Why Is Financial Investment Making Money Difficult?

After more than 30 years of rapid growth in China's economy, the wealth that people can afford to control is also increasing. More and more people are concerned about the preservation and appreciation of their assets.

Talk about

People often mention money management.

With the continuous development of traditional finance and Internet finance, people's common perception is that the channels for investment are becoming more and more abundant.

However, when we talk about the risks of earnings, the situation of investors will be very different. It is also a matter of financial management. The profits and losses of investors are different under different varieties.

Compared with other financial products, stocks, funds and P2P have attracted a lot of investors' attention because of their higher theoretical profits and convenient participation.

According to the performance of these three financial methods in the past year, the A shares accounted for only 26.8% of the profits of the stock market in 2016, the proportion of the loss shareholders was as high as 73.2%, and the loss per capita was 50345 yuan, and the overall yield was -21.5%; in terms of fund investment, only 34.3% of the people achieved positive returns in 2016, 0.5% profit and loss remained flat, while the remaining 65.2% lost money in the fund investment; in 2016, 68.28% investors in P2P financing did not encounter the problem platform, 31.72% investors encountered a problem platform in the past year, of which 26.40% investors encountered two problems platform, and the proportion of investors who met more than 30 problem platforms was 3.

These three sets of data reflect the same information. In the financial market, a certain proportion of people do not earn money.

So is it necessary for investors to abandon investment and financing? The answer is No.

Investment experts believe that if investors want to achieve sound wealth growth, we must first recognize risks and evaluate their own.

Secondly, we should find the right channel and make an investment strategy analysis.

For example, in the above investment channels, stocks, funds, P2P data reflect the situation is different.

In the statistics of A shares, we can find out that the loss investors mainly come from the large investors who invest less than 100 thousand yuan and have more than 10 million yuan in capital stock.

The reasons for this are that there is a big gap between the retail investors who have less funds and the stock investors in the stock market.

Therefore, ordinary investors should realize that in the case of a sharp reduction in the stock market's profit making effect, the strategy should be conservative, temporarily withdraw part of the fund's wait-and-see, or consider the long line holding some stocks with good performance and good growth, and earn long-term profits.

Many investors fail to correctly distinguish the types of funds when they purchase funds. Not all fund risks are less than stock investments. Some partial funds are highly correlated with the stock market, and the risks are self-evident.

If investors want to invest in funds and do not want to take too much risk, they can consider investing in some better performing bond funds.

At the same time, investors should pay attention to the operation of fund products. It is very difficult for them to earn profits quickly and quickly. In addition to handling fees, funds usually have a closed period of time. Investors should fully consider the liquidity of funds.

stay

In terms of data, investors should pay attention to their differences from stocks and funds. The main risk of P2P financing is not mainly from the overall market performance, but rather on platform selection.

That is to say, when investors do not step on the thunder, it is likely to reach or close to 10.45% of the overall net loan yield of the net loan industry in 2016, and get a steady return at a lower risk.

Investor experts believe that in terms of prudent financial management, the way P2P proceeds through investment is not more complicated than other investment methods.

It is mainly due to the different ways of obtaining the expected profit by mathematical calculation probability and various internal reference messages such as P2P and stock and fund. P2P has neutral and objective criteria and reference in choosing platform.

For example, the third party service platform with better word of mouth in the P2P field, the FRAS risk assessment system developed by windmill finance independently develops a set of platform evaluation standards from a professional point of view. From the 6 angles, namely, the background strength, the wind control system, the business mode, the product characteristics, the operation capability and the IT technology, and the 32 dimensions and 100 evaluation points, we can evaluate the performance of the platform and its business.

Up to now, through the dozens of selection platforms of windmill finance FRAS risk assessment and evaluation and on the shelf standard, the operating conditions have been performing well, and there has not been a problem platform. Such performance has also verified the FRAS system's effective use and value in reducing the risk of P2P financing.

Investors can refer to the evaluation angle and dimension of FRAS to investigate and evaluate the platform, select high-quality platforms that meet their own standards for investment, or directly select windmill financing access platform selection products for financial management.

In terms of investment strategy, investors can make use of the third party services provided by windmill financing to diversify their portfolios, and further reduce the risk of financial management through multiple high-quality platform portfolio investment.

Investment experts say that in the investment and financing market, risk is always a problem that investors need to consider first.

Whether stocks, funds or P2P, there are uncontrollable factors in any investment. If investors want to get a steady return on investment, they must learn to use scientific investment strategies and reliable third party services to minimize the risk of financial management.

In the follow-up investment, if investors can focus on analyzing and understanding the differences of various financial products and establish their own ability to control risks and sound financial management, it will not be difficult to make money in the 2017 financial year through financial investment.

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