Financial Management, Avoid These Pits And You Are Half The Battle.

When 2016 came, many people began their new year's financial planning. In the face of interest rates continuing to decline and the US dollar entering the interest rate cycle, the bank's financial income has been decreasing. There are many new cases of running events on the P2P platform. Many people are looking for better ways to manage their finances.

In this case, be sure to remain calm.

The most illusions of financial products for ordinary investors are

High, high mobility and low risk.

But this product can't exist.

Only a balance can be made in these three aspects.

If you want high yield and high liquidity, you have to take certain risks, such as stocks and funds. If you want high yield and low risk, do not require too much liquidity, such as trust products. If you want to have high liquidity and low risk, it will be difficult to achieve high returns, such as balance treasure, monetary fund and so on.

You can't have both fish and bear's paws.

The San Francisco chronicle has done the gorilla stock picking experiment, which allowed gorillas to write only cardboard tenders with stock code. Putting a code in it means selecting a stock and using this method to make gorillas pick out 5 stocks.

Then, the chimpanzees picked up their stock portfolios and compared the 5 stocks selected by the 8 well-known analysts in the Wall Street journal. After holding it for a period of time, gorillas randomly purchased the stock.

The face value is higher than that of the trader.

In January 4th,

Welcome the first blood in 2016, 1000 shares limit down, after that is even more.

In China's stock market, which often fails to follow suit, even those who specializes in the stock market every day may lose money. Don't blindly listen to experts and buy a stock.

Many of the more conservative people, especially the elderly, believe that big state-owned banks such as workers and peasants are the safest, and are not at ease with other small and medium banks. Therefore, deposits and financial management go to big banks, but sometimes small banks are even more secure than big banks and have higher financial returns.

In fact, as long as through the regular way, whether it is a large bank or a small bank, its security level is not different.

When you go to a bank to buy financial products, you will generally feel a sense of trust when facing the staff in the bank. They believe that the product they introduced is bank issued, and the security is guaranteed.

However, this is not the case. In addition to self financing products, banks also sell products from other financial institutions, and the risks of these products are higher than those of banks. At the same time, the people who introduce these products are also arranged by ice bank staff, but related companies to arrange for promotion to banks.

5, one yuan money is just a gimmick.

Many Internet financial products are very low starting points, playing 1 or 1 yuan buying slogans, which is very different from the 100 yuan purchase and 1000 yuan purchase? Really only 1 or 1 yuan, and every day, tens of thousands of earnings are directly ignored; so do not see such a title on the heart, it is a good look at the content description and contract terms.