This time, the person who saved the money won hemp

In 2023, the entire market will go high and low, and everything around me seems to be **, and cash is suddenly "valuable".

Housing prices, ** confidence, etc. are all rubbing upwards at the beginning of the year, but the second quarter began to turn around and adjust;

The market is holding on to the currency, and its expectations for the future are not as optimistic as they were at the beginning of the year.

First, let's take the house.

Although the housing prices have been weak so far, they are still in the trend as a whole, even in the core areas of Beijing, Shanghai, Guangzhou and Shenzhen.

This time the housing price has completely broken the traditional thinking of many people, and it has also extinguished the enthusiasm of the real estate speculation group leader.

According to the data of the China Finger Research Institute:

In terms of new housing in November, the number of new residential buildings in 100 cities was 43, an increase of 2 from October

In terms of second-hand housing, the number of second-hand residential buildings in 100 cities was 99 month-on-month, an increase of 1 from October, and the number of cities has exceeded 90 cities for 6 consecutive months.

Second-hand residential sales in first-tier cities** decreased by 14%, a decrease of 06 percentage points;Among them, Beijing, Shanghai, Guangzhou and Shenzhen fell month-on-month. 0% and 15%。

Data**: Middle refers to data creis

Don't take any chances with property hype!

The Ministry of Housing and Urban-Rural Development of the People's Republic of China has made a clear tone for the real estate industry in 2024, insisting on the positioning that houses are for living, not for speculation, and adapting to the new situation of major changes in the supply and demand relationship in the real estate market.

In fact, residents' debt ratio, income, population, urbanization and other difficulties also need more time to resolve, and real estate needs more patience to truly stabilize.

The official has shot the "three arrows" of real estate, and increased support for the real estate industry in an all-round way, and the real estate will eventually improve in the future.

However, the trend of real estate in 24 years is likely to be stable.

This is a natural law, and it is not subject to human consciousness.

Therefore, if you want to buy a house in 2024, you can wait, and you may be able to save several years of wages by buying a few months lateMust buy, in addition to the core school district housing in China, you can also broaden your vision and look at overseas school district housing.

As for honest workers, don't rashly increase leverage and bet on all your worth to buy a house beyond your ability, as you may lose your down payment if you are not careful.

It is still necessary to save money honestly, which is the safest.

Next, let's talk about the market.

* The charm of the market this year is indeed very great, and Hu Xijin can't help but open an account, and he wants to copy the bottom and make some money to spend.

Everyone saw the results.

Hu Xijin not only did not succeed, but also died stubbornly, I really don't understand 2900 points today, what are you afraid of?I'm still confident in the future, and I've reached the point where it's starting to be possible.

Listening to this, Hu Xijin accurately grasped every cool point of the shareholders, 2900 points of panic, Lao Hu is not afraid, and you don't have to be afraid.

Lao Hu is not stupid, and he still has enough way out for himself.

2900 points, **to the area of possibility**;The implication is that it is also possible not to **, not ** what to do?Did Hu Xijin slap his face?

This is the benevolent seeing, and the benevolent and wise seeing the wise.

Because people have said that if ** falls again, falling below 2800 points, if there is really that day, I am very likely to go back to increase leverage, and then continue to invest, I don't believe that **will go down indefinitely**.

Isn't this nonsense?!

**Of course, it can't be unlimited**, the key is** on leverage, it is possible to blow up and return to poverty once.

During the stock market crash in 2015, how many **account**10% were forcibly liquidated by the allocation of funds, and the account funds were cleared overnight?

Lao Hu, as an influential big V, can he not know the seriousness of this matter?

What's more, Lao Hu himself has lost 10% in just a few months, and he still said such things as leverage?It's either stupid or bad. (See image below).

Data**: Tao Shun Finance;Invasion and deletion.

* The performance of the market this year, not only the big V** network, but also well-known brokerages can hardly be said to be smooth, and everyone feels the same way.

According to a report in early 2023, CITIC, CICC, China Securities Construction Investment, etc., the top domestic brokerage research institutes are unanimously optimistic:

A-shares will return to the upward cycle, the Hong Kong market may have greater resilience, the capital is expected to improve, and the market will gradually get out of the stock game and welcome incremental entry into the market.

A year has passed, what is the market really like?

We will not compare with the NASDAQ in the United States and DAX in Europe, which are not only far away, but also developed countries

Take India and Vietnam next door, which are also developing countries, and the rise of A-shares is still not far ahead.

Leeks are trapped in a large area, lying flat very thoroughly, the market turnover has languished from trillions to 600 billion, and leeks have no strength to "speak".

The key information is not symmetrical;Shareholder tricks ** cash-out, public offering at a high level of issuance, etc., make the market game extremely tragic.

It is hoped that in 2024, the regulator will increase the crackdown on all kinds of illegal activities in the financial market, such as listing with illness, violating regulations**, financial fraud, etc.

As for 2024, it is foreseeable that the market will still be challenging.

Veterans, don't easily increase positions, don't gamble, don't think about stud** getting rich overnight, this is unrealistic.

Novices, those who can stop as soon as possible, and those who can not enter the market will not enter the market;The scythe is too fast, the leeks are too tender.

It's not easy to make money, don't mess around.

Finally, what should I do?

From the perspective of risk diversification, in addition to the allocation of existing real estate, we should also increase the allocation of products other than existing assets to reduce the correlation between assetsFor example, large-amount certificates of deposit, Yue Bao, etc.

In addition, from the perspective of the economic cycle, the Merrill Lynch clock tells us that during the period of economic stagflation or recession, we should increase the allocation of bonds and cashReduce the configuration **, goods.

All of this seems to point to cash-like assets and bond-like assetsIt seems to say, hi, in 2024, if you don't lose money, you will earn!

Can't get enough of it!