1. For example, they initially invested in R 1 and R2 bank wealth management products, and later began to invest in R3 bank wealth management products, which is an advanced financial management method. Investment and financial management need a little progress. You can't invest in financial products that require high skills and professional knowledge from the beginning. This will be very risky, and it is easy to lose money or even lose everything. If you know nothing about financial management, it is the best choice to choose simple and easy-to-use financial products for investment. Take stocks as an example. Of course, I didn't understand stocks at first, and I didn't know how to look at the market and trends. In this case, if you invest rashly, you may suffer losses due to improper operation. Therefore, it is best to know the knowledge of stocks before investing, which has a certain theoretical basis.
2. Every investor needs to make a risk assessment when he starts to manage money. The evaluation dimensions include: tolerance to fluctuations, whether the investment target is willing to take greater risks, whether it pursues a substantial increase in assets, or whether the income is more inclined to a safe investment with capital preservation. And whether there is investment and financial management experience, where the monthly money is mainly spent, what is the main source of family income, how much money can be used for investment and financial management, and whether the work is stable. After a systematic multi-dimensional evaluation, you finally decide what type of investor you are. Steady financial management generally refers to investors with less financial experience or long-term low-risk investment. Although these investors also want to seek the highest rate of return, they know that products with high rate of return will have higher risk coefficient, and investors themselves are risk-averse and worried about the loss of principal.
Therefore, we would rather choose a stable investment to obtain a stable return, rather than the uncertainty brought about by these big fluctuations. Compared with stable investors, senior financial investors have certain investment experience, or always prefer medium and high-risk investments. In my opinion, I remember that when I first came into contact with financial management, the risk assessment was balanced. Later, with the in-depth understanding of financial investment, I reassessed the risks, because I prefer medium and high-risk financial investments, such as funds, gold and stocks. Therefore, after risk re-testing, I am now a growth investor.