Some audience friends asked me to talk about stock speculation,
This is the kind of audience that especially wants to learn and apply! [Witty]
Okay, so today we're going to talk about this way of making money.
In fact, I am not interested in stock trading, and I do not recommend everyone to speculate in stocks.
What I am interested in and concerned about is financial management, which is a craft that everyone should study and master.
Some people say that this stock speculation and financial management are not the same thing?
The difference is big.
Usually, the purpose of stock speculation is to get rich, to get rich:
People often use stock speculation as a means of making money, hoping to use the proceeds of stock speculation to make themselves free of wealth, and then do not have to go to work.
And when I say financial management, in short, I mean "better money."
Its primary goal is to put our finances into a virtuous circle, and then to resist currency depreciation and appropriate appreciation.
The stock market, on the other hand, is just one of the channels for spending money.
Some people say that spending money is not simple? What does it mean to "spend better money"?
We often see in our lives,
Many people work hard every day and earn a lot of money, but their financial situation is always in a very fragile and difficult situation, and their days are tight and they can't make ends meet.
This is true when you earn a thousand a month, and it is still true when you earn ten thousand a month.
That's what went wrong with financial management.
What does it mean?
For example:
When we make three thousand, we can consider dividing the money into five portions, 600 each.
Eating one, renting two, studying and buying books, the other has to be saved, and the rest of the messy expenses must be saved as much as possible.
In this way, you can save more than seven thousand yuan a year.
Then, because we are investing in learning every month, and there are separate accommodations, the learning and rest environment has been greatly improved, so it is not surprising that over the course of the year, the salary and ability should be improved a lot.
In this way, we can further increase our investment in learning, and we can also invite capable people around us to eat, learn from them, and build good relationships. If you still have spare money, you can further invest in your hobbies and interests, and do what you loved before but did not have the conditions to do.
You see, this is the virtuous circle.
Money is invested on the blade of the knife to make yourself more capable, so you can earn more money and you can make yourself more capable.
And what is a vicious circle?
For example, I still earn three thousand a month, I think life is boring, and I want to be vain, so I look for a family to pay a down payment to buy a car, and pay off 1500 car loans every month.
So there is no money to rent a house, only accommodation, which greatly limits the space for study and rest. And there is not much money to invest in learning and interest, and there is no money to save for a year.
In this way, their financial situation will immediately fall into a bad situation, and they may have to stand still for many years, and there is no hope of improvement in income and life, and the harvest is only a car.
And the car, as a means of transportation, can be temporarily used taxi software, a dozen at a time, dozens of pieces to get it done.
Obviously, unless the job requires running around every day, the return on the investment in the car is extremely low.
This is called "not spending money".
Making money is a skill, you can spend money, it is a craft, and it is a test of comprehensive ability. Buying when you shouldn't buy it, and taking a loan when you shouldn't, there will be problems.
Well, if we establish such a positive cycle and our careers flourish, then, after a while, we may have some surplus on hand.
However, if a considerable amount of spare money is deposited in the bank, the annual interest rate is only about three percent, which may be constantly diluted by inflation, which is not cost-effective.
At this time, it is logical to consider other financial means.
So, when are stock markets and funds the best choice?
Of course not.
If you've recently wanted to buy a home and house prices are rising, consider giving priority to buying a home.
Because real estate can be used both to live in and a financial asset. Buying a house not only solves the current accommodation problem, but also can be sold in the future to obtain a considerable financial return.
However, if house prices rise slowly, or even fall, and we are not in a hurry to use the house, we should give priority to other financial channels.
In fact, the slow rise in house prices is equivalent to falling. Because the loan has interest, and the down payment is also a considerable cost.
Well, if we have both spare money and are not in a hurry to buy a house, and the property market is also very cold, then we can take out a part of the spare money, buy some funds or stocks, increase the value, of course, it is best to make a little money.
At this point, stocks or funds are considered.
For example, a chicken I recently liquidated:
Since June, it has been optimistic, gradually increasing its position, holding a fund of 50,000 yuan, and recently soaring, leaving the market at a high level.
Four-month yield of 7700, yield of 15%.
Not very high, but in terms of financial management, it is enough.
Some people say that this income is also too low, it is better to add more warehouses, give a fight, and the bicycle becomes a motorcycle.
You see, why don't I recommend everyone to speculate in stocks?
Because stock trading is not only a matter of luck, but also a test of people's psychology, as well as the ability to collect and process information, it is a technical job that "needs to be learned and exercised to master".
Most of those who expect to get rich through stock speculation will eventually leave the market in a scolding grin.
Today is to earn points, but the day after tomorrow? They all spit it out, and the coffin lid couldn't afford it.
Therefore, we must let go of the unrealistic illusion of getting rich and getting rich, and look at the stock market with a more peaceful mindset.
Okay, so here's the next question.
With so many stocks and funds, how do I know which one will go up?
Let me briefly summarize it, for reference only:
First of all, the rise and fall are divided into short-term and long-term.
In the short term, the rise and fall is largely the embodiment of the "people's heart".
No matter how bad a company is, as long as the market is hot, capital is hot, and people recognize it, then it may skyrocket.
The so-called "short-term look at market sentiment, long-term look at policy and growth."
Therefore, do not use reason to deduce short-term ups and downs:
"Oh, because this company is doing well, it's going to go up lately."
This is not true.
Some visible and invisible factors, the reasons that can be said and cannot be said, will affect the short-term rise and fall.
Then some people said, well, since the stock market is the embodiment of people's hearts in the short term, then I see who is rising, I will hurry to buy, this is always OK, right?
This is called chasing.
A lot of people speculate in stocks like this,
Buy as soon as it rises, fall as soon as it buys, cut it when it falls, and lose money when it falls.
That's what I just said.
Not enough.
What ability is not enough?
Psychological endurance is not enough.
Stock speculation is a test of personal comprehensive ability,
Can't resist temptation, can't bear the pressure, really can't do it.
Why do you fall as soon as you buy it?
Because, the stock market has "inertia". When you find that it is soaring, the energy that pushes it has already been injected almost enough, that is, the "end of the crossbow".
If you enter again, you may become a pick-up man, and finally stand guard in the mountains drinking soup.
Therefore, it is necessary to be very cautious about chasing the rise.
Then some people say, if it rises, you can't buy it, can you buy it?
Right
Buy those you think can go up, but not up now, stay steady, even if it's falling.
We should focus on "long-term trends" in our financial management.
Find a time to hold low, and then just wait.
Of course, eggs should not be placed in one basket, but to spread the risk.
The most important thing is actually how to judge which will rise in the future?
This requires a comprehensive source of information, a wealth of knowledge reserves and experience in stock trading.
If you find that what you think should rise has fallen, and everything that should fall has gone up, then you need to reflect on whether there is something wrong with your information source, whether the world you know is different from the real world.
Otherwise, first play the simulated stock speculation, find out where the problem is, the money, the first deposit bank is also good.
Financial management is not a means of getting rich, but a tool of progress.