What are the common misunderstandings of family financial management and "zero foundation" financial management?

With the rapid development of social economy, the material life has become richer and richer, and the money in the hands of investors has gradually increased. Although there are many places that need to spend money, there is an endless stream of electronic products updated every day. In fact, it is not difficult to complete the basic "electronic equipment". It is OK to have one mobile phone, notebook, iPad and so on. With more money in hand, investment and financial management has also been pushed to the forefront and become a topic of discussion. What are the common misunderstandings of family financial management and "zero foundation" learning financial management?

Once I didn't have any money in my hand, I didn't dare to go to commercial banks to say that I want financial management. Now the "threshold" of investment and financial management products is getting lower and lower, and the slogan of "starting from 1 yuan" rings through the north and south of the river. More investors can participate in it, which also makes the team of investment and financial management more and more huge. More people want to live better through their income after sleep. Keeping and increasing the value of their funds has become a top priority in family financial management under the rising trend of inflation.

However, investors must understand that "investment and financial management is not 100% profitable. Instead, investors should be careful. Investment will also suffer losses, and it often happens that they lose money if they don't make money." riding a bull and watching a bear should remind investors that financial management and investment are also divided into low risk, medium risk and high risk. Investors mainly focus on low-risk financial products, Indeed, it can ensure the safety of the principal, but if inflation rises strongly, it may not be able to outperform the market, resulting in the depreciation of the funds in hand. Medium risk and high-risk financial products make and lose, which is easy for investors to enter the investment misunderstanding. We must make it clear!

Some investors who have just started to invest in financial management often follow their relatives, friends or colleagues. They have no investment direction and don't even know what they buy. This situation can be said to be "paying tuition fees". Investors must invest as little as possible at the beginning, so that even if they lose money, they will not affect their family and life, and slowly accumulate their own financial experience. Riding a bull to see a bear thinks that it is easy to "slow down" when buying financial products. People invest only when they make money. In fact, the bonus of making money has long passed. At this time, it is easy to buy at the highest point, and then lock up to increase their losses.

When choosing financial products, investors should pay attention to whether the buying and selling timing is appropriate. Timing and timing are the most important factors. Don't only pay attention to the evaluation of the media and acquaintances around you, don't care about the quality of the products, and ignore the key timing of buying and selling. Riding a bull to see a bear believes that even if investors are particularly optimistic about financial products, they must diversify their investment, do not buy in the whole warehouse, and use the way of decentralized investment to avoid risks and avoid full warehouse losses or being locked up. This is also an effective way of investment and financial management.

In life, most people belong to the working class. They rely on their monthly wages to repay their loans and normal expenses, that is to say, if they want to use the only money to improve the quality of life, investment and financial management is a "shortcut". Riding a bull to see a bear believes that family financial management does not have to invest. Learn how to increase revenue and reduce expenditure and manage the money in hand. This is also a way of investment and financial management. First save the money in hand, then take care of it slowly and effectively, and make reasonable investment and financial management in the future. Doing so can preserve and increase the value of the money in hand as much as possible.

In the family financial investment, we should choose according to the risk preference, and then consider the reasonable investment proportion. This can ensure that conservative investors will not buy too many medium and high-risk financial products; Radical investors will not configure too many low-risk financial products. Only in this way can the funds in their hands be reasonably planned, which is expected to obtain excess returns and outperform inflation. Sometimes it seems to be a very simple truth, but if the steps are wrong and the way of looking at the problem is reversed, it will become completely different results.