Eggs can t be put in the same basket, so how to choose a good investment and financial plan

There are many ways to manage money online, such as Yue Bao, Wealth Management Pass, and Zhaocai Bao, all of which can be, of which 9 are more than and two are less than 3%. However, recently, due to the policy problems introduced by **, the yield has been declining year by year, and generally speaking, the yield has reached about 7 days. In addition to these prudent financial management methods, ** is also a good choice, especially before 2007, but it is not recommended to follow up now; In addition, investment ** is also a good choice, the recent volatility is large, the benefits are good, but this is a high-yield and high-risk industry, provided that you follow the hard power of analysts to place orders.

Everyone knows that Yu Yu Bao was used this year, and it was indeed everyone's favorite during that time, but with the intervention of banks, interest rates continued to fall; It is recommended to learn more about related financial products and make more comparisons. The salary can be more stable, such as Yu Bao, which is more suitable. For example, the starting threshold for **** financial management is 50,000; Although there are a few thousand votes, it is not recommended by everyone, unless it is a master, otherwise you can't get rid of the 28 rule, and you can send money when you go in.

I hope mine satisfies you.

In fact, this should be understood from the other side, if at the same time**two**, one**10%. The other **10%, this investment is actually unprofitable.

Don't put all your eggs in one basket This investment philosophy is a wise saying in the investment world, every investor should abide by it, no matter which set of investment theories they hold, don't give up this golden sentence, let it be integrated into their subconscious, no matter when, they must abide by this principle.

1.Eggs are prone to breakage, and if you put all your eggs in the same basket, if you accidentally knock over the basket, you may break all the eggs and not leave one intact. Therefore, it is relatively safe to put the eggs in many baskets, and if one is overturned, even if all the eggs in one basket are broken, the eggs in the other baskets can be preserved intact.

Applying this adage in the investment market is all about diversification.

2.Soros's investment methods are very complex, rigorous, and dare to take big risks, which is a contradictory collection. However, it is possible to magically blend the two styles, always yielding extremely good returns on investment.

However, it can also control losses prudently, and can stop losses in time when the market is wrong. On the other hand, Soros can not only concentrate his financial resources on investment projects with confidence, but also understand the value of diversification, and will not cause large risks due to too concentrated investment. Don't put all your eggs in one basket", Soros believes that this is the wise saying of the investment market, and it is the supreme golden sentence.

3.For the entire investment market, it is necessary to disperse funds in the interest rate market, the first market, the foreign exchange market, the real estate market, the first market, the futures index market, etc. For individual markets, it is to spread funds across many different regional markets.

For example, in the market, you can invest funds in Hong Kong, Tokyo, London, Wall Street, etc. For a market, diversification is to invest funds in different companies.

Extended Information:1Concentrated Investment:

Investing is a sensitive topic, but someone has written a book on it, "Concentrated Investment", which is subtitled "The Investment Strategies Advocated by Warren Buffett and Charlie Munger." The book is similar in style to Kirko Kagyaltsen's "Wall Street Financial Predators", featuring eight prominent investors, introducing methods of concentrated investing, and summarizing common characteristics.

Many of us like to manage our finances through **, but there will be risks in financial management, we are just ordinary people, it is impossible to do risk-free financial management, what we can do is to do our best to reduce our own risks, so what methods can we use to diversify risks when we usually manage money.

First of all, we have to do a good job in the allocation of property, don't buy all the money to buy ** in order to pursue high returns, because the risk of these two ** is very high, and the volatility is also very large, so in order to reduce the risk, we can adjust the position, 50% of the funds buy the mixed type with high risk and **round type** to pursue returns, and the remaining 50% can be used to buy bonds or currencies**, although the returns are relatively low, but the same risk is also low. Rarely, there is a large ** situation.

We**investment buy** should also be divided into types, don't sell a lot of **, but are the same type or heavy positions in which there are a lot of overlapping types, so that once this type of **appears large**, is the reed limbs of our **will**, buy a few more **types can also slightly reduce some risks, but in the event of a bad situation, there are few**can not do**. And our funds should not be invested all at once, we can invest in batches or fixed investment, because the ups and downs are normal, and there may be a better time to enter the market than now, we have to keep some of the principal to facilitate our timely replenishment to reduce our losses. And the money we invest in the world must be the money that we can't use in a short time, this money can't affect our normal life, otherwise once ****, our lives may also be greatly affected.

We not only have to reduce the risk of investment, but also have a certain tolerance, in the face of **** can not panic, to do a reasonable financial planning, and then to learn more financial knowledge to accumulate experience, when we are more experienced, the more skilled in the face of risk handling.

First of all, it is to buy a few more stable ones at the same time, and do not invest too much money at one time when you buy **, you must be distracted, and you also need to understand the benchmark value of this **, you can buy it in installments, and you can also invest in different areas.

It is necessary to reasonably divide the assets into fraudulent group sales and allocation, choose the highest purchase with relatively high returns, and also pay attention to the situation, and also choose a reliable matching platform, which will be rented in advance to predict and try to avoid these risks.

First of all, we must do a good job in the allocation of property, do not buy all the money to buy high returns in order to pursue high returns, because the risk of these two types of ** is very high, and the volatility is also very large, so in order to reduce the risk of repentance, we can adjust positions, 50% of the funds to buy high-risk hybrid and Qi Hui ** type ** to pursue returns, and the remaining 50% can be used to buy bonds or currencies, although the returns are relatively low, but the same risk is also low, Rarely, there is a large ** situation.

The accumulation of wealth has always been a goal that ordinary people strive for. In terms of salary-earning class, his main income is his salary, which not only maintains the general life of the family, but also allows him to do many things well if he plans well, such as buying a house, buying a car, traveling abroad, and saving for his children's education, ......If you have an investment vision, you can also engage in various business investment gaps and earn profits.

Plan personal finance as a "personal business", use some business management concepts, and properly manage your limited funds, and you will slowly find that you have the enjoyment of "running a business". Because from the implementation of the plan, you can analyze the gains and losses, avoid mistakes, such as the right vision, it is not impossible to earn a considerable wealth for yourself, such as many salaried people, from real estate, **.

"Be invincible" is to pay attention to at any time in personal finance, the minimum cost of living is indispensable, such as too many loans, loans, taxes, etc., the funds can not be turned, it will hurt their own anxiety, in addition to investing to avoid putting "all eggs in one basket" so as not to "lose everything".

Nowadays, there are many projects that can be invested in the society, not only in China, but also in many foreign companies to come to Taiwan to "pan for gold", and the investment channels have been dazzling. It may take several years for the salaried class to save hundreds of thousands, so don't invest blindly. "The defeated army fights first, and then wins" If you just watch the advertisement, you don't care about the "bet" of 3721, and you may regret it in the end.

Therefore, we must first understand the situation, investigate the "credit", and expect to make a profit before we can invest prudently.

In Warren Buffett's investment career, he has always adopted a concentrated investment strategy, concentrating most of his funds in a few excellent companies at all stages, "I don't invest in 50 or 70 companies at the same time, that's the traditional investment method of Noah's Ark, and in the end you will be like opening a zoo." I like to focus on investing in a handful of businesses with the right amount of money. In fact, it is these few ** that have brought him the most investment profits.

Modern portfolio theory advocates diversification, i.e., "don't put all your eggs in one basket" as a way to reduce investment risk, but Warren Buffett opposes it, arguing that a concentrated investment strategy is the only way to win. "Our investments are focused on just a few outstanding companies, and we are concentrated investors. He said.

British economist John Maynard Keynes had a great influence on Warren Buffett. Keynes is considered a master of the investment field, and he once said that he invested most of his money in a few companies, and he was well aware of the value of these businesses. Warren Buffett accepted Keynes's ideas and adopted a strategy of concentrated investment, which was to invest only in a small number of companies that he knew very well, and intended to hold them for the long term.

It is precisely because Buffett has always adhered to the principle of concentrated investment that he and Berkshire have reaped huge returns. In fact, Warren Buffett's success is mainly based on the success of 9 large investments, rather than on the diversification of the bulls. He said investors should assume they only have one investment decision card in their hand that can make 20 holes.

Every time you make an investment, punch a hole in the card. Conversely, the number of investment decisions that can be made is reduced by one. Warren Buffett deduced from this:

If investors are really constrained by this, they will wait patiently for the great investment opportunity to arise and will never make a choice lightly. Then, concentrated and long-term investment is the inevitable choice for investors.

From the point of view of financial interests, Buffett believes that the long-term and concentrated holding strategy he adopts is easier than the investment method of grabbing and diversifying. For example, Warren Buffett said: "If we make a dollar investment that grows 1 times per year, if we close the first year**, our net income is $0 66 (assuming a progressive tax rate of 34)."

If we continue to invest at the same rate every year, and keep paying taxes, and then turning the earnings into investments, after 20 years we will make a profit of $25,200 and pay a total of $13,000 in taxes. But if we had bought this one-dollar investment, which grew twice as much every year, and left it in our hands for 20 years, our total return would be as high as $692,000 and the tax we would have paid would be $356,000. If we concentrate our funds on these, the profits will be even more generous.

Recognizing the advantages of long-term and concentrated holdings, Warren Buffett attaches great importance to long-term and concentrated holdings in his investment career.

Personally, I think the phrase "don't put all your eggs in one basket" is telling us to diversify our investments. But all the successful bigwigs are investors who hold concentrated shares. Moreover, the premise of concentrated investment is careful stock selection, and it is best to concentrate on investing in companies with the least risk.

Personally, I think that when investing, don't put all your eggs in one basket, which means that when we choose to invest, we must diversify our investments, and we should concentrate on investing in the best companies, focusing on the companies you are familiar with, and focusing on the companies with the least risk.

It means to broaden the ways of investment, do not concentrate capital in one **, and prevent the total annihilation.

One is to diversify the risk and the other is to concentrate the returns.

There is a problem of degree, that is, how many eggs there are, if there are less, you can only put one basket, and if you put more eggs, the risk will not increase if you put them in one basket, so put them in a few more baskets.

Emphasized, don't put your money in a single Chinese market!

This is risky, if all financial management is placed in the same industry, then it will be a profit and a loss together, which is very risky.

It is said that "don't put all your eggs in one basket" in financial management, which is a metaphor. Compare money to eggs and ** to baskets. If the "basket" is broken, the "eggs" will be broken, and the bamboo basket will be empty. Therefore, it is necessary to divide the "basket" side, so as not to wipe out the whole army.

That is to say, the type of investment should be diversified, and the allocation ratio must be appropriate, such as **type**, bonds**, **, and financial products can be invested a little, so that the risk can be diversified.