By the way, starting an individual business or opening an individual shop is also an investment, but this kind of investment is extremely risky, and the probability of failure is above 90%. Starting a business is more about investing in individuals and trying personal development direction. As far as asset investment is concerned, it is a narrow escape.
Investment should be "life+",and life is fundamental. "Investing in life+"means making the future more hopeful, investing the existing assets in the future, and giving the future a better expectation of return on assets. However, due to the cognitive limitations of risk tolerance, asset investment ratio, investment knowledge, etc., investment is often a very torturous thing, and emotions fluctuate with the market, and even often seriously affect life. ...
How to solve the anxiety caused by investment? Since I participated in the blockchain investment, I have experienced many huge fluctuations and pains. The following is my superficial understanding.
1, stick to the two iron laws of investment
Investment must first follow two iron laws.
Iron Law 1: You can afford to invest with spare money, even if it is zero.
In general, this seems easy to do, even without feeling. That's because: blind self-confidence, and the knife has not cut the meat!
When you first started investing, you were quite confident. You think you can make money, otherwise you wouldn't take the risk. But when you expect the market well and think that you will make a lot of money, you will soon forget this iron law, then abandon it, invest more assets, and even borrow money to invest.
The market is always unstable, and often even very unstable. When there is a surplus, nothing is a problem. Once there is a loss, it will only hurt if the knife really cuts the meat. Because of the aversion to loss, the mentality will fluctuate immediately. Even if you invest spare money, you will feel lost and affect your life. If the proportion of borrowing money or investing in assets is too heavy (for example, more than 70%), there is no way to treat it calmly, and zero is acceptable.
Therefore, don't overestimate your tolerance, let alone your investment ability! Otherwise, once you lose money, it will inevitably affect your life.
Iron Law 2: Make friends with time and make long-term value investment.
Investment is always a long-term thing. 1-3 years is short-term and 5- 10 years is medium-term. If you are optimistic about an investment project, you must give it time to "grow" before it will bear fruit and eventually gain something.
Most people who have just stepped into the investment field are eager to see the "results" immediately. This is not investment, but speculation, just like going to a gambling table, you can see the outcome immediately and feel ecstasy or loss.
During the time I participated in the investment, I probably gradually understood a truth: most people, including myself, were gamblers with speculative mentality from the beginning. This gambler's mentality, which regards investment as a bet, is eager to make a profit, looking at the market every day and inquiring about all kinds of news, for fear of missing hundreds of millions. ...
Those who frequently operate short-term in the stock market actually regard stock trading as gambling, trying to profit from every small band, and the result is professional institutions.
Whether the investment is successful or not should be a combination of vision (value judgment)+time+luck. Analysis and judgment before investment is very important, which is the premise of final harvest; Time is a process of waiting for value growth; Luck is an unpredictable or uncontrollable result.
If you don't have a clear understanding of the value of the project you invest in, and you can't do it for a long time; Then in the following days, every day, your heart will fluctuate with the fluctuation of the market, occasionally happy, occasionally lost, or happy or sad, and your mood is almost dominated by the market.
Stop when you are ready. Your endurance is limited.
In the face of losses, at first we followed the iron law of "zero acceptability", that is, we gave ourselves a shot in advance in our mentality. If you don't take this vaccination, you can't bear the pain of losing money, that is, you will withdraw from the investment in advance. Of course, if you see clearly that there is something wrong with the product you invested in, it may be zero, so even if you cut the meat, you should quit in time to minimize the loss.
There is also a common situation, even if it is profitable, it often makes people anxious, especially when the market falls back and the floating profit decreases.
Floating surplus, why does it make people anxious? Because I don't know when the peak is.
In this process, there will probably be four situations: the first is to sell prematurely, the second is to sell at the right time, the third is to miss the best selling opportunity because of hesitation, and the fourth is to be unmoved and resolutely not to sell.
Ironically, at least 90% people are the third kind! In the process of market rising, anxiety in joy, blindness in anxiety and greed of human nature pushed the market higher and higher, and finally the bubble burst. ...
Judging from the results, the results of the fourth person and the third person are the same, and they have not been sold and missed the best delivery opportunity. But the difference is that the fourth kind of people are voluntary, wavering in the belief of "long-term value investment" and anxious. ...
Here it is necessary to talk about the second iron law of investment, "Make friends with time and make long-term value investment". Since it is a long-term value investment, in the face of a good market and a big bull market, should we not operate, or should we do the fourth kind of "unmoved and resolutely not sell"?
It can be said that many people adhere to the belief of "long-term value investment" in the rising market, and are completely lost and depressed after the market crash. We thought we could bear the pressure. In fact, in the face of the market decline, most people can't bear the pressure of missing the best opportunity and are anxious to affect their lives.
The main problem here is: because it is "long-term", it does not know how to be flexible and will not be properly adjusted according to its own situation.
For professional investors, it is understandable that they are determined to invest for a long time without being moved by market fluctuations. However, as ordinary people, they can be flexible in the face of unexpected interests. The specific method is: achieve the expected income and ship in batches. During the whole uplink process, the shipment volume is controlled at 20%.
This strategy can realize income and recover the input cost; Second, keep most of the assets that are still involved; Third, once the market changes suddenly, part of the proceeds will be saved and there will be funds for bargain hunting.
Therefore, in the rising market, don't stick to "long-term investment". If you want to collect it, you must realize the profit in time. When the market changes suddenly, your heart can bear this anxiety without affecting your life.
3. The ability to make money in different places is more important.
There is a lot of luck in investment. Sometimes even if you do a lot of right things, luck may not be on your side. If all financial problems are put on investment, it is difficult to accept the "zero" result in the investment process and it is difficult to achieve "long-term".
In reality, the most common thing is that many people pin their hopes for wealth on investment, and their expectations are too high, especially in the field of blockchain investment. Excessive expectations naturally make people fall into a state of "superstition" and madness, thus forgetting the principle of investment.
Even in a new market full of technological changes and bonuses, most people can't make money, and in turn, they often harvest 90% people. Of course, people who can abide by the iron law of investment can basically avoid being harvested, and it is difficult to make money if they are unlucky. But what most people can't do is the difference between speculation and investment.
Another big feeling that investment gives me is that most people are not suitable for investment (including themselves at this stage), do not have the ability to invest (financial resources and intelligence), and their hearts are not enough to cope with the anxiety caused by investment.
A qualified investor, on the one hand, must have a good ability to make money outside the market, and on the other hand, he can calmly face the profits and losses brought by investment in his mind. When you don't have this ability, it doesn't mean that you can't invest, but that you should invest the money you can really afford in the place where your heart is zero, at least to make yourself live a good life at present.
Don't rely on investment to realize wealth freedom quickly, so your mentality will be unbalanced. Only if you have enough ability to make money off-site, will you be indifferent to the profit and loss of investment. Profit is a reward for yourself, and losses can be tolerated.
4. The madness and rationality of blockchain investment
There have been many investment bubbles in emerging industries in history, such as real estate investment, stock investment, internet investment, etc ... Whenever people think that they have found the road to wealth freedom, many people participate in it crazily, but in the end they get nothing. ...
This blockchain investment is more crazy and irrational. Does it mean that a huge new bubble is forming? Interestingly, the blockchain bubble has burst several times, but each time it bounced back more strongly and formed a bigger bubble ... The bubble is not worthless, not equal to Ponzi scheme, but refers to the influx of too many irrational investors, which overestimated the value of assets in a short time.
The value of blockchain lies in solving the credit problem and greatly reducing the transfer cost between assets, even to zero. Although the blockchain technology has not been widely used at present, and the actual social value brought by it is not high, it can be predicted that it will have great social value in the future.
As far as investment is concerned, no matter how valuable the blockchain technology is, the ultimate beneficiaries are still very few people, most of whom are harvested leeks! From the perspective of human nature, the vast majority of people will always chase after the high and kill the fall, irrational investment, and finally harvest the ingredients. This blockchain value has nothing to do with this. The formation of bubbles is human greed.
Blockchain investment, facing much bigger variables than traditional investment, often fluctuates greatly, which greatly tests people's hearts. What is even more frightening is that due to the lack of supervision of blockchain investment, a large number of unqualified investors poured in, which greatly aggravated the formation of the bubble.
Only by rationally seeing the huge risks, adhering to the iron law of investment, collecting as soon as possible and maintaining the ability to make money off the market can we avoid being harvested in this bubble and even get super high returns.
Cognition is the foundation of all success! Shan Junqiang's digital signature: {"sig": "990A99E1379B6DD4CE1ED8967609AED69A4402ACD9AD1F25EB1F28C4F2555. 3 bbf 53208 D2 be 76d 29 e 9e 32 be 4 af B4 da AE 62 bcfe 06 1 "，" msg hash ":" 7 d6f 455 DDB 98 d5b 723 dadb 8394360 b 16fc 980d 18 156 EAC 388 ebacda 5 DD 405200 " }