Novice beginner investment, I hope which friend can give some advice

In fact, the assets of ** are not in **company**, but in **'s custodian bank, **company only has the right to manage funds, and can use funds to buy and sell**** and so on, but there is no way to directly withdraw the money and roll it away. If the funds are misappropriated, the custodian bank is solely responsible. So you don't have to worry about the ** company going out of business, and you won't get the money back.

But on the other hand, it is indeed possible to lose money all the time, and in the end, you have not been able to make money and have been losing. It's hard to say. But basically, there are very few ** who can lose for that long time.

It is generally said that if it rises more, it will fall some, and if it falls more, it will rise some, and in the end, the overall price will rise some.

It's just that you don't have too much time, only two years, and the possibility of losing money for two years is not very small. And two years is such a short time, it is not suitable for the backend, and the backend needs more than four years to be beneficial. You might as well take a look at the back-end rates and compare them to the front-end to see it.

It's still for you. Not because you can make money immediately, but because it is the most suitable investment for ordinary investors. In the future, you will only invest if you have a financial mind**, so you might as well start getting used to it and getting familiar with it as soon as possible.

If you are more afraid of risk, you can not buy high-risk at first, you can consider bonds**.

First, regular investment is not to save money, because investment is risky and there is a possibility of loss, and you have to deduct the subscription fee every time you make a regular investment. Second, how long do you mean by long-term? Generally speaking, if the regular investment is long-term, it will be at least ten years, ideally twenty years, or even longer.

How many years do you want to invest in the plan? What is your target rate of return? You also need to think about how much you can afford to lose.

Third, it is an investment method for the company to raise funds and use the portfolio to diversify risks, and the funds are managed by commercial banks with custody qualifications, and the company cannot touch the money, they only charge management fees, and commercial banks charge custody fees. Fourth, facing different markets, there are **type**, bond**, money market** and hybrid**, QDII**, ETF, LOF and so on. First understand the current macro economy, market conditions, and capital before deciding the investment direction.

Finally, the fifth point is that investment needs to be cautious, and there are risks in entering the market.

The trader is a key factor in trading, acting as an intermediary to execute trades in the market on behalf of the trader. However, choosing the right broker can be difficult, especially when you don't know what kind of broker to look for. Moreover, there are many fake fraud platforms in the market, which makes it more difficult to choose a platform.

Regulation

In order to protect your funds, you first need to choose a regulated broker, which is the first and most important step in choosing a broker.

Most of the time, a licensed broker will provide traders with a better trading quality and trading environment, as traders can go to the regulator to complain about the broker. Conversely, unregulated brokers are too risky to avoid.

So how do you distinguish between regulated and unregulated dealers? It is not difficult to distinguish between the two by various regulatory bodies around the world that can inquire whether a broker is regulated. In addition, you can also go to Huichacha to inquire about the platform's regulatory information.

Transaction costs

The main income of the trader is commissions and spreads. The spread is the difference between the bid price and the bid price. For traders, the level of these two items means the level of transaction costs, that is, the size of profit margins, so they are one of the important reference factors for choosing a broker.

Investors should also understand its reputation within the industry when choosing a broker, which can be understood by looking at the reviews of other users. In trading, it is a process, a learning process, and an experience process to establish the correct trend trading concept, to form a trading system, to specific rules, and then to put them into practice, and constantly restrain their own human nature.

If you are a novice investor. Personally, I recommend that you buy treasury bonds or buy some currencies **, which is actually relatively low.

For novice investors, if you want to invest, it is best to choose a relatively low-risk ** to give it a try.

For novice investors, if you want to manage your money very simply, then you have to give up high returns, because people will never earn money beyond their own knowledge. Therefore, if you want to make money in the wealth management market very simply, you can only save for regular financial management, or buy some safe financial products.

If you want to pursue stability, then you can only save for a fixed period. Nowadays, many banks have fixed term business, and if you have a large deposit amount, you can also apply for a large certificate of deposit, the interest rate will be higher, and you can get a lot of interest.

If you want to go a little further, there are many investment and financial management software that support that kind of financial product. There are many financial products that are around the annual rate of return, and buying these financial products can ensure that your money can be returned as much as possible.

If you want a higher return, you can choose to buy some bonds. However, in the pursuit of high returns, there will be a high-risk debt base, there are some equity-biased debt bases, as well as pure debt bases, the safety factor of the pure debt base is greater than that of the equity-biased bond base, but the partial equity bond base may make more money than the ordinary debt base, so how to choose depends on your choice.

If you can tolerate higher risks and want to get higher profits, then you can choose ****. In general, as long as the manager performed well in the previous bull market and bear market, then we can think that the manager will perform well in the future, we can choose these managers, and choose the way of regular investment as much as possible when buying, because the risk of regular investment is less than a one-time purchase.

If you want higher returns and can take higher risks, then you can also try to climb in the middle of the **. However, it is very necessary to have skills and mentality, and it may take a long time to learn to be able to really make money in it.

If you have spare money, you can deposit it into the kind of currency that can be accessed at any time in some financial management software**. We can pursue the income of the money we usually spend, but the interest on the currency ** is very small.

Therefore, for novice investors, they should decide which investment products they want to buy according to their risk tolerance and the proportion of returns they want to pursue, including bank fixed deposits, ordinary wealth management products, bonds, bonds, and products. Of course, when investing, investors should make independent decisions and bear risks independently, this article does not constitute any investment advice, I hope investors can think clearly about their own needs, and then choose to invest.

The first point is that when investing, you should pay attention to some of its specific requirements are very important, the second point should pay attention to some relevant roads, do not fall into the set, and the third point should pay attention to the corresponding laws and regulations are stipulated.

Don't be in a hurry, you can't eat a big fat man in one bite. Don't put money in one basket, that is, save part of your own funds as an emergency fund, and invest the rest of the money, even if you lose money, it will not have much impact.

Save money, save a lot of money, choose an investment framework and stick to it, read annual reports, conduct a comprehensive evaluation of the company, read new books about investing.

You can invest in learning technology, the catering industry, and Chongqing food are very good.

You can find someone to take you and pay attention to the way.

The most basic ones:

1. Find a suitable project according to the actual ability of the individual, and the ability to bear the funds and the ability of the individual to resist risks need to be taken into account;

2. It is recommended to invest in small projects, practice in the early stage, understand the market, and accumulate some experience;

3. If you want to join the project, it is recommended to cooperate with well-known brand enterprises;

1. Deli

Investment amount: 1-30,000 yuan.

The delicatessen only needs a 15-square-meter house, and the amount of money spent on store rent, decoration costs, halogen appliances, halogen car devices, freezers and other equipment in the early stage is more, and the general investment is about 1-30,000 yuan. The monthly operating expenses of a delicatessen are generally around 5,000 to 10,000 yuan, and then 1,000 to 5,000 yuan after deducting labor costs. It is best to open in a large place, a farmer's market specializing in non-staple food, and a residential area on the street.

Variety of categories should have their own characteristics.

2. Battery car charging pile

Investment amount: at least 2,000 yuan.

In the context of national policies and market demand, battery car charging piles are a small project worth investing in. Free of franchise fees, you can become a franchisee by purchasing equipment, and put the equipment in the community, school and other places to earn profits by earning user charging fees, the fastest 3 months can be the best cost, and the sustainable income is 5 years. The whole process from the installation, on-line, and operation of the equipment is assisted by the manufacturer's technicians, and there is basically no difficulty.

All devices are connected to the Internet, and only a mobile phone is needed to view the details of income, the number of cars, etc., so you can control all the information without leaving home, and you can make money at home!

3. Small snack shop

Starting a small snack shop is also a good choice for young people, operating a small snack shop can choose some snack products that are more popular in the market, in order to ensure the diversity of products, dried fruits, puffed food, spicy food, imported snacks and so on can choose some. Small snack shops need to pay attention to the location and decoration, and it is best to choose the location of the store in a large place, which can be near the vegetable market, near the community, near the shopping mall and other places. When decorating the store, it is best to use some bright colors, and the decoration style should be as literary and fresh as possible, so that it is more popular with young consumers.

Any investment project has risks, do a good job of market research in the industry before investing, as long as the market is good, you are not afraid of no money.

It is necessary to pay attention to choosing industries with good development prospects and make a decision after conducting a series of inspections.

It is recommended to open an animation store, the animation industry is now a sunrise industry in China, and it has also been supported and developed by the state's best preferential policies, and the prospects are very good. And with the introduction of excellent animation and the rise of Guoman in recent years, the number of domestic animation lovers continues to grow, and the demand for animation peripheral markets is strong.

First of all, you need to understand the investment process for films.

Second, you need to know your risk tolerance.

Also, choose the project that interests you more.

If you are interested, you can try the film project, I am in the film industry, and the current film market is a bonus period.

Risks and opportunities coexist, and any investment starts with understanding the investment process.

1. Understand the meticulous project.

2. Do enough risk assessment.

3. Choose a professional team or platform.

4. Understand the rules of dividends in the later stage.

How should newbies invest and manage their finances? When you first step into the financial management industry, you have insufficient financial experience and lack of understanding of financial products, so there will always be such and such problems.

First of all, it is best for novices not to touch the field of financial management that they are not familiar with. Many investors do not know much about collectibles investment, gold coin investment, investment, foreign exchange investment, investment and other fields, but seeing that these investment methods are expected to have high annualized expected returns, many people invest, and they follow the investment. The consequence of this can only be a loss.

Before buying a wealth management product, we must do a good job and fully understand the wealth management product we are going to buy.

Also, keep enough money for your family. When we invest in financial management, we must avoid risks, and we must leave a good way out for risks. How much capital to do with the matching asset allocation, such as borrowing money, leverage allocation is not advisable, once the investment fails, not only lose all the money, but also bear huge debt pressure.

For example, in the setting of family asset allocation ratio, it is necessary to set aside enough family reserve funds, which cannot be used for investment.

Finally, don't put all your eggs in one basket. Investing needs to be diversified so that you don't lose a lot of money if you fail to do so. When investors carry out investment activities, they learn to allocate funds reasonably to diversify investment risks.

For most people, they usually have not been exposed to some investment products, and when they are just involved in such a field, they usually feel that how to choose investment products is also the key to their next investment. So at such a level, for a novice investor, you must first be in a wait-and-see trend when choosing investment products. Because after all, for myself, I have never invested before, so I must have no experience at all.

You need to learn the relevant knowledge.

Then when we are waiting and watching, we can see some investment veterans, what kind of concepts and conclusions they have about investment. After waiting and watching some more reliable people, we can choose some ** or ** that we are more optimistic about. Because for such products, it is indeed able to enrich our own self-reliance, so that we can learn a lot of things when investing.

When choosing such investment products, it is best for us to choose some products with more potential, and such products with more origin will be tapped in a long time. <>

It's best to be able to make regular investments.

Compared with some products that will skyrocket in a short period of time or are **, don't involve them. Because at the beginning of the investment, we do not have the ability to control the whole product, then at this time, it is likely to cause many problems when we invest, which will make our own funds go down the drain, which is not a good practice for ourselves. Therefore, we need to choose some more reliable products, and one thing to do well is not to invest a lot, but to be in a state of regular investment, so that we can get better returns.

Investment also requires us to accumulate more experience by ourselves, and when we first invest, we should be conservative in choosing investment products. You can't just get into such a field and throw all your money into it, which is a very bad aspect.