Let go of that heart that makes quick money

Shenzhen Business Daily financial commentator Wang Yajie

Market shocks, looking at the hot spots are quite many, there are many opportunities, in fact, it is not easy to make money. Maybe more people are turning to funds. Admit that you can't do it, find a professional to invest on your behalf, and you can't say that the road number is wrong. As for whether you can make money or make more money because of this, there are two more to say.

An investor survey released in March reported that the number of so-called basic citizens investing in equity funds has reached 600 million. According to this, some people judge that Chinese investment has entered the era of funds. However, the earnings situation of the Base people does not seem to be very optimistic. A head fund company's blue-chip select hybrid products are said to have lost a lot of money — more than 71 percent of holders lost more than 5 percent, despite a 120 percent jump in net worth in a year. Coincidentally. Another fund company revealed that the average yield of its own fund in 2019 was 45.76%, but the yield of customers was far lower than this, 70% of customers yielded less than 10%, and 11% were in a state of loss.

Fund products make money, but investors who buy fund products make less money or even lose money, the main reason is of course that the holding period is too short, the number of operations is too frequent, a bit of "taking the fund as a stock speculation" meaning. To put it bluntly, in fact, I want to make quick money, and as a result, stealing chickens does not become erosion of rice, and giving up children without wolves. Further, the holding period is too short or related to the age structure of the basic people. As early as 2019, the proportion of basic people under the age of 30 was 28%, and the proportion of basic people aged 30 to 45 was 40%, and the total of the two was nearly 70%.

What is the relationship between the age of the basic people and the income of the basic people? A recently released related report said that the average yield of investors under the age of 30 is less than 3%, and the number of profiteers accounts for less than 50%; the average yield of investors over 60 years old is 19.05%, and the proportion of profiteers is 60.42%. Age itself is not a problem, the problem lies in some of the directions implied by age. For example, many young people think of making big money and making quick money, so it is difficult to tolerate the short-term drawdown of the net value of fund products. Middle-aged and elderly people are obviously more experienced and more patient. Moreover, whether it is the property market or the stock market, it has been clearly shown that the era of huge profits is far away.

Other circumstances, other affections. As far as the current market is concerned, no matter what the investment target is, it is particularly important to hold on to the heart that makes quick money.

【Source: Shenzhen Business Daily】

Copyright belongs to the original author, a tribute to the original