The Logic Behind Investment Pits: Not Doing It Will Not Die.

Recently, the news of the P2P platform running at the end of the year is rampant. Many media will focus on the P2P platform, but few people are concerned about the investment and financial literacy of investors behind P2P.

Some investors have been cheated by money, but CAI has also been distressed. But this emotional regret can not obscure investors' own problems.

Many deceived investors tend to be deceived by the lack of prudence, rather than the lack of knowledge about their financial investments.

On the one hand, the root of the fake P2P platform is left behind. On the other hand, Cai thinks that the lack of common sense of investment and bad investment mentality are the biggest problems of being cheated.

We ask ourselves, is the investment platform "thundering"? Is there no reason for investors to be irrational? Vegetable guide does not want to look at this problem with a critical attitude. Since we have been chatting happily with our friends, I also want to tell you again today that a qualified investor should have the quality, which is called "six taboo" of investment.

One bogey: self willed greed.

Human nature is greedy. It is the expectation that we can get the greatest return with the least effort. Many people invest in this way.

For high security, but low income platforms are not very interested.

These people share a common feature: they like to pursue excitement, and like to pursue high yield platforms.

In particular, the annual income reached more than 18% of the platform.

But greed is the cause of many disasters.

When P2P investment generates profits, investors will have a delusion about their investment decisions, and expect to make greater profits in the future, so they will confidently expand their investment scale.

Two avoid: blindly follow suit

When it comes to making money, I believe that most people want to get rich as soon as possible. Although money is not everything, it is impossible for them to have no money, but it is precisely because of the strong desire for money that it is easy for investors to blindly pursue "sky high profits".

But generally speaking, though

It is related to the pricing power of the platform itself, but it also corresponds to higher risk assets, because P2P platforms are not normally philanthropists.

So when a P2P platform is willing to provide you with a 20% yield, you need to be aware of the risks behind it.

Three bogey: give up when cooked.

Every Sunday night at half past eight, there will be a lot of dishes and friends to ask the dishes guide. What platform is worth investing? Actually, this group of people is still more intelligent and will consult the food guide.

But what vegetable guide wants to express is that many new dishes are not particularly familiar, and even some names are first heard.

Vegetable guide thinks, investment must be to the industry that you are familiar with or the project that you are familiar with to invest, before investing, undertake roughly assessment to the risk, see how much assurance, do not look at others to throw me to throw.

When facing the dazzling P2P platform, we should choose the platform that we are familiar with carefully.

If you want to try a new platform, it is recommended that you can learn some basic content through your own professional learning before you combine it.

The opinions of the third party rating agencies invest.

Have time to look at any rookie money.

Four taboo: asymmetric information.

"No investigation, no right to speak," Cai also strongly agreed that without investigation and understanding, it should not invest in P2P.

At present, the degree of information disclosure and regulatory system in the P2P industry are not yet standardized. There is a lot of information asymmetry between investors and platforms.

Investment is a process of gradually eliminating information asymmetry.

Before investing, vegetable friends should make a preliminary understanding of the background of the platform, operation and the third party evaluation, and then invest in the opinions of all parties.

Five taboo: lack of independent thinking.

Usually,

Opinions on others, especially close friends, tend to be overly trusting. They believe that friends' words represent the truth of the market and that they do not need to investigate the market again, resulting in investment failure.

This aspect also needs to remind everyone to keep in mind when doing any investment and financing projects.

Six taboo, quick success and instant benefit.

In order to get the biggest harvest at the lowest cost, there are many people who have a shortcut to invest and manage their finances. Generally speaking, such people are more competitive and eager to get rich.

Therefore, once an illegal investor encourages investors to make investment in the relevant recommendations under the pretext of high interest rate return, it is easy to get caught in the middle of the trap.

Vegetable guide summary

Of course, choose to continue to pay attention to rookie money management, vegetable guide will popularize more P2P investment common sense to everyone, hope that also can let the dishes friends to step down the thunder!!!