What mistakes are easy to make in investment and financial management, and what mistakes are often m

I don't bother to use my brain.

Laziness is a disease, and it is true for some people. I have a friend who has been at the forefront of financial management in the past, and has had experience in buying bank wealth management, buying **, **, etc., but now I can't do anything other than regularly go to the bank to buy wealth management products. I heard people around her say that Yu Bao is very easy to use, but she can't use it so far, and she has been letting the people around her teach her.

In fact, an Alipay, bound bank card can directly transfer money into it, which is actually very simple. There are also many such people in life, who want to manage money but are unwilling to learn, and someone has to teach them by hand.

Too conservative and reluctant to accept new things.

Now some elderly people are very conservative in their financial management, and their money can only be placed in two places, one is bank deposits, and the other is bank wealth management, and the proportion of deposits must be kept at more than half, and wealth management products must be purchased in the four major banks. No matter who recommends any other financial products to him, he will refuse, Alipay Yue Bao or anything will not dare to use it, he feels that the network security is too unreliable now, and it is safest to put money in the bank. This kind of investor is very stubborn, others can't persuade them, some elderly people are understandable to be conservative, but young people should gradually accept some new things, not that banks are necessarily safe, the Internet is necessarily insecure.

Don't know how to learn lessons.

Some people start with **investment, knowing that ** has always been one profit, two draws and seven losses, but many people are still one after another, this is the magic of **. There are investors who stumble in one place and don't have a long memory at all, and soon fall in the same place again.

The allocation of funds is not reasonable.

There are too many such cases, so that money is urgently needed, but all the money in hand has been invested in the project, and I can't take it out if I want to, and I can't borrow money. Investing it in illiquid fixed projects can be tricky when money is urgently needed. Investors should try not to make such mistakes, estimate the expenses that may be needed in the future, and allocate funds wisely.

Treating investment as financial management is the biggest mistake.

1. Can't save money

Investment, at least there must be a source of living water, there is accumulation, so that wealth can maintain a relatively rapid growth, the larger the base, the same growth ratio, the more the amount of growth. Therefore, if a person wants to get rich, he must first invest money and save money to invest. Therefore, you have to be able to save money.

2. Blind investment

Although sometimes the trend is right, if you follow the trend too much, some of them will suffer. In particular, some people's personality traits are always the type that is slow to others, and you should pay attention to it in terms of investment. Often, these people enter when an investment is already very hot, and then the market is almost "broken", and they may soon take over, lose money, and so on.

Therefore, investment should not follow the trend too much, especially for new and peculiar emerging investments, it is necessary to pay more attention.

3. The investment is too "anti-loss".

Investment, although there is a more stable investment, can obtain stable returns. However, if the investment is a change in income and there is a certain risk of investment, if the investment has a clear strategy failure and is too "resistant" to losses, it may aggravate the degree of loss. Therefore, investors should know how to be flexible, and do not refuse to admit their investment mistakes for the sake of face, and be too "resistant".

4. The investment method is too simple

In addition, overly concentrated and monolithic investment is also a major drawback. Any investment has a certain risk, and if you concentrate too much on one investment, you may encounter large losses once there is a risk problem. In addition, if conditions permit, it is also necessary to pay attention to distinguishing between domestic and foreign investment, even if there is a problem with domestic investment, foreign investment is not necessarily or is less implicated.

Therefore, if conditions permit, investors should also open their eyes to the world, diversify investment risks, and earn investment profits.

5. I don't know how to borrow

When it comes to investing, you don't have to do it yourself. Sometimes knowing how to use and consult professionals to help you is more likely to get good benefits. At present, China's private wealth asset management industry is in the ascendant and booming.

Therefore, investors should not be stingy with information fees and management fees in many cases, as it is likely that these fees are insignificant for your investment benefits, and generally speaking, an additional professional to help you make decisions can also reduce the overall risk of investment.

And here we want to talk to you about those wrong ways of investing and managing money, and the impact on investors.

What are the wrong ways to invest and manage money?

1. Borrowing money for high-risk investmentsWhether it's a credit card, a loan, or asking a friend to borrow money, don't go for those high-risk investment products. Borrowing money is a risky thing, and the risk in high-risk investment is even more terrible, once borrowing money to invest in high-risk financial products, it will inevitably lead to the superposition of two risks, bringing greater investment risks to investors.

For example, if you borrow money, there are very few people who can repay the money in the end, either they lose it in the money, or they want to win a little more and then repay it after winning, so they will inevitably lose money in the end, resulting in inability to repay.

2. The investment amount is higher than the living capital: Many investors want to make more profits in investment, so they begin to greatly reduce their living expenses and use all the money they save for investment and financial management. In this way, we don't care whether we lose or make money in the end, but during the investment period, the investor's life is bound to be very stressful.

Increased pressure in life is definitely not the real purpose of investment and financial management, nor is it an effective means. Especially for some long-term investment and wealth management products, when the investment finance is higher than the living funds, investors will have to save money for several years, which is not cost-effective.

Because the people's economic consciousness is very strong, so investment and financial management has become an indispensable and important work in people's lives, but if you want to obtain a higher expected annualized return from investment and financial management and achieve the goal of financial appreciation, then you must choose the right investment method and financial products, otherwise it will inevitably have a serious impact on investors.

Nowadays, many young people choose to use financial management to accumulate more funds for themselves, but in terms of financial management, young people's experience accumulation is still too little, and they have been avoiding detours in many cases. So what mistakes young people must not make in investment and financial management? <>

Nowadays, the Internet economy is particularly developed, and there are a variety of goods on the market, so that young people now have a strong desire to consume. However, for ordinary young people, their own income is not particularly high, and they do not have a particularly large amount of capital accumulation, but their own desire to consume is high, coupled with the comparison behavior in the circle, which can easily lead to excessive consumption and blind consumption among young people. For example, to apply for a credit card and use Huabei, when the funds are insufficient, use the credit card to pay, especially in the "Double Eleven" shopping carnival, young people see the activity of goods, buy a lot of things they don't need, and it is easy to brush their credit cards and Huabei to overdraft.

Therefore, for young people, excessive consumption and blind consumption will exceed their financial capacity, bringing various troubles to life and work. <>

Today's young people want to find a way to meet their consumption needs with fast money and more money. Therefore, when young people are engaged in consumer financial management, they often see those high-yield investment products, thinking that such high-yield investment products will definitely allow them to earn more money. But we all know that high returns must bring high risks, such as the practice of contemporary young people, only see the high returns brought by investment products and ignore its high risk, it is a very dangerous behavior, it is easy to produce losses, and most of the young people today have relatively small deposits, and there is no accumulation of risk-averse funds.

Therefore, once this kind of high-yield financial investment product loses, it is easy to fall into the dilemma of money. <>

Therefore, young people can choose a safer way to manage their funds when making financial investments. For example, keeping all your funds in the bank, although this way will not increase the value of your funds but can maintain their value, or experienced young people can also try some other financial products to earn their own income, but the premise is that they must have a thorough understanding of this financial product.

You must be rational when investing, and then you should also learn professional investment skills, and then you should also be cautious, don't be deceived, don't borrow money**, this kind of behavior is very unsafe, and it is likely to lead to bankruptcy.

Don't be greedy for money, don't blindly choose financial projects, pay attention to the accumulation of experience, but also learn to analyze, understand the situation of financial management, and pay attention to the scale of learning.

You can't overspend, you can't consume blindly, you can't have proof of income and expenditure, you can't keep accounts, you can't seek high returns.

At present, there are many ways for China Merchants Bank to invest in personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, etc., and the investment starting point of different products is different, and the corresponding risk level is also different. It is recommended that you visit our branches to consult the relevant advice of the wealth manager.

There is a lot of money to manage money, too lazy to keep accounts, saving money is financial management, not rewarding yourself, being greedy for small and cheap is financial management, these are common misconceptions of financial management for novices.

1. Wealth management again

If a person feels that he has money and then manages his money, then it is likely that he will not be able to learn to manage money in this life. Such a concept will easily make a person fall into "poverty", even if he has an income of tens of thousands a month, he is likely to be a moonlight clan. This type of person generally earns a lot of money when they are young and middle-aged, but has nothing in their old age.

So, if you want to learn how to manage money, you don't need to do your homework when you start having money, but start doing it the moment you want to start managing money. Even if you are just a student, you can learn about financial management. Because only by learning to manage money can you make yourself richer and richer.

Second, I don't want to keep accounts

If you don't keep accounts, your money will be gone soon, and you will be at a loss, not knowing that your money is spent on **, and you can't save money every month.

But if you get into the habit of keeping accounts, you will avoid things that you don't need to spend at all. And even if the money is small, it must be recorded in the ledger, even the money for a taxi, the money for a milk tea, and the bookkeeping can let people know that their money has gone, so that they can change their bad consumption habits.

3. Saving money is financial management

Although the ultimate goal of financial management is to make more money, not every money is reluctant to spend, all of it is saved, so it is called financial management, on the contrary, if you do this, there is no way to make money play its role.

Because savings is only a small part of financial management, financial management includes income and expenditure management, investment planning, risk rules and many other aspects, if you just blindly save money, then you can only live a frugal life, and the financial benefits will be greatly reduced.

Fourth, don't reward yourself

You must know that the ultimate purpose of money is to spend it, and if you blindly save money and do not reward yourself, you will not be able to enjoy the benefits of money, so it will be easy to manage money or lose the motivation to make money.

On the contrary, take out part of the money you manage to reward yourself, so that you can truly appreciate the benefits of money, only in this way can you make financial management easy to go on, so that every penny of your money is to prepare for a better future.

Fifth, greedy for small and cheap

When something in the supermarket is on sale, I buy a lot of it and go home, feeling happy that I have taken advantage of it. In fact, it is not the case, this time it may save dozens of yuan, but it may also make these things expired and not used up, at this time, you will lose the ** that bought them at that time.

Instead of dipping it every time you see a small bargain, it is better to make your living space better and more comfortable. Learn to keep what you need in the moment and let those things you have overhoarded out of your life.

Putting all the money on financial management, buying wealth management products, betting all your money to buy a product, and having the psychology of gambling are all wrong ways to manage money. We should use 30% of our salary as a financial management, so that it is more reasonable.

Put all your money into 1 financial project. In fact, in the beginning, many people will do this, but the result is that once they lose, then the money will be gone.