漲時多賺錢,跌時不虧錢,可謂眾投資者皆期許的美好愿望和夢寐以求的終極投資水平。 It is a good wish and the ultimate investment level for all investors to make money and lose money when it goes up. 理財很重要,但隨著理財產品的豐富,市場競爭也日趨激烈,在選擇增加的前提下,不少人盲目追求高收益,而忽略了很多風險。尤其是當下國人,從眾盲目心理過于嚴重,剛起步理財的他們,大多數時候都走入這些死穴。 Money is important, but as the abundance of wealth management products, the market competition is increasingly fierce, increased under the premise of the choice, many people blindly to the pursuit of higher yields, and ignore a lot of risk.In particular, the people of the moment, who are too blind and psychologically serious, have just started managing their money, and most of the time they go to these dead caves. 死穴之一:投機炒股 One of the dead caves: speculative trading 中國股票市場在最近13個月中過山車般的跌宕起伏,彰顯出這個獨特投資者群體行為的“滾雪球效應”。上證綜合指數在最近1年中大幅飆漲了150%,但在短短的三個交易周多一點的時間里暴跌了30%。 The roller-coaster ride of the Chinese stock market in the last 13 months highlights the "snowball effect" of the unique investor group.The Shanghai composite index has soared 150 per cent in the past year, but has tumbled 30 per cent in just over three trading weeks. 當市場一路漲升時,國家一直引導著投資者隊伍一路前行,政府希望中國股票的估值大幅上升。更高的股價也有助于中國的國有企業降低負債水平,因為它們可以將自己持有的股票賣出償還借款。 As markets rose, the country guided investors along the way, and the government hoped that valuations of Chinese stocks would rise sharply.A higher share price also helps Chinese state-owned companies to reduce their debt levels because they can sell their own shares to repay their borrowings. 投資者進入股市,根本目的當然是要贏利,要使財富增值。但股市中有“7賠2平1贏”的規律,這么多人賠錢,不能不說是這一規律使然。為什么這么多投資者不懂或不相信這條規律? The fundamental purpose of investors entering the stock market is to make a profit, to add value to the wealth.But in the stock market, there is a "7 to 2 win" rule, so many people lose money, not to say the rule.Why do so many investors do not understand or believe this rule? 原因有多種,重要的方面是心理上本能的偏誤在不自覺地影響著人們的行為。而股市幻覺又強化并放大了人們原本就有的行為偏差。 There are many reasons for this, and the important aspect is that the psychological bias unconsciously influences people's behavior.And the illusion of the stock market reinforces and amplifies the behavioural biases that people already have. “股市有風險”,不是說作為普通的工薪階層的散戶,炒股時不該有一點兒“投機心理”,但“投機心理”還是少一些為好。 "The stock market has a risk", not to say that as an ordinary working class retail, fry should not have a bit of "speculation", but "speculation" or less as well. 如果說,一段時日,股市上“一路飄紅”,大爺大媽們便“蜂擁而至”,而一旦風吹草動便“倉皇出逃”,這樣的“投機”,十之八九會“血本無歸”的。 If, for some time, the stock market "wave red" all the way, elderly men and women "swarm", and once when it "flee", "speculation", nine times out of ten will be wiped out. 畢竟,“市場大鱷”,他們“經驗豐富”,往往瞅準機會,“快進快出”而“賺了就跑”,那樣的功夫,一般中小散戶是難以學來的。 After all, "market predators", "experience", they tend to focus on opportunities, "fast forward fast" and "earned run", kung fu, general small and medium-sized retail investors is difficult to learn. 很多人都知道股市有風險,入市需謹慎。但只看到人云亦云,很少看到真正有人能靜下來思考股市的風險究竟在哪里,如何規避。很多人認為,在你沒有找到規避股市風險的辦法,沒有找到好的指路人之前,最好不要進入股市。 A lot of people know that the stock market is at risk, and the market needs to be cautious.But the only thing you see is that there are very few people who can sit still and think about where the risk is and how to get around it.Many people think it's better not to get into the stock market until you have found a way to avoid the stock market risk. 此外,在股市一定要用自己合法的閑錢、并且以投資的心態去操作,絕對不能像賭徒一樣。 In addition, in the stock market must use oneself legal idle money, and the mentality of investment to operate, must not resemble a gambler. 小貼士 Tips: 先多熟悉股市的游戲規則,然后再做好資金管理,在股市調整的時候可適當的進入,然后在上漲到有一定的利潤時要果斷堅決賣出,不要貪婪,貪字到最后只得一個貧。記?。河肋h要先保住本金,再盈利。 More familiar with the rules of the game of the stock market first, and then make money management, at the time of correction can be appropriate to enter, and then rising to have a certain profit to sell decisive firmly, don't be greedy, greedy word to finally have a poor.Remember: always keep your money first and make a profit. 躲不過的投資理財十大死穴 你中槍了? Do you get shot in the top 10? 死穴之二:買房保值 The second of death: a store of value 無論中國的房價怎么漲,總會有一些房地產泡沫即將破裂,房地產市場馬上崩盤的聲音。普通購房者懼于這些聲音遲遲不敢下手,畢竟對于大多數人來說買房花費了自大半生的積蓄。 No matter how much house prices rise in China, there will always be a housing bubble bursting and a crash in the real estate market.Ordinary homebuyers are afraid of the sound of these voices, which, after all, cost most people their savings. 中國已經實行30余年的計劃生育政策是終結房屋價格上漲的最強有力的殺手,支撐房價不斷上漲的最根本的動力還是“鋼需”,可是由于國家的計劃生育政策,使得“新人”的數量逐年減少。 China already has more than 30 years of family planning policy is the most powerful killer end house prices, rising housing prices to support the fundamental motivation or "steel", but because of the country's family planning policy, making the number of "new man" reducing year by year.


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