For the majority of young people, 1 time the way for young people to get in touch with financial management is to buy fund products. Many people generally think that the risk of buying new products is relatively low. But in fact, most young people will lose money in the process of buying funds, and the problems of young people's investment experience and patience are the main reasons for their investment losses.
Experts say young people buy funds as milk tea.
This is a very interesting phenomenon. Although we have repeatedly stressed that the minimum period for purchasing fund products is about one year, and the investment cycle of fund products remains unchanged for more than 3~5 years, for the majority of young people, young people seem to have regarded the basic products as milk tea, so young people often do various short-term operations and are frequently chasing various hot spots.
Young people's investment income is generally not high.
I once read a data about the investment income of young people buying fund products. For young people, less than 50% of young people under the age of 30 can make money by buying funds, and the average investment income of all young people is less than 3%. Although young people frequently know about various hot spots, they always chase up and down according to hot spots, so young people are always losing money.
Young people need to improve their investment patience as much as possible.
Personally, I think it's not that young people don't have the corresponding financial knowledge, but that they are too anxious in the process of investing. Almost all young people don't want to get rich slowly, but want to get rich overnight. If young people can improve their investment patience and enhance their ability to realize investment, most young people will not actually suffer heavy losses. Especially those young people who buy fund products, as long as young people don't mess around, the yield of buying fund products is far more than 3%.