"Investment

It's also important to look at the right eye.

Recently, Aunt Huang, a member of Jifeng Reed club, summed up the experience of her financial management through the past two failed investment experiences.

Aunt Cheng, who lives in Xuhui District, Shanghai, although she usually likes to watch the stock market commentary on the financial channel, can still take a serious look at it for a long time. But since she failed in 2013, she never wanted to try the stock again.

Cheng Auntie is a senior member of the Reed club. She often tells you about her financial affairs.

Aunt Cheng has a house and a car. He is currently a HR director in a foreign trade company in Shanghai, and his income is relatively stable.

My son returned to the United States last year and has already got a job. His monthly income is also good.

The husband's income is also good, overall, the family economy is basically not worried.

In the course of aunt Cheng's life, most of the money was in the bank, the house was bought, the car was bought, the son went to university, and the family still saved a deposit. Aunt Cheng and her husband were satisfied.

But often heard that "prices rise, money can not run CPI, the bank will depreciate, money is the best way to solve the problem", so I began to think about how to invest money to generate money, can maintain value added.

At the beginning, aunt Cheng talked with friends, and heard that the fund was not so complicated as the stock operation, so it was good to wait, and the income was good. So she decided to choose a fund product and invested 50 thousand yuan.

At first, the earnings of the fund products reached the expected revenue, and sometimes even exceeded, but Cheng aunt had never been aggressive.

However, after the stock market plummeted, the product income of the fund was also affected. Not only did the previous earnings go back, but also the cost was 20 thousand yuan.

Aunt Cheng is in a hurry to redeem all investment funds, and no longer want to invest in the fund.

Later, aunt Cheng, under the encouragement of her friends, chose to invest.

。

Just started investing 50 thousand yuan, soon earned 10 thousand yuan.

But aunt Cheng has no experience in stock investment. He has always listened to his friends' investment advice and is very passive. Moreover, he has to stare at the stock market every day for an hour. His eyes are uncomfortable and his head is too big.

Then they relaxed, who knew that the stock fell sharply, and they did not come out in time, losing 30 thousand.

At present, like aunt Cheng,

Strong, there are idle hands but find investment channels, Reed found a few.

They are afraid of risky investments such as stocks and futures, but they want to make more profits and conflict with each other.

But Reed, a financial planner, reminded the group that prudence in financial management should not be desirable if they saw others making money and blindly following the trend.

Investment also depends on the right eye. It is very important for investors to combine financial market conditions, combine their own financial experience and risk tolerance to choose suitable financial management methods, such as funds and varieties, which are more suitable for the allocation of income funds, such as Cheng's aunt, or dispersed risk type mixed funds, such as the stable profits fund, annual income 8%-14.4%, and the current balance treasure Internet baby products, with an annual yield of about 4%.

In short, any investor who chooses his own way of managing money is always the best way to manage his own finances.