High yield does not mean high yield.
The final income of investment products depends on two factors, the principal invested and the yield of products, which have great influence on the final income of products. However, in real life, people often only pay attention to the rate of return, but often ignore the impact of principal investment.
For example, someone subscribed for a fund product with 1 0,000 yuan. If the fund just keeps an annualized rate of return of 30%, after three years, the total value of the fund will be 2 197 yuan and the income will be 1 197 yuan. Calculated from the rate of return, everyone's investment rate of return on this fund has exceeded 100%, but the actual income is only 1 197 yuan. If calculated according to the annual inflation rate of 5%, the final income is only 950 yuan. After deducting the redemption fee, the final income is only about 900 yuan.
900 yuan's total income is a little small for many people, but in fact, investment products with an annualized rate of return of 30% are rare. Even Warren Buffett's annualized rate of return is only about 20%. This fact makes many people lose interest in financial management, but in fact, if people change the initial investment quota to 6,543,800 yuan, then the final income can reach more than 90,000 yuan after removing the impact of inflation.
Therefore, when investing in financial management, people should not only pay attention to the high rate of return, but also allocate the investment quota reasonably according to their own assets. Without sufficient investment quota as a guarantee, the high annualized rate of return can only be an illusory figure.
The purchase time determines the income level.
After understanding the impact of the rate of return and principal on the final income, you can start to allocate assets for financial investment. At this time, we should not only choose the investment fund that suits us, but also choose the right time to enter the market.
As we all know, the fund's income is related to the stock market, national policies and market environment in many aspects, and it is very normal for the fund to fluctuate. So when you buy a fund, the timing is very important. If people buy at the high point of the fund's net value, the subsequent upside will be limited, and if there is fluctuation, it will even cause the loss of principal.
There has always been a saying in the fund circle: people who buy funds at 3000 points in the market will start selling funds at 2700 points in the market. This is because the 3000-point stock market is recognized as a high point. If you happen to buy a fund at 3000, then when the market drops to 2700, people will mostly choose to cut their meat and leave. This sentence just illustrates the importance of the timing of buying funds, reminding everyone not to invest with a mentality and not to follow suit. Once you buy at a high point, whether you can keep the principal may become a big problem.
Because the investment fund has a long cycle, people can operate it for a long time through fixed investment, and continuously reduce the investment cost, thus reducing the investment risk. At the same time, holding funds for a long time can also enhance the ability to resist short-term fluctuations and lay a solid foundation for the final income.
Regarding fund investment, if we can recognize the above two problems, we can already surpass most ordinary people, but this does not mean that we can be invincible in the investment field. How to take profit, how to allocate investment and how to keep the last line of defense of wealth are still on the road of people's financial management. But it doesn't matter, now there is an opportunity for you to learn financial management systematically. Xiaobai financial training camp, zero-based financial management, 14 senior investment expert. Free collection within a limited time.
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