Before starting to invest, everyone do these 10 things well, less detour introduction There is a stable work plan to invest in the money before starting to invest, buy good life insurance to recognize their own risk tolerance First understand the function and significance of various funds Set a goal Do not add leverage To understand the basic financial knowledge Independent decision-making, do not hearsay combination configuration, eggs do not end in a basket

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<h1 class="pgc-h-arrow-right" data-track="15" > introduction</h1>

Many partners backstage asked me to tell me how I started my investment journey. In fact, when I first started investing, I also suffered a lot of losses and paid a lot of tuition.

Investment is indeed a relatively complex thing, only reading the knowledge in the book is not enough, but through the precipitation of time and practice, you can get a good effect. I've summarized what people should do in the beginning to help you get started faster and find your form.

<h1 class="pgc-h-arrow-right" data-track="15" > have a stable job</h1>

Your job doesn't have to earn a lot, as long as it's stable, it's not that investing is just a thing that's exclusive to the rich, as long as you have a stable cash flow every month, you can start doing it. There is no need for the type of work, and ordinary people do not need to keep an eye on the market, which is not a mandatory option.

<h1 class="pgc-h-arrow-right" data-track="15" > plan the money that can be invested</h1>

Everyone should eat and drink every day, as long as they don't consume excessively, there will be some surplus every month, right, I call the surplus net worth. Everyone takes out 30% of the net assets, the investment fund is relatively stable, it will not affect the rhythm of daily life, the money can also snowball in the capital market all the time, do not rush to withdraw it, and can always implement our investment-based decisions.

<h1 class="pgc-h-arrow-right" data-track="15" > buy life insurance before starting to invest</h1>

Now basically social security has been popularized, but the amount of social security is completely insufficient when encountering serious diseases. No matter how much your assets are, if people fall, how many zeros there are behind them doesn't make any sense.

So a medical insurance + serious illness insurance + accident insurance basic protection package, I really recommend that everyone have, this is the foundation, everyone must pay attention to. Insurance is such a special financial instrument that you can't buy it when you think about it.

<h1 class="pgc-h-arrow-right" data-track="15" > recognize their risk tolerance</h1>

When allocating funds, everyone will do a risk assessment questionnaire, this questionnaire is very scientific, although the questions in it are a little weak, but after you answer carefully, the conclusion that comes out is that the level you can bear will not deviate. So configure the product that suits your risk tolerance, don't be greedy and skip the level, so that you will basically lose money.

<h1 class="pgc-h-arrow-right" data-track="15" > first understand the function and significance of various funds</h1>

Don't say that you know everything, but you should at least know what is a monetary fund, what is a bond fund, a hybrid fund, and an equity fund. Learn about the basic logic of their operation and the various types of risks they face. After you know it, you can know the running logic of the target you choose and do things with high certainty.

Many people are taking one step at a time, and I think it is still necessary to set a goal, just like when we took the exam when we were young, the goal is 80 points, and we strive to move towards this goal. I customized my 15% grade in a year, then I will strictly enforce my investment discipline. In the end, if we gain 10%, I will also be more satisfied, don't be greedy, every point we get is within our cognitive range.

<h1 class="pgc-h-arrow-right" data-track="15" > do not add leverage</h1>

You must not borrow money to invest, the growth of the fund must be a long process, in the short term can not get any good results. But if you borrow money, you have to pay the interest on time, the risk is very high, it is an overdraft of your own leek behavior, everyone must keep in mind.

<h1 class="pgc-h-arrow-right" data-track="15" > basic financial knowledge</h1>

Growth is the moat of the enterprise, we should learn the basic logic of the three financial statements (balance sheet, income statement and cash flow statement), can simply understand the performance, profits and cash flow of the enterprise, you can slowly understand the meaning of valuation, will be of great help to the choice of future track.

<h1 class="pgc-h-arrow-right" data-track="15" > independent decision-making, not hearsay</h1>

After researching different funds, boldly prepare to invest. Don't listen to what others say about the fund to buy, you must have your own judgment, if you only rely on copying homework, it can not last. Everyone's asset volume is different, and it is necessary to have their own analysis and thinking, and then practice, which is very effective.

<h1 class="pgc-h-arrow-right" data-track="15" > combination configuration, eggs are not in one basket</h1>

Novice fund, in about 10 is good, 3 active funds attack, 2 quantitative hedge fund auxiliary, 2 optimistic industry base long-term take, 2 debt-based portfolio base, 1 index or industry ETF fund waiting for the opportunity, after the allocation, do not have to stare often, monthly inspection, the problem is not big on the release, thin water long flow.

These ten things are my experience sharing, if you can really do it, you will take a lot less detours than me. What else do you have to share, leave a message below, let's discuss it together.

Investing is an art, making friends with time, and I'm Jeff/Jeff@Jeff snowball. Original is not easy, thank you for reading, if you like my sharing, just follow me. Every one of your likes, interactions, favorites, and retweets, I will reply carefully.

Happy voting!

2021.5.8 Beijing

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