Some young people are either devastated by the fund's "3400 minus 200" discount model, or experience the cruel identity change of selling houses for rent at a loss, thinking of the ancient adage of "buying gold in troubled times", picking up their wallets, running into the gold market, trying to turn the tide and ride the wind and waves, but they were hit hard by the "China Gold" franchise store that ran away.
Text丨Financial Gossip Female Special Author: Oster Wotouski
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Some bloggers said: A person's growth stage can be known by his attitude towards gold.
Once you ignored it, diamonds, white gold, pearls, jade...... What is popular to buy what.
And now, with the price of gold soaring all the way and breaking through the 700 mark, you can't climb high.
Some young people are either devastated by the fund's "3400 minus 200" discount model, or experience the cruel identity change of selling houses for rent at a loss, thinking of the ancient adage of "buying gold in troubled times", picking up their wallets, running into the gold market, trying to turn the tide and ride the wind and waves, but they were hit hard by the "China Gold" franchise store that ran away.
How bumpy is the road for young people to invest, and what is their mindset in the face of ups and downs in the investment market?
"I put my eggs in different baskets and ended up with the table overturning"
@橘子, '95, Product Manager
Recently, I saw the news that someone bought Jin Doudou every week, and I seemed to see the shadow of my regular investment fund back then, in fact, the essence of buying Jin Doudou and regular investment funds is the same, both are regular investments, but Jin Doudou can be seen and touched, and the fund is just a number.
I started to contact the fund in 2019, at that time I chose one at Alipay at random, bought a few hundred yuan, and later when I got together with friends and chatted, I found that everyone had the experience of buying funds, and I also shared a few mixed funds for consumption, I spent a huge amount of money at that time to buy 2000, and within a few days, it rose by more than 100, which aroused my interest in the fund.
I set up a regular investment of 50 yuan a week and left it behind. By March 2020, when I found out that it was soaring, I started buying it all the way. With the funds repeatedly on the hot search, I thought "eggs can't be put in one basket", so according to the fund rankings, I bought one or two of the previously ranked funds in each track, including but not limited to liquor, consumption, military industry, and medical care, and a total of more than 30 bases were invested, ranging from 100-300 per week each, with less than 50,000 yuan of investment, and by the end of the year, I earned more than 10,000 yuan, with a yield of 28%.
The turning point began during the Spring Festival in 2021, when the fund dived after the holiday, and my brain also entered the water, thinking that the fall was a good thing, indicating that it could be bought at a low cost, and the weekly fixed investment was adjusted to 300-500, and even in order to remedy, the more it fell, the more it fell, the more it bought.
As a result, how beautiful it was at that time, how embarrassed it is now, in order to diversify the risk of the more than 30 bases, as the A shares fell below 2700, the whole table was overturned, and those medical bases were even more deeply entangled in it and could not extricate themselves.
In 2022, I followed the financial blogger to lay out semiconductors in advance, making a small profit of 22%, but I lost my money because of new energy and photovoltaics.
Seeing that holding a position was a ray of light and making people panic, I began to look for other ways to invest.
The good news is that in the second half of last year, I threw out all the funds that were lost, all in gold, and now it has risen by 20%+, and the bad news is that 30% of them are fixed investment in gold beans.
Fate seems to be a reincarnation, the fixed investment has been trapped, and Jin Doudou has also run away, I plan to practice that sentence to the end this time: as long as I return to the capital, I will never touch the investment again.
"I lose 1000+ super wages every day, and I'm not in the mood to work"
@栗子 93 years, new media operation
This wave of gold buying fever, the excitement is someone else's, I have nothing, because the experience of buying the base has made me dare not touch any investment.
In just 3 years, I almost lost the money for a car.
At the beginning, I opened my account on time at half past three in the afternoon every day, and saw that I lost 4000+ every day, and the account was green all the way, and I was so panicked that I couldn't do it. Later, after many times, I had to choose to uninstall the software, out of sight and out of mind.
The only way to have fun in the midst of suffering is to look at the profit and loss bills posted by big Vs and friends from all walks of life, and sure enough, you will be happy when you see others lose money.
If you have money, you will increase your position, and if you don't have money, you will move bricks. Otherwise, what can we do? What we don't lose is just numbers, and what we lose is real money.
Sometimes I think about it, I missed several opportunities to turn over. In March 2018, I was optimistic that new energy would be a key project supported by the state, so I bought about 2,000, but after waiting for half a year, the drop was nearly 28%, and I threw it away. As a result, when the new energy boom in 2021 happened, I realized that I missed the increase of nearly 200%.
In fact, in April 2021, I wanted to buy a gold bracelet for my mother-in-law's 66th birthday, and at that time, I asked for a manual fee of only 470 yuan a gram, but I gave up because the old man was distressed about money. As a result, since May, the price of gold has soared, I wanted to buy several times but was afraid of the high, now look at it is already 770, even if it falls again, I dare not buy.
My husband said that I am not suitable for investment, because I am reluctant to sell if it is high, and I dare not buy it when it is low, some time ago when A shares were 2640 points, my husband said that I should buy some to disperse the pressure, I was a little hesitant at the time, I did not buy with him, and when I reacted, A shares have returned to 3000 points, my husband made a small profit, and I sighed at the income -30%.
In the past, everyone always said that you don't manage money, and money doesn't care about you, but after actually trying it, you know that you don't manage money, and money doesn't leave you.
"My money wasn't blown by a gale, but it looked like it was blown away by a gale"
@磊子 90 years of front-end development
As a person who has accurately stepped on every pit in stocks, funds, and real estate, I really have the right to speak.
I used to divide my spare money into two parts, one to pay off my mortgage and one to buy stocks.
As a veteran Tencent employee, I was always surrounded by the argument that "if I bought 100,000 Tencent shares in 2008, I can easily achieve financial freedom now", and under the influence of this, I have also held a heavy position in Tencent for several years.
Before 2021, the stock was indeed like a rocket, but before I was happy for a few days, a straight line decline made me cry without tears - the goose factory fell into a bird factory, and "I" fell away.
While there was still a floating profit, I converted some stocks into funds, thinking that maybe the management effect of professionals would be better, and it turned out that in addition to paying an extra management fee every year, the odds were similar to my own stock trading.
My biggest feeling is that funds and stocks, in fact, are the most kryptonite online games, losing money every year, investing every year, except for growing from tender leeks to old leeks, there is nothing to gain.
If there is anything worse than funds and stocks in recent years, it is to buy a house.
With the "graduation tide" of last year's wave of Internet giants, the increasingly bald hairline and the worsening body, I feel that instead of rolling up in Beijing, it is better to cash out and leave in time and go back to my hometown to accompany my parents.
But when I sold the house, I found out that the house I bought for 2 million yuan that year, plus decoration and interest, had a net cost of 2.35 million, and no one cared about it for a month.
The agent tactfully asked me to look at the prices of other people in the community, and found that the highest was only 1.9 million, not counting decoration, 100,000 less than my purchase price, and the price was still going down.
It's really funny, the reality really makes me feel that it is not easy to make money and it is difficult to save money - the money that the fund's stocks fell in the first half of the year, and the house fell in a week.
After chatting with the intermediary, I learned that during this time, there were many people who "sold the house at a price of 1 million", and I saw someone posting in the buying group, because they couldn't afford to repay the loan, so as to avoid having nothing left after the auction and still owed the bank, and some people chose to "give the house for nothing, and only need to pay off the next mortgage".
As for the hot gold now, I really don't have the funds and energy to do it, and I have thought about whether to buy second-hand gold, but think about it carefully, with my investment vision and ability, I still don't participate in these exciting games.
Acknowledging your cognitive boundaries is beneficial, and restraining your desire to invest will not necessarily make you rich, but it will definitely avoid many detours.
Invest like money, and make up for the seams of life
@可达鸭 96 New Media Operations
As an ordinary North Drift worker, the money I lost is equivalent to a year in vain.
I reflected that the main reason was that the investment knowledge reserve was not enough, and I specially spent 4000 Dayang News on the financial quotient improvement training camp of a certain big V, but the result was that the financial quotient was not improved, but the IQ was greatly improved - after all, the IQ tax cannot be paid in vain.
I found out that I was the "chicken" who was eaten by a chicken, first harvested a wave of tuition, after joining the training camp, and then bought some fund stocks recommended by them to achieve double kill, and finally saw that there was no hope of capital preservation, so I could only buy a wave of insurance to achieve the best state of risk hedging.
What's even more terrifying is that the house leak happened to rain overnight, not only the fund lost money, but also the income decreased.
With a sharp drop in income and an increase in spending, you can only passively experience consumption downgrade.
When I used to make money, I could buy three or four thousand clothes on Double 11, and I traveled abroad twice a year without ambiguity, but now, the shopping platform has shifted from Tmall Taobao to Pinduoduo, Taote and 1688.
In the past, I used to buy and buy if I didn't agree with Douyin, but now the most brushed is the "waste transformation" blogger, who uses the bottles and cans at home as the reason for environmental protection.
I thought that buying a fund investment would bring me extra income, but who would have thought that it would become the biggest expense.
Investment is risky, and you need to be cautious when entering the market, which is the truth that you can keep your money bag upside down.
Note: The views expressed in this article are the author's personal views and do not constitute investment advice.