Ye Wenxi: Investment and Wealth Management5A common disease Hurry up and make changes to those who have been shot!

With the continuous progress and development of society, people's concept of financial management is also constantly strengthening. However, there are still many people who have common problems with investment and financial management.

　Common problem one: knowing to keep accounts but finding it troublesome


Bookkeeping is basically an essential weapon for entry-level financial management, and many people also know the importance of bookkeeping, but they just don't want to remember it and find it troublesome. Some people also say that even if they think of going to bookkeeping, they cannot fully remember how much money was spent on that day or a few days ago, and they cannot remember it completely. Over time, they become unhappy to keep track of it.


In this regard, it is recommended that everyone open their mobile notepad at the same time as spending money, record each expense on the spot, or download an accounting software directly. Not only is it convenient to use, but there is also no need to use a pen and paper to record it after going home, saving a lot of time.


　　Common problem 2: Lazy to calculate financial returns


When investing in wealth management, the most important thing for everyone is still the return, but the return rate of different wealth management products may not be the same. In addition, it is difficult to estimate the yield of products such as stocks and funds, which leads many investors to only look at their account balance. If it is more than the original principal, they will make a profit. As for how much they make, they are too lazy to calculate. Furthermore, if it is a diversified investment, some investors are too lazy to calculate their final total returns.


But if there are both losses and gains in financial products, without calculating the total income, one may not know whether they are making or losing, and may end up losing a lot of money without realizing it. For these investors, it is recommended to choose fixed income products as far as possible, such as treasury bond, selected portfolio investment plans with stable profits, etc., so as to save the link of calculating income by yourself. Of course, if there are enough assets, they can also be entrusted to professional wealth managers for management, saving time and effort, and ensuring wealth security.


　Common problem three: easy to develop selection difficulties


There are many channels for investment and financial management now, and there are also a variety of financial products, which makes many investors start to suffer from selection difficulties. At one moment, I feel that stocks are good and make money quickly, and at the other moment, I feel that money market funds are good and have guaranteed funds. However, the former has too high risk, while the latter has low returns. I am conflicted and don't know which one to choose.


It is suggested that you should choose different financial products according to your own capital status and risk tolerance. For example, investors with less deposits or ordinary risk tolerance can choose monetary funds, treasury bond, etc;For investors with higher income, more deposits, and stronger risk tolerance, they can allocate more on the basis of prudent investmentcrude oil，goldWaiting for products to diversify risks.


　　Common problem four: Unable to resist the temptation of "low threshold and high returns"


"High returns" have always been attractive to investors, but what is more attractive than it is "low threshold high returns". After all, the threshold for some financial products is too high, and many investors may not be able to afford to invest even if they want to, such as trusts. But once a product lowers its threshold and yields high returns, investors are likely to flock in, such asP2P。


But it should be reminded that products with high returns also have high basic risks, so do not ignore the existence of risks just because of high returns and low thresholds. It is recommended that before investing, everyone must understand the product details, inquire about the flow of funds, and avoid blindly following the trend to avoid causing huge losses.


　　Common problem 5: Thinking that only "money makes money" is investment


When it comes to investment, many people's first reaction is to achieve the goal of "money makes money" by configuring various investment and wealth management products. But investment often involves not only investing in money, but also investing in oneself. Because the best investment in the world is investing in oneself.


Therefore, when investing and managing finances, everyone must abandon the misconception that investment is just "money makes money", and think more about whether it is possible to invest more in oneself to become more competitive and earn more money in the future.

    Your Wealth Choice-Micro cap investment, the buying up and buying down model of micro cap investment brings convenience to investors, but also leaves more time for investors to improve their investment skills. Huashang Yitong Microdisk Investment provides small amount financing of international varieties of silver and crude oil, and senior analyst Ye Wenxi provides online guidance. Paying attention to Ye Wenxi's official account to help investors with small amount financing, improve their investment ability, and make better investment decisions is the best choice for small amount investors to guide WeChatywx5252。


If you have committed the above5Point to common financial problems, quickly correct them! Don't let them become stumbling blocks on your financial path.