The two guests introduced today are certainly not as famous as the three yesterday, but if you like financial management and investment, it would be a pity to miss them.

Because they are not "Internet celebrities", they are big names in the professional field. They are not famous just because we novices can't get close to other people's circles.

After thinking for a long time, I decided to share more practical information. Novices learning financial management will one day become professional and sophisticated. It never hurts to have more exposure.

Zuo Zhijian introduced that Zuo Zhijian was the news director of "21st Century Business Herald". He founded Thumb Reading at the end of 2012 and sold it to JD.com in 2014.

He is the founder of Zhuji Information. Its main business is family financial information, and its target users are China's middle- and high-income people.

His main investment areas include: primary market, angel investment, familiar P2P platforms with asset advantages, small houses in first-tier cities, entrepreneurship, etc.

The title of Zuo Zhijian's speech was "The Learning of Happy Wealth for the Middle Class". The title was a bit big, but some of the content was still to the point.

1. A book - Borg's "The Way to Long-term Winning Investment". This book is called the "God of Funds"'s work of persuasion. I will share my reading notes of this book with you when I have the opportunity.

2. A concept - cognitive dividend. We have known the saying "knowledge is power" since childhood. In today's Internet era, this statement has been reinterpreted.

It means that when you understand a certain piece of knowledge one step earlier than most people and put it into practice appropriately, success will come fiercely and unstoppably. This is the "dividend" brought by "cognition".

The biggest example is Jack Ma. He went to the United States to experience the Internet in his early years. When he came back, he recognized the future of the Internet. Today, he is the biggest enjoyer of the "Internet cognitive dividend".

The same goes for investment. It depends on your understanding of the objective world and the subjective world. In the objective world, you need to grasp business logic and market trends, and in the subjective world, you need to understand your own weaknesses.

3. Some tips: First, less is more. Only by focusing on less can you stand out.

Only the kings of subdivided fields can have excess income, and income = professional ability * time * monopoly effect.

The second is to find an intersection between interest and ability, and then persist in doing it.

Third, reading a lot can help you find a way to get along with yourself and the world.

Harvest 1. Lifelong learning is really important. Just imagine, without continuous learning, where would the "cognitive dividend" come from?

2. There is a documentary by Warren Buffett. After watching the whole article, I only remember the word "focus". Zuo Zhijian also emphasized these two words again and again. It can be seen that in any field, only those who stand at the top of the pyramid will have excess returns.

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Zhou Yong introduced Zhou Yong, a wealth management expert and senior financial media person who has long been concerned about the macroeconomic and financial fields.

Tips 1. Zhou Yong once personally practiced the charm of fund fixed investment. He had a successful fund fixed investment experience from 2010 to 2015. At the beginning, he invested 200 yuan per fund every week. When the market fell below 2,000 points, the multiple increased every time.

After a long period of losses, he successfully reaped considerable profits in the bull market of 2015.

2. What is fixed investment? Fixed investment is a long-term matter. Cash flow planning should be done well and good profit-taking targets should be set. 3. How many funds are suitable for fixed investment? Zhou Yong believes that "4" is a good number, neither more nor less. It is easy to track in the long term and also

To facilitate the establishment of a fund portfolio, you can select 2 active funds and 2 passive funds.

4. How to choose a good fund that has been established for more than 3 years. The performance in the past 3 and 5 years has been very high. The fund manager is relatively stable and outstanding. 5. What are the pitfalls of fixed investment? QDII funds do not recommend fixed investment because they are limited by foreign exchange quotas.

It may be impossible to buy at any time, and it will not play the role of long-term fixed investment; bond funds are not suitable for fixed investment because the fluctuations are relatively small, the peaks and troughs are not obvious, and withdrawals cannot have the characteristics of fixed investment in smoothing investment risks; do not be fooled by the so-called theme type

Deceived by funds, funds with "One Belt, One Road" in their names are likely to have nothing to do with "One Belt, One Road".

6. Before the dance ends, remember to leave the market with two indicators. This is when you should harvest your fixed investment: when the single-day trading volume of A-shares exceeds 1 trillion or when everyone starts talking about stocks.

Investment mentality - the most romantic thing is not to reach the stars and the sea, but to arrive in the fertile fields. Coordinate in the fourth-tier cities, go to work during the day, get up early to write, insist on originality, and share the most suitable financial management experience for working people.