Although the Shanghai Composite Index is only an index of the Shanghai Stock Exchange, and does not represent the overall market situation, but people's habitual thinking and market commentary discourse system is still inseparable from the Shanghai Composite Index.
Starting this week, everyone who holds a stock account has a new identity: financial consumers. The market is always right, since it is a consumer, it is necessary to be a rational consumer. In the author's opinion, rational financial consumers should have the following characteristics:
First, rational consumption should be done within one's means. The consumption of this thing is different from person to person, and people of different ages, different values, and different living habits have different consumption habits. Today's financial consumption is like running into a big supermarket, all kinds of financial products, so that all kinds of consumers are dizzying, now approaching the financial supermarket to pay attention to the most basic problem, the purpose of investment is to make money, and consumption needs to spend money, you can only meet the most basic needs of yourself and family life, you can come to the financial market to consume. Therefore, do what you can, don't do anything beyond your ability, take spare money to financial consumption, Xiaobo Yiqing, even if you consume it all, it will not affect your family life.
Second, don't spend more than you can afford to overdraw. Whether it is the commodity market or the financial market, the marketing methods of merchants are varied, and they always amplify the leverage to tempt consumers to buy their products, the installment payment and mortgage loans in the commodity market allow you to be small and broad, the financial market used to have overdraft stock speculation, over-the-counter financing, umbrella trusts, equity pledges, and now it seems that margin financing and securities lending are not too enjoyable, and then a refinancing, refinancing securities, wins and losses are borne by financial consumers, and those who move bricks and put leverage are sure to make a profit, so, Rational financial consumers should not participate in what they don't understand, and grasp the money they have worked hard to save by themselves, and don't become house slaves, card slaves, keinu and stock slaves.
Third, rational financial consumers should improve their ability to identify counterfeit and shoddy financial products. The biggest problem encountered by a commodity consumer and financial consumer is that the market is flooded with a large number of counterfeit and shoddy goods, and the counterfeit and shoddy goods in the commodity market damage the health and capital of consumers, and buying fake and shoddy goods is as uncomfortable as eating flies, and the difficulty of distinguishing fake and shoddy products in the financial market is much greater than that of the commodity market, and the economic loss of being fooled is far greater than that of fake and shoddy goods. Like the recently delisted Zuojiang Technology, from making up stories to various institutions colluding to do the game, in just over four years, from a share price of 299 yuan to delisting, this kind of pseudo-high-tech financial products will make financial consumers miserable.
Fourth, financial consumers should find the most suitable products with stable income, ensure the safety of the principal, and lower their expectations in the current market. Consumption, pay attention to the money spent to be worth the money, the temptation of the market is many, consumers want to pursue the cost performance of goods and the most suitable products for themselves.
Consumers enter this financial market, in fact, most things, it has nothing to do with you, 3000 points can not be guarded, in fact, it has nothing to do with you, people are up and down every day, you are not involved in it, and it has nothing to do with you, every day the limit is closed, the boss wants to slip his feet, you are not planted, and it has nothing to do with you. As a consumer, you should weigh your account and save your financial strength, and you may be able to buy cheaper and better financial products in the financial market in the future.
Author: Ying Jianzhong
Editor: Xu Jinhua
Producer: Wang Junji
This article is the exclusive content of the WeChat public account of "CBN Broadcasting", please contact the background for authorization before reprinting. The individual stocks involved in this article are for reference only, and are not recommended for trading and are not responsible for personal income.