They value not only income, but also what their money is used for. How much money they earn has something to do with themselves.
For example, if someone buys shares in a company and becomes a shareholder, he can only share the money when the company makes money. If the company loses money, it will definitely lose money, so we should know what the money is for, how to make money and how effective it is.
At Buffett's shareholders' meeting, the key point is to tell shareholders where Buffett spent his money and how effective it was, which is also a concern of shareholders. This is different from the indifference of creditors and only focusing on income.
When investing in a category, shareholders should be aware of at least two aspects:
How does this product make money?
How much money I earn is related to me, and how much can I get?
Many people invest in funds. Do you know how the fund makes money? You buy investment and financial insurance. Do you know how to make money from this kind of insurance and how to allocate it to you? Most people don't care at all, only care about interests!
99% of pyramid schemes, you don't know what products it makes money from, so the money it makes in the end is the principal invested by others.
Set a principle for yourself: if you don't know how to make money from a product, don't invest! By following the principle, you can avoid 99% financial scams and risks!
Even the simplest wealth management products are unclear to many people. Taking wealth management products as an example, how do we establish the "shareholder investor" thinking for ourselves?
Find a product (wealth management product) that has been invested.
Simple classification (guaranteed and non-guaranteed financial products)
Study different kinds of ways to make money, through systematic study, or consult professionals, Baidu, Google (what are banks doing with the money customers get from buying bank wealth management products? How to make money? )
Understand the risks and sustainability behind these ways of making money (wealth management products also have medium and high risks and will also lose principal. If they are wrong, they may not make money or lose money; Some products only make money in stages and can't last)
The money earned by studying these products is related to us in the end (wealth management products will give us some money)
Do the same analysis for other products you want to invest in (such as funds, stocks, futures, P2P, foreign exchange, etc.). ).
Maybe you think these steps are quite complicated, so you can do a simple training:
Can you explain in five minutes how this product makes money?
If you don't know how this product makes money, don't invest. If you know clearly that you want to invest, you have to understand that this product is very profitable and how much money will be given to you in the end. Otherwise, it may have nothing to do with you if the product makes money again.
Even for daily consumption, you can buy a milk and air conditioner and an insurance through convenience stores and breakfast shops. How do this store and this company make money?
Teacher Zhao often buys bread in the bakery. This store has many chain stores in Beijing, and its business is booming. Every time I buy bread, many people come in and out. Teacher Zhao will think: If only I were a shareholder in this store. This is a money-making machine. If I spend my money in the right place, I will have a steady stream of income!
This is a typical shareholder investor. If you want to establish your own business logic as soon as possible, become a shareholder investor and embark on the right investment path, then you can start training now-think about how to make money from the products you invest. Can those profitable businesses become their shareholders?