Today, I slightly increased my position in the consumer industry stock fund, which is the third time this month I have added to the consumer industry stock fund. Many people hope that the stock market will rise immediately, but I do not. Why? Originally, everyone was quite trapped, including public funds. If the market rises now, even if it rises by 20 points, it may just break even for everyone. What's the point of that? Investing is not for breaking even!
It's better to fluctuate around 3000 points for several months or even years, allowing everyone more time to slowly increase their positions at a low position. In this way, when the market rises by 20 points in the future, everyone will not only break even but also make a big profit.
In the past, I also complained about the short bull and long bear market of A-shares like ordinary investors, but I no longer complain from this year. Really, I now enjoy this long bear market that allows me to slowly increase my position at a low position. Even if I can only increase my position by 0.4 million yuan per month, I can increase my position by nearly 50,000 yuan in a bear market year, and more than 200,000 yuan in a bear market of 5 years. Isn't it great to increase positions at a low position? Sow golden seeds in the bear market and reap golden ingots in the bull market. How happy it is to increase positions in the bear market!
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Many people feel tortured and even fearful about the current stock market, but now I only regret that I don't have much spare money in my hands, and I can't increase my position by much each month. In the future, I plan to continue to increase my positions in the CSI 300 and real estate index funds. After the bank deposit matures in the latter part of next month, I will make a larger increase in position.
"If the heart is not dead, then the way is not born." Why do people violate the "way" and "virtue"? The most important reason is that the "thieving heart" is not dead. Ordinary people are born with a thieving heart that seeks quick success and instant benefit. Only when the thieving heart of ordinary people is completely shattered, and the heart that seeks quick success and instant benefit is shattered, can people possibly agree with the "way" and the laws of development of things.
In terms of stock market investment, most people have a heart that wants to get rich overnight in the stock market. Only when this greedy heart that seeks quick success and instant benefit is completely dead, can people regain rationality, and people will be willing to get rich slowly. Getting rich slowly is the way of stock market investment.
Many people think that the stock level shown in my articles is not very good, in the final analysis, it is because they have a thieving heart that wants to get rich overnight, and my method of getting rich slowly is naturally not in their "eye". Only the stock trading method that can make what you buy, what immediately soars, can win their favor.
The December delivery of West Texas Intermediate crude oil futures at the New York Mercantile Exchange fell by $3.76 on Thursday, a drop of 4.9%, closing at $72.90 per barrel. This is a very embarrassing position for investors - the oil price is neither low nor cheap. It is risky to go long, and it is also difficult to go short.If the international oil price falls below $40 again next time, I will buy oil-related funds without hesitation. Previously, I have missed such opportunities many times.
Some fans frankly said that their risk tolerance is too poor and asked if there is a financial management method that is not as high-risk as stock investment. Of course, there is. It's just that the returns are far lower than stocks and equity funds. For example, money market funds are a financial management method with almost zero risk, and the current annualized return rate of domestic money market funds is below 2%. The advantage is that it is flexible to withdraw, and you can see the money ticking into the account every day. The most common money market funds are Alipay's Yu'e Bao and WeChat's Change Tong.
Of course, their income is far less than that of stocks or equity funds. Stocks make money and lose money.
Treasury bonds are guaranteed by national credit and are the financial products with the lowest risk. The current annualized return rate of treasury bonds is around 2.6%. The return is much higher than that of money market funds. However, when it comes to withdrawal, treasury bonds are far less flexible and convenient than money market funds.
Bond funds are also a low-risk financial product. In the past two years, the bond market has been good, and many people who bought bond funds have obtained good returns. The current annualized return rate of bond funds is between 3-4%. Of course, its risk is slightly higher than the above two types of financial products. However, people who invest in bond funds for a long time can generally make money.
Bond funds are divided into short-term bond funds and long-term bond funds. People with long-term idle money are suitable for investing in long-term bond funds, that is, Fund A. Friends without long-term idle money can invest in short-term bond funds, that is, Fund C.
For the vast majority of families, the best allocation is to have both these low-risk financial products and stocks or equity funds. Such asset allocation is both offensive and defensive.
A fan friend asked, "Can I only buy low-risk financial products and not high-risk stocks or funds?"
I replied, "Of course you can! But you must know that the returns of your low-risk financial products will definitely be lower than the rate of price increases. Your assets are slowly eroded by inflation. However, after doing low-risk financial management, the erosion by inflation is slower. If you only do low-risk financial management, your funds will actually devalue slowly in the long run." To achieve the preservation and appreciation of property, we must do some stocks or equity funds.
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