Financial Planners Teach You To Pay Attention To Several Problems In Financial Investment.

Recently, banks have been cutting interest rates and the overall interest rate of deposits has declined. More and more residents are turning their eyes to more "financial management".

In the process of financial management, we should also pay attention to the following points, so as to avoid going wrong and winding roads.

In recent years, with the improvement of the income level of residents, the interest rate of deposits has declined in general, and more and more residents begin to manage more money.

In this regard, the famous third party wealth management agency financial planner pointed out that in fact, it is not too late to start managing money, it is also the right choice.

But in the process of financial management, we should also pay attention to the following points, so as to avoid going wrong and winding roads.

Error 1. High expectations of investment.

Many investors have high expectations of investment.

For example, the most enthusiastic stock market, many people always want to earn several times in a year.

You know, even in the stock market, high risk and high return.

In a year, the probability of turning over a few times is also relatively small, and ordinary retail investors can hardly do it several times.

Of course, this year's stock market, the probability of doing this in a special period is larger. But with the implementation of the IPO registration system, the stock market will soon enter a new era. Obviously, it is not so easy to earn several times a year, but the risk of investment is increasing.

If the expectation of investment is still too high, the mentality is not easy to operate in the way of thinking, it is not easy to make money, or even lose money.

Mistake two, do not know your investment.

If you invest, don't set foot in something you don't understand at all.

For investment and financial management, such as highly collectible collectibles and artworks investment, if investors do not understand it, try to minimize it.

These areas, even if they are not counterfeit, and if there is an aesthetic or artistic deviation, the value will eventually be reduced by several times or even dozens of times. These losses are generally unable to compensate.

Therefore, if this kind of collection investment is not particularly in-depth understanding, the financial planner suggests that we should try to avoid involvement.

Error three. The risk of investment is not clear.

For example, the bank's financial products, before the bank's financial products are known for its robustness, but now they are different.

Bank financing products are not only RMB financial products, but also structured financial products.

The former returns are still stable, and the risk is smaller around 4.5%-5.5%.

For the latter, some revenue from structured financial products can reach 8%, much higher than that of RMB financial products, but the yield may not be so high at maturity.

Because many genera are linked.

If the investment target of a fund does not reach the limit of its triggering, there will be no best return.

These trigger boundaries are typical, such as the stock index period.

If the prescribed trigger limit is met, the best return will be achieved, or less than 8%, usually only about 4%.

The financial secretary points out that this is different from some stock investment plans that are also related to the stock market on the market. Taking the MOM investment plan as example, if the investor chooses the priority investment, he can get 8% of the proceeds. This part is provided by the poor investor with a security cushion for security, and a floating income.

If this kind of investment chooses the inferior rank, there will be potential high returns, and some periods will reach 60% or 70%, but there is no guarantee income.

Therefore, if we choose the bad investment, it will be bigger than the priority risk.

Financial planners remind that when investing in financial products, you may wish to make a good comparison, and clearly understand the risk of investment and choose the right investment.

Error four, lack of diversification

The way should be diversified as far as possible.

Experienced investors often say "do not put eggs in one basket" means this.

Diversification is the most effective way to diversify investment risks.

In the mature foreign investment market, such as the wealthy class in the United States, the investment structure includes mutual funds, private equity funds, domestic stock, foreign stock, real estate, bulk commodities and so on.

Diversifying investment makes their wealth more stable.

Of course, this is also an investment concept advocated by financial planners.

In general, financial planners believe that investment is risky, but how to avoid risks, reduce risks and make a good profit is very particular.

Recognizing the above four points will surely help investors clarify their thinking.