This is a story about investment, which can help you understand how hedging products such as stocks, bonds, real estate and commodities can add value to your savings and enable you to achieve a financial breakthrough from zero to 1.
The story between Socrates' cat and his bank adviser, the furious cat, is exactly the story between a wealth manager and a senior wealth manager, so we don't have to feel a little ashamed of the blindness in the wealth management film. Let's stand in Socrates' position and ask 100,000 reasons about financial management. This really belongs to the production of conscience and is worth reading by those who don't bend over for trivial financial management knowledge. At the same time, Ben Xiaobai also called for the exquisite design and typesetting of books. This paper, this design is so beautiful, it won't be boring if you look at it 100 million times! I buy karma, read it!
Next, let's briefly talk about the feelings after reading.
However, investment is bound to have risks, and how to avoid risks is what we should learn most. Before that, the angry cat full of pigs taught us why we should manage our money first, because there is a mysterious force devouring our cash. What is this? Shh, this is inflation. We can see that it used to cost fifty cents to buy a popsicle, but now it may cost two dollars. Pure speculation. Please forgive me if I have offended you. After all, I haven't eaten for a long time The popsicle hasn't changed, and neither has the money. Why is it expensive? Alas! Money is worthless, and this phenomenon is inflation. Even if you hold Qian Qian firmly in your wallet, you still can't protect the weak and helpless Qian Qian from crying. Therefore, we should manage our finances to make Qian Qian stronger day by day, and we can't wait for death. If you interrupt 10 second, the country will not let inflation be ignored. The state will adjust this phenomenon by controlling interest rates. Inflation will make ordinary people devote themselves to repaying loans to reduce inflation by raising interest rates, while deflation is just the opposite, stimulating people to borrow money and spend by lowering interest rates. But the country is not completely controllable to the market, just doing its best!
So, how can we increase the value of Qian Qian? Buy value-added products! That is, stocks, bonds, real estate, commodities and other hedging products. As this is a beginner, it is said to go all out. All guests should be entertained. Don't spray if you don't like it! It's all for fun. Don't spray if you don't like it! It's all for fun. Don't spray if you don't like it! (Say the important things three times)
The nature of stock belongs to the company selling its equity, and investors can make profits by buying certain shares, which is equivalent to holding shares, so that the company can collect certain funds to operate the company to make profits, and then return some profits to investors as dividends, which is mutually beneficial. But the risk is high. Once losing money, investors will not only lose dividends, but also lose their own principal. This is a normal thing, calm down!
Bonds are divided into corporate bonds and national bonds. As the name implies, corporate bonds refer to companies that need funds, borrow money from investors and promise to give a certain rate of return within a certain period of time. This sounds more reliable. For example, investors lend money to the company for 5 years or even 10 years, and get a yield of more than 3.5% every year. After 5 or 10 years, they will receive the principal plus 5 or 65438+. The national debt is also operated in this way, but there is a problem here, the problem of duration. To put it bluntly, it is a question of credit, that is, can investors get back the principal and income after the deadline? Obviously not, there is no doubt that the country will be more reliable than the company. Therefore, even under the same loan term, the country will get many supporters if it gives a lower rate of return, because if the country can't afford it, it may build a small Qian Qian to pay you back! If the company wants investors to lend them money, it needs to increase the rate of return, so that investors will be tempted, because investors are taking risks at this time. Therefore, the younger the general company's qualifications, the higher the interest rate that needs to be promised. The greater the general risk. But after all, few people can resist the temptation of the copper smell from Qian Qian. Because of the maturity of bonds, listed companies here will have more financial protection than non-listed companies!
As a real estate, real estate can sometimes make people impulsive in the era of soaring housing prices and land. I can not only earn money by collecting rent, but also sit at home alone. Qian Qian Jr. fell from the sky. A few years later, the original 654.38+million house can be sold for 300,000. Oh, my damn charm of attracting money kills two birds with one stone! However, please believe that house prices will not rise forever, and there are still risks.
The value-added way of goods is similar to real estate in Ben Xiaobai's view, so I won't go into details here.
Let's talk about value-added products first. After all, there are too many collectible things like gold, artworks and calligraphy and painting, so even in the second case, it will not depreciate, but will only become more and more expensive, so it seems that as long as we invest, there will always be a return. Look at the pattern of investors, buy or not, whether you want money or not, it's up to you!
Generally speaking, companies will raise funds through two financing methods. One is to issue shares, that is, to raise funds from investors who want to own shares in the company; It is a kind of debt, that is, issuing bonds to raise funds from investors who agree to lend within a fixed period of time.
So how do we invest? It seems to be worth pondering.
There is a very practical saying to remember, don't put all your eggs in the same basket, because of the existence of unknown risks, you should invest carefully and grasp the principle of small amount and multiple times.
Let's stop here. See you next time. Goodbye!
202165438+125 October