Lack of stock fund investment knowledge
According to the Survey and Analysis Report on Consumers' Financial Literacy (20 17) released by the central bank in mid-July, when asked what financial knowledge consumers think they lack most, the top five are stock fund investment, housing loan, bank wealth management products, financial dispute resolution and bond investment knowledge, and the proportion of consumers who choose the above financial knowledge is 40.02%, 28.06% and 26.74% respectively.
Although stocks and funds are the two favorite investment methods of many investors, obviously, there are not a few investors who lack this knowledge.
It should be noted that the above report does not clearly define the age, income and overall assets of the respondents, and the overall situation is relatively broad. What happens when we limit the respondents, such as the new middle class?
The new middle class is anxious about the ability of investment and financial management.
In terms of income, the annual income of the new middle class is definitely higher than that of many people. At the same time, the new middle class also has a good educational background and pursues a quality and attitude life. Will these people have more professional knowledge and stronger investment ability than other investors?
According to Wu Xiaobo Channel 20 17 New Middle School Report, China New Middle School's self-rating on investment and financial management is only 5.3 points (total score 10), which is unqualified. Among them, 95.6% people think that the most lacking part of their financial management knowledge is overall planning, information interpretation, principle knowledge and trading methods. They are also anxious that their investment and financial management ability is far from enough.
In other words, the lack of investment and financial management knowledge and personal financial management ability is a common problem, and it will not be qualitatively changed directly because of the increase of a person's income and the improvement of his education level. So in this case, how can we do a good job in investment and financial management?
The financial planner of Bee Investment Network said that both theoretical knowledge and practice are indispensable to improve the ability of investment and financial management. Theoretical knowledge is easy to understand and can be obtained by reading books and watching videos. To help you make plans and understand the principles and trading methods of various investment products. However, it is not enough to have theoretical knowledge, it is just an armchair strategist. Only practice can accumulate real experience.
It is suggested that investors can rationally allocate and invest their own funds according to their own financial situation, risk tolerance and financial management objectives. If you are afraid of dividing risks and losing money, you can also try a little money first, and then make a more comprehensive plan after you have experience.
However, no matter how you invest, you should pay attention to diversifying risks. Don't put all your eggs in one basket. While investing in high-risk products, we should properly allocate some stable fixed-income products, such as bee plan and earning every day, so as to balance risks and benefits.
In short, if you are anxious about financial management because of lack of professional knowledge and investment ability, start studying as soon as possible and try to get rid of the "bondage" as soon as possible.