During the year when I was working as a part-time self-media, I received all kinds of private messages and consultations, asking about everything. Some people asked me privately what issues should be paid attention to when buying insurance, and some asked me what kind of financial products to invest in.

I can get stable income, and some people even ask me for stocks. If I make money, I will share it!

There are all kinds of questions. I sorted through these strange questions all afternoon, and I selected the most emotional questions to give you detailed answers. I hope it will be helpful to you!

The highest principle of investment is to preserve value first and increase value later. When you value other people's 11%-20% investment income, the banker is often focusing on your principal.

This sentence could not be more appropriate to describe the P2P industry in the past five years.

Data source: Online Loan Home As an investment novice, after being cut off by the dealers one after another, he finally woke up and was unwilling to be a little leek, so he began to pay attention to the principal.

People are often like this. They don't learn from other people's lessons, but they never look back unless they hit their head and bleed.

I have often popularized common sense about financial management before, and I often remind everyone that the most important principle of investment and financial management is value preservation and appreciation.

Preservation of value means that the principal must be safe and outperform CPI as much as possible. Appreciation of value means that the income should be as high as possible under the premise of maintaining value!

No matter what financial products you invest in, you must follow the above principles!

However, our domestic investors do exactly the opposite. They only focus on investment returns and completely ignore the safety of principal.

Facts have proved that the price of blindly pursuing high returns is very painful!

I have never been able to figure this out clearly before.

Until recently, from the questions people asked me, I slowly found the answer, then why don't you buy products with safe principal and low returns, but instead buy products with high returns and possible loss of principal!

There is also a truth that everyone has not figured out yet!

Just like P2P, digital currency, foreign exchange, equity investment and other financial management without supervision, it is possible to lose all the principal. It is much better not to manage finance than to manage it!

If you don’t do it, your risk will be at best inflation (inflation in our country is actually relatively low). But if you do it, not only will you not make much profit, but you will invest your principal, lose your wife and lose your army.

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From a common sense point of view, this should be the behavior of a few people, but in our country, most people do it. From this point of view, most people are not only irrational, but also make the most basic common sense mistakes!

Financial management novices and investment experts have a better understanding of investment returns than I had before. Let’s take a look at the question asked by many people: Q1: “With about 1 million in cash, is there any way to stabilize the financial return rate above 12%?

Recommended? "If you are professional in financial management, you will know that in the current domestic financial management market, the stable returns are bank financial management and monetary funds, etc., and the return rate of these products is difficult to reach 12%.

In other words, as long as the return rate is more than 12%, the investment target it chooses will definitely not be a fixed income product. In other words, as long as the return rate is 12%, the decision will not be stable!

Q2: "Now that there are stable financial management methods with annual interest rates of 20%-25%, should I buy a house or continue financial management? Why?" Regarding this question, I don't know what everyone thinks, but the first thing I saw was,

This friend at least does not have a clear understanding of investment income, that is, how much investment income is considered high. He has no idea at all!

Today I will show you what the average returns of investment gurus recognized around the world are!

Buffett's average annualized return is 20.3%, Benjamin Graham's is 20%, and David Swenson's is 16%.

You said above that your income is 20%-25%, and it is stable. To be honest, even the masters above dare not say that their investment is stable, but it may be good in a few years and bad in a few years.

, and finally achieved the above results with average!

After I told him about the income of the investment master, he was surprised and said, is the income so low?

Yes, it’s not false at all. The results of Buffett and Svensson, with such average results over the past few decades, have made them the greatest investors in the world!

Q3: "With 200,000 yuan in cash in hand, how can I make a capital-guaranteed investment and earn a stable income of about 4,000 yuan a month?" If according to normal calculations, with a principal of 200,000 yuan and a monthly income of 4,000 yuan, the annualized income is basically 24%.

There are basically no fixed income products with such income, let alone stability!

Seeing this, you may have figured out that the main reason why ordinary investors, especially our Chinese investors, are so fond of P2P financial management is that they think that the rate of return is really not high.