Although the world is affected by the epidemic in 2020, it is still possible to manage finances. Whether you will lose money depends on different financial products.
After all, any investment and any financial management are risky, and there is a probability of losing money. The only difference is the probability of losing money for each financial product.
Financial management products are generally divided into two types, one is principal-guaranteed and interest-guaranteed, and the other is non-principal-guaranteed financial management.
(1) Capital-guaranteed financial management means that the principal is safe and guaranteed, and the probability of losing money on the principal is very low.
Such as treasury bonds, bank deposits, bonds, and some bank capital-guaranteed financial management, etc., these are all capital-guaranteed financial management.
(2) Non-capital guaranteed financial management means that financial management products are risky, investors need to bear certain risks, and the principal may be lost.
Similar to some medium- and high-risk financial products, stocks, hybrid funds, futures, crude oil, etc., the probability of losing the principal of these financial products is quite high. Affected by the epidemic this year, can I still manage money?
The current global epidemic is severe. The epidemic has caused a national economic recession, causing global financial markets to fluctuate. Stock markets, crude oil, futures, etc. continue to plummet.
So in the environment affected by the epidemic, various financial management opportunities and risks coexist. Not all financial management options are denied and cannot be invested.
For example, you can choose to use funds to purchase treasury bonds, which are not affected by the epidemic. In other words, if you deposit your funds in a bank deposit, the bank deposit interest rate will not be affected by the epidemic.
Of course, if you have relevant financial investment experience, you can use your own funds to buy gold. Gold is a safe haven and can also be converted into U.S. dollars. The U.S. dollar will not depreciate but appreciate during the epidemic.
Another kind of financial management is to wait for the stock market to stop falling. Now many stocks have fallen out of value. You can also trade in stocks, buy one or two value stocks at low prices, hold them, and wait patiently for the arrival of the bull market. .
These are all products that can be invested and managed during the epidemic, or after the epidemic is over, which completely refutes the idea that financial management cannot be done under the influence of the epidemic. Will you lose money through financial management?
As analyzed above, there are certain risks in any financial management, and there is a probability of losing money. It is just the probability of losing money.
If during the epidemic, you choose some capital-guaranteed financial management methods, such as purchasing government bonds, depositing bank deposits, bond investments, or purchasing bank capital-guaranteed financial products, etc., you will not lose money if you choose these financial management methods. , the principal is very safe, and the probability of losing money is extremely low.
If you invest in some low-risk financial management, the probability of losing money is very high. The stock market has continued to plummet recently, and most people who speculate in stocks have suffered heavy losses, and the probability of losing money is high.
The second is some index funds. Those who have invested in these index funds recently must have lost a lot of money.
Based on the above analysis of the investment and financial management market during the current special period of the epidemic, it is definitely possible to manage finances at present, and it is most important to choose a financial management method that suits you.
If you really want to take any risks and are not willing to lose money, the only choice is treasury bonds and deposits. These two can be bold in financial management and will never lose money.