The Most Stupid Way To Make Money Is &Nbsp; Ten Minutes To Learn How To Be Rich.

Now let's talk about investment tools and investment products that ordinary people can easily grasp.

First, deposit a bank to earn interest. You deposit your money in the bank is an investment. This kind of investment belongs to you to give the money to the bank to help you to manage it, let it lend out, then you eat some interest, and then give you a bit after making a profit margin in the bank, so this investment income is really very poor.

Two, buy bonds sold by banks, this low risk, low returns, conservative investors can choose, but many bonds are difficult to buy, because the share of the issue is small, many times when the issue was robbed by the institutions.

Three, buy RMB financial products issued by banks.

Four, buy insurance products sold by banks.

Five, buy all kinds of fund products sold by banks (IMF, guaranteed funds, bond funds, stock funds, etc.).

Six. Participating in stock trading through securities companies.

It doesn't matter what tools you choose to invest. The important thing is to figure out what risk and risk you need to invest. In those investment tools I just mentioned. Low risk and low yield are: deposits, bonds, RMB financial products, monetary fund, bond funds, insurance. High risk and high return are equity and equity funds.

Note that the above risk classification is only roughly distinguishes. There are also high risk and high returns in the financial products of banks. There are also high risks in bonds, such as the subprime debt in the United States.

I can't explain all the products to you in a short time. But I can tell you how to match these products. The principle of collocation is to use the age of 100 - your current age.

For example, I am 30 years old, so I can invest 70% of my money in high-risk products. If I have 10 thousand yuan to invest, then I can buy high risk products of around 7000 yuan.

If the person is 70 years old, he can only buy 30% of his or her stock of stock or stock fund, and ten thousand yuan can only buy 3000 of the stock fund. The remaining 7000 yuan must be invested in those low risk products.

But if your asset allocation is very unreasonable until now, it should be adjusted slowly. My own fund allocation basically follows the principle of age allocation, and low risk and high risk account for a certain proportion. If you really do not understand anything and do not want to spend your head thinking about any problem, you only need to learn how to make fixed investment quota for the fund.

Fool investment is not afraid of not making money, bargain and overweight investment five tips.

Such a fixed quota investment method is simple and complicated, so it is called "Fool Investment". However, according to the in-depth study of operators, regular quotas are not as stupid as we all understand. Many investment tips can increase investment efficiency and return rate. In simple summary, there are 5 big moves for investors to learn from.
The 118th Journal of Smart Zhi Fu, Taiwan, has made an analysis.

First strokes, bargain and 2 steps to raise remuneration.

Strictly speaking, this is an old principle. Almost all investors know that when the market falls, they should enter, but there are few people who really believe in doing so.

Sun Fangzhu, who started selling overseas funds several years ago, said with regret that in such a long time, it is rare to see that regular investors will buy more regularly when the market falls. Lowering the price is a good way to raise the fixed rate of return on investment. It is not a pity that if investors can learn to use it, the efficiency of investment will increase.
 
In practice, it can be divided into 2 steps:

Step 1 consider 3 things first.

1. is the prospect of investment target good?

2., has the stock market been steadily shrinking?

3. is market sentiment rather pessimistic?

If there is no prospect of investment targets, the stock market will gradually stabilize and the market atmosphere is no longer pessimistic, that is, the time to bargain.

Step 2 determine the way and amount of the overweight.

Sun Fangzhu said that investors can increase the amount of deductions 1 times, or change the number of deductions from 1 times a month to 3 times, depending on the personal financial situation.

The second way is to lock up funds and exchange time for rebounding.

When the market is not good, regular quota performance will inevitably be affected, especially if investors do not accumulate enough time or market performance is poor for a long time, regular fixed investment funds will be stuck.

Should this continue to be deducted? Or should we transfer the market? It is the doubts of many investors, especially when they see that the rate of return is even more anxious than a few months' deficits. Sun Fangzhu said that at this time, we can clarify the following questions and decide what to do.

Is the global market a correction in the short or long trend?

If the former is equal to all funds, they may face the same fate. Investors do not have to stop, but there is no need to change the fund from scratch. If it is the latter, it means that the market is still in a long position. If investors stop holding them for a moment, it will be a great pity.

Has the fund invested in industries or regions changed its fundamentals?

If the stock market falls in the industry or region invested by the fund, it is a benign amendment. If the fundamentals are not deteriorated, investors should continue to deduct money, or even seize the opportunity to buy it with a single premium. On the contrary, if there is a problem in the fundamentals, the investment personnel should consider the fixed funds in the handset and transform them into other future potential funds.

Third ways to leverage asset allocation and stabilize investment performance

Franklin, deputy general manager of the research department of Luo Youmei, pointed out that when people invest funds regularly and regularly, they think they can disperse the entry time and reduce the average cost of fund units. Therefore, the better the choice of the more volatile funds, the better the profits of the fund will be.

Luo Youmei found that more easily held funds, mostly high volatility single country or single industrial fund, because the industry has a business cycle, and some industries will be eliminated by the trend. A single country is prone to risk of political and economic crises. For example, after the Asian financial turmoil in 1997, many single national funds have been dismal for several years, such as the Malaysia fund, which has been liquidated because of its small size.
Wei Jianglin, deputy general manager of Taiwan bank, provides 3 dim sum law for investors.

1. understand the nature of investment: there is a great difference between the risk and characteristics of each fund. Investors should choose according to their investment attributes.

2. setting investment targets: different financing needs and different funds.

3. consider the degree of risk tolerance: high risk tolerance under 30 years of age, choose a positive portfolio; with age, a more robust portfolio can be adjusted; when it comes to retirement, it is suitable for a conservative portfolio.

The fourth trick is to set profits for the satellite fund.

Luo Youmei pointed out that if investors choose a single country or a single industry as a satellite fund, they must set up a stop point, and if there is a profit, they will come to the scene. This will ensure more investment and win a better understanding of the economic fundamentals of the country. At the same time, we should keep abreast of the latest developments in the market so as to improve the chances of profit. Otherwise, the result of long-term regular investment may be "deeper and deeper."

Taking the Nikkei 225 index as an example, from 2000 to the end of the year, the result of continuous regular monthly fixed investment, though the annual average return rate is close to 3%, is still positive. However, such a rate of return is barely compatible with the inflation figures, and it does not help much to accumulate wealth. Therefore, the satellite fund must set up a stop interest point, ranging from 15% to 30%, depending on the investment fund.
    
The fifth payment is better than the middle of the month and the end of the month.

Many investors will encounter a problem after deciding to invest regularly, which is the best time to deduct money at the beginning of the month, the middle of the month and the end of the month? The answer is: choosing a good deduction at the beginning of the month will earn you 1 to 2 percentage points.

Yan Guanghui explained that such a phenomenon will occur. The main reason is that the stock market is usually at a low level at the beginning of the month. According to Franklin's trial calculation, since 2004, the regular investment quota of India Mumbai index at the beginning of the month, the middle of the month and the end of the month showed that although the long-term rate of return is not very wide, it is obvious that the rate of return on the regular quota early month is almost 1 to 2 percentage points from the end of the month and the end of the month.
This small amount of money can at least offset some investment costs such as handling fees.