Fund is an asset management plan developed, designed and sold by fund companies. Mainly invest in stocks, bonds and other assets, the purpose is to obtain excess returns, and the benefits and risks are borne by customers.
First, financial planning:
1. Check your assets.
Including stock assets and expectations of future earnings, knowing how much money can be managed is the most basic prerequisite.
2. Set financial goals
It is necessary to define the financial target qualitatively and quantitatively from the specific time, amount and description of the target.
3. Clarify the types of risks
Don't make the assumption of risk preference without considering any objective situation. For example, many customers put all their money into the stock market without considering parents, children and family responsibilities. At this time, his risk preference deviated from the range he could bear.
4. Strategic asset allocation
Do asset allocation among all assets, and then choose investment varieties, investment timing and investment value. [4]
Financial investment also has certain risks. Beginners can take a look at the following suggestions to control risks:
First, investors are not brokers and must not enter the market at will, otherwise they will only lose more and earn less.
Second, we should have a target price in mind, not a price in mind.
Third, we must set a stop loss point, reach the stop loss point, stop the loss quickly, and leave.
Fourth, don't amplify the lever too much.
Fifth, do more analysis before entering the market, read more news from both sides, and read more charts; After entering the market, you should keep in touch with the market, and don't just look at the news that is beneficial to you just because you are doing well. At the first sign of trouble, close your position immediately.
Sixth, don't be die-hard. When speculating in foreign exchange, sometimes it depends on the wind direction and rudder, so don't stick to your own opinions. Ten thousand kinds of market are attributed to the market, which means that sometimes good news enters the market, but the market is not good, but it falls, that is, your previous analysis is wrong. Please make a quick decision, don't be stubborn. If you are a novice in financial management, you can apply for a foreign exchange simulation account at Global Jinhui first and experience the basic steps of simulating foreign exchange speculation. Slowly, you will learn, and finally you will learn more about financial management.
Second, financial investment hotspots
The innovative financial management method represented by P2P online loan model has been widely concerned and recognized. However, compared with traditional financial services, P2P borrowers are individuals, mainly taking credit loans to raise funds for the society. And the corresponding P2C, an upgraded and evolved version of P2P online lending. P2C is still financing for the society, and the main borrowers are mainly enterprises.
Take the P2P online lending platform Love Investment as an example. The borrower is an enterprise with stable cash flow and repayment sources. Compared with individuals, the information of enterprises is easier to verify and the source of repayment is more stable; At the same time, compared with the credit loan form of P2P platform, the P2C model initiated by Ai Investment requires the borrower to have guarantee and mortgage, which is relatively better in security.
P2C loans that love investment are strictly limited to small and medium-sized enterprises with good entity operation, loan demand and fixed assets mortgage. At the same time, relying on the offline multi-financial guarantee system built by Ai Investment, the inherent contradiction in the P2P model is completely solved structurally, and the security guarantee is more practical and powerful.