This week, I continued to study financial management in depth and read a book, "Buy a fund to raise my salary".

There are several suggestions for beginners, which are particularly pertinent:

1. Don't touch things you don't know (as people often say, we can't make money beyond cognition, and it's good to read more books if we have nothing to do. )

The poorer we are, the more we need to manage money. We need to have our own golden goose.

3. Choose a financial tool that suits you (people of different ages have different risk preferences, such as entering the workplace for the first time. At this time, you can choose high-risk and high-yield products because you are young; If people reach middle age and their families and careers tend to be stable, then at this time, they should choose more stable financial management tools to maintain and increase the value of assets; For the retired people entering the old age, it is not suitable for high risk, and may be more suitable for bank wealth management or cargo base with stable income)

Introduction of fund knowledge

1. Where can I buy a fund? Now there are various fund apps, or banks and Alipay can buy funds, or they can choose fund companies they trust.

2. The cost of investment funds is basically described in the fund announcement. Be sure to check whether the handling fee is appropriate when purchasing.

3. The main investment methods are: fixed investment and single investment.

Choose fund types according to different investment methods.

One: For the fixed investment method:

1. The first choice is to choose a more reliable fund company with relatively large capital scale, long operation cycle and good performance. Because a fund not only depends on the fund manager, but also a good fund company must have a strong operation team to support it, then the fund income is relatively stable.

2. Secondly, choose a fund with good medium and long-term performance. If you decide to invest, it usually depends on the past year, two years and three years. It will be better in three years. If the time is too long, it may go through an economic cycle, which has no reference value.

3. What indicators do you need to look at? If you make a fixed investment, it is generally held for a long time, so you must choose a fund with less fluctuation. On this basis, the fund with a relatively large Sharp ratio is selected, and the Sharp ratio represents the higher the risk return of the fund unit risk. At the same time, we should also pay attention to the maximum retracement, which reflects the risk of capital control and indicates the biggest loss faced by investors.

4. For fixed investment, the sooner the better, only take profit, no stop loss. Redeem in time, reach your target rate of return and start a new round of fixed investment.

5. To implement fixed investment, it is necessary to make regular inventory and remove miscellaneous things. Fixed investment is not a foolish investment. Check regularly and adjust the stop loss in time for funds with low returns and poor stability.

Second: for a single investment

1. A single investment is generally an investment method that takes advantage of the band, buys low and sells high, and obtains high returns in the short term.

2. For a single fund, the performance in the past three months, six months and one year has been good.

3. For a single investment, you need to choose a fund with high volatility and a high return on investment. Because it is short-term operation, the importance of stability is not so obvious.

4. For large-scale investment, you need to do your homework diligently and grasp the pulse of the market. Understand the market trend, make fundamental analysis, then judge the timing of entry and exit and make technical analysis. You should enter the stadium in batches, and you should also enter the stadium in batches.

For a single investment, you should not only know how to take profit, but also know how to stop loss.

For a single investment, there is no actual operation in the current research, so we will not discuss it too much for the time being.

See you next time. ...