{Jin Shunqiang}You must know these seven facts in financial management

Financial experts generally grow up through trial and error, and only after walking and falling can they know which path is most suitable for them. Many people fall into a world of "taking things for granted" before managing their finances, only to realize that the reality is not as they thought after experiencing it firsthand.
        Here are the learning methods recommended by Zhongxing Caixing. Everyone, hurry up and try new learning methods!
        Reality 1: People who study the stock market every day may not necessarily earn more than those who don't understand anything
        The stock market has always been unpredictable, and in the past few months it was still a prosperous scene. In the blink of an eye, the wind suddenly turned sharply downwards. We often say that people who don't understand anything should not blindly enter the market. However, those who study the stock market every day will not earn more than others, especially in the Chinese stock market, which often does not follow the routine.
        Of course, this is not to encourage people to speculate in stocks without researching. Having more knowledge is still beneficial, and even if they stumble, they can know the reason behind it.
        Reality 2: Small banks may be safer than large banks
        Many conservative people believe that large state-owned banks are the safest, and they are not at ease with other small and medium-sized banks. Therefore, they go to large banks for deposits and wealth management, but little do they know that sometimes small banks may even be safer and have higher returns on wealth management than large banks.
        In recent years, most of the various deposit disappearances and financial management flight incidents that have erupted in society are related to state-owned large banks, with Industrial and Commercial Bank of China and Agricultural Bank of China being the most involved. In many cases of interest subsidy deposits, it is because depositors believe that large banks are not in danger and take risks to offer non transparent interest subsidies, only to regret it after criminals abscond with the funds.
        In fact, as long as formal channels are used, there is no difference in the level of security between large and small banks.
        Reality 3: Not all products sold by banks are their own
        When people go to the bank to buy wealth management products, they usually assume that these products are issued by the bank themselves, but in reality, this is not the case.
        In addition to self operated wealth management products, banks also sell products from other financial institutions on behalf of others, and the risk of these sales products is higher than that of bank self operated products. Before purchasing, it is important to ask clearly.
        Reality 4: Wealth management will widen the wealth gap
        When there is less money, there is relatively less room for choosing financial products, and the risk tolerance is relatively high. With more money, one can invest in multiple types of financial products, and the allocation ratio of high-yield assets will also increase.
        For example, poor people only have1Ten thousand yuan, and also reserve funds for daily and unexpected expenses, so it can only be placed in Yu'ebao, with a yield of only3%。
Rich people have200Ten thousand yuan, as long as a small amount of funds are reserved, most of them can be invested in the trust, with a yield of10%If this continues, the wealth gap between the poor and the rich will continue to widen.
        Reality 5: Pay more pension but not necessarily receive more
        Pension is also closely related to financial management. After retirement, you can receive it every month, which is one of the indispensable sources of funds in old age. It can be used as living expenses or for financial management. However, it does not mean that the more pension you pay while working, the more you can receive after retirement.
        The amount of pension received is related to two salary levels, one is your own salary, and the other is the average salary level in your city.
        For example,AWorking in a big city, the average salary during work is8000element/Month,BWorking in a small city, the average salary during work is110000 yuan/Month, but after retirementAIt is possible to compareBI receive more pension because the average salary level in big cities is higher than in small cities.
        Reality 6: In a certain way,goldIt's the worst investment product
        Although in the long run, gold can outperform cash and bank deposits, strictly speaking, it cannot be considered an investment product, only a hedging tool. During times of war and famine, gold is easy to carry and can resist vicious inflation. However, when extreme situations occur, such as severe famine, gold is often not as valuable as rice. Because rice can save lives, gold cannot.
        However, the more stable the society and the more developed the economy, the smaller the value of gold. If you want to buy some gold, there can only be two uses in the future: or carrying it with you when fleeing famine, to exchange for life-saving food; Or basically it has nothing to do with you, it will be passed down to future generations.
Reality 7: The one selling stocks is the master, and the one buying stocks is the grandson
        Listed companies can always receive a premium,IPOThis was before the registration system, and it has been the same since then. After all, after going public, the company's equity has become a convenient asset for trading. Assets with strong liquidity should receive higher valuations than assets with poor liquidity.
        So, those who have the ability to start a business and issue stocks are the true heroes of wealth, enjoying the highest multiple premium. The group of people who invested in it and helped it go public are second-class heroes, enjoying second-class premiums. When you buy someone's stock in the secondary market, you basically take the last hit and can only do dojo in the snail shell. Unless the company really grows high, the possibility of losing money is very high.
  If you don't pay attention to finance, you will be abandoned by the world because it's difficult for you to make money at the same speed as printing money. The author is not only a spot finance analyst, but also pays attention to the domestic and international economic forms and trends, and commodities are closely related to the economy. Interpreting World Economic News and Analyzing Global Economic Trends!The investment system includes: investment philosophy, investment mentality, investment strategy, as well as fund risk control and operational techniques and ideas. Searching for investment opportunities（crude oilAsphalt, natural gas, silver,Friends who need to communicate in spot and stock investments such as gold. writing/Jin Shunqiang(WeChat:wq125732)Long press to copy QQ:124231926 Get Exciting