to understand yourself, you must first understand your risk tolerance.

risk tolerance is divided into two parts, one is objective asset status, and the other is personal subjective consciousness.

when we look at our income, we will find that sometimes we make a big profit, up by 1%, sometimes we lose a lot, down by 8%, and sometimes the income is like taking an elevator, up and down. Can your heart stand it?

Some friends, even because of too much loss, can't sleep all night, and even make regrettable excessive behavior.

For young investors and friends with risk tolerance, you can try stock funds. But we must have a clear understanding of our risk tolerance before we can move on to the next step.

how do you know your risk tolerance? We can test it on many third-party platforms, such as Alipay, Tiantian Fund and so on. We can get our risk tolerance objectively!

after the risk test, you will get your investment style. Generally speaking, it can be divided into three categories: conservative, robust and positive.

Now, let's introduce the specific conditions of these three types of investors and what types of investment products are suitable for them:

The first type of investors are conservative. As the name implies, these investors are more conservative, risk-averse, unable to accept temporary investment losses or asset fluctuations, paying attention to the safety of principal and unable to accept asset losses; Because the main goal of such investors is to keep the principal, and then consider making money.

Conservative investors are suitable for investing in some low-risk or risk-free products, such as investment bank time deposits, treasury bonds, money funds, dividend insurance, etc., which can help you keep your principal and have certain income;

or some products with low yield fluctuation. The annualized income of these products is generally less than 5%, and there is generally no loss.

The second type of stable investors can bear certain investment risks and strive for the balance between investment risks and asset appreciation. The main goal of investment is asset appreciation, and they can tolerate the price fluctuation of investment targets in order to obtain the target income.

Steady investors can choose a wide range of investment products. Besides those suitable for conservative investors, they can also consider allocating various bank wealth management products, bond funds and a few stock funds.

The annualized income of these products is generally around 1%, and the maximum loss will not exceed 2%. Relatively speaking, the risks and benefits are relatively balanced.

what about the third positive type? Active investors can also be called aggressive risk appetite, and their purpose is very clear, that is, to play the heartbeat! The purpose of investment is to obtain excess returns.

in order to obtain high returns, they can accept the drastic fluctuation of product prices and bear considerable investment risks and principal loss risks.

This type of investors can choose more products. All funds, as well as stocks, foreign exchange, precious metals, futures and various financial derivatives are acceptable. These products may earn 1% in one day, or lose all their principal in one day, but they can bear it under the circumstance that the risks and benefits are very huge.

finally, the choice of investment products should not only look at their own risk tolerance and product risks, but also combine other factors.

Just like falling in love, you should pay more attention to other aspects as well as your face. Think carefully about how long the money you invest can last, what is your investment goal and so on.