The content and the teacher's analysis are roughly as follows: A classmate, Qiu Zi, started to invest in a certain fund in 21, and invested 3 yuan on the 8th of each month for six years, and finally redeemed it all yesterday, ending up with a net loss of more than 2 yuan. She feels quite happy. She feels that she saves 3 yuan every month, but she has saved tens of thousands in the fund account.
the ball boy doesn't think so. This is obviously a very sad story! Because of her fixed investment, the yield was as high as 5% or more. It's a pity that she didn't take it out and watched all the proceeds fall away.
oh! No! Not just watching, after she set a fixed investment, she let it deduct money from the bank card every month, and she didn't care about the income for six years. After listening to her, the ball felt completely unreasonable.
this operation is simply too bad! !
she made a big mistake. What's wrong? The fund can make a fixed investment without a stop loss, but it must have a take profit.
the fixed investment of the fund should also take profit.
it is reasonable to say that any investment needs to have a take profit and a stop loss, but the stop loss is not so important when the fund decides to invest, but it must take a profit. As you know, the stock market is cyclical. If you invest in the income accumulated for many years and don't take profit when the bull market comes, your income will eventually disappear with the arrival of the bear market.
From the whole incident and the teacher's analysis, I come to the conclusion that learning and management are important.
? One? The importance of learning
When analyzing the incident, the teacher said that an important rule in investment is: Don't touch what you don't understand!
On the study of punching in, I wrote the following sentiment: No matter whether it's a fixed fund investment or other investments, you should never invest blindly if you don't know, otherwise, we will eventually be leeks slaughtered one after another.
so, how to avoid this kind of experience, whether it is the fixed investment of the fund or other work fields?
1? Study, learn theoretical knowledge.
Learning theoretical knowledge is the most basic common sense. Only by understanding the performance, characteristics, efficacy and laws of products can we better use this knowledge to solve problems.
just like learning to drive, we have to learn traffic laws and regulations first.
By studying the traffic law, we know the theoretical knowledge such as where we can pass, where we can park, what kind of lights to use and so on.
In the past, I especially didn't understand why some relatives around me would be fined thousands of dollars a year, and one of them was even more exaggerated, tens of thousands.
in fact, combining the characteristics of these two people, it is not difficult to find that they only have a second-grade primary school culture, and many words are strangers with them, and they don't communicate with each other. It is easy to explain that they pay those expensive fines at the points.
learn the structural framework of the vehicle, the characteristics and functions of each component. Learn to understand, master skills and solve practical problems.
Everything in the world can only be invincible if we know ourselves and ourselves.
? 2 learning practical experience
at any time, theoretical knowledge cannot be divorced from practice, otherwise, theoretical knowledge will become an armchair strategist and a decoration, which is false, big and empty, and it has no practical significance.
in the technical field, this really cannot be ambiguous.
Looking at those large enterprises, there should be no problem with the management part, because large enterprises have a set of rules and regulations for managing employees.
for family workshops, it is a bit difficult to manage people. Mainly because the boss himself has many bad habits. Then, workers followed suit. Over time, form a habit.
It is said that if the system manages people and manages good people, things can be managed well. Without rules, there can be no Fiona Fang and no system. How can we manage people well?
there is another key issue in management, namely, stop loss and take profit.
When selling funds and stocks, you must set a minimum starting point and a maximum closing point, that is, stop loss and take profit, and avoid greed.
Just like the ball boy mentioned in the article, if you sell a fund and make a fixed investment, you will let it go without management, and eventually you will lose the opportunity to make a profit.
In fact, in the final analysis, many losses are caused by a little understanding of things. Therefore, in order to prevent such losses, we must learn what we should learn, learn what we should manage, and let everything develop in a good direction.