In the last month of 2023, my worldview has been refreshed again.
Guangzhou Fangcun "financial tea" thunderstorm——
A fledgling post-00s young man cut hundreds of tea merchants' leeks from ** Lake.
What's going on?
What is financial tea
As the saying goes, everything can be financed.
"Financial tea" is a kind of tea that can be used for investment speculation.
The origin is not important, the quality is not important, the value is not important, the important thing is that after it is packaged, there is room for appreciation, and there are investment attributes.
How do you play it?
In order to let the tea bosses enter the game, the game setter will pull a group.
The first trick is to blow it.
They will claim how rare and precious those teas are.
Of course, there is no basis for empty words, and we have to move on to the next step.
The second trick is to rely on acting.
The set-up will find a lot of sailors to act, and they will play the myth of creating wealth.
For example, some tea, which was just launched for 2,000 yuan, was bought by the water army;
After a while, it will be used for 5,000 yuan**.
There is also tea, which has just been launched for 10,000 yuan, and the water army bought it;
After a month, it was used for 20,000 yuan**.
Such dramas are played out every day, and people make a lot of money every day.
Gradually, some tea owners couldn't help but be moved.
A taste of sweetness, eh, is it real?
Continue to buy, buy, and keep pushing up tea**.
Everyone earned a lot of money, counting the money until their hands cramped.
Then, the third trick came.
* The manufacturer of tea suddenly stopped the repurchase action and ran away with the money.
The tea that soared to 50,000 yuan, and suddenly no one took over it, and it collapsed and fell back to two or three thousand yuan.
It's a ghost story.
The victims wanted to cry out and complain that they had been deceived.
But the person who set up the bureau said: We have not promised to buy back ......
Why are there always people who are fooled
These perennial tea businessmen have not seen this kind of routine.
But why did they choose to participate anyway?
Because the profit is big enough.
Because everyone has a fluke mentality, thinking that the last person who beats the drum and passes the flowers is not himself.
When reporters interviewed afterwards, some people also admitted that they had taken risks.
But they feel that the stronger the wind and waves, the more expensive the fish.
But I didn't expect that after eating too much fish, I would also become a "water fish" (a person who was deceived).
I think that behind the various thunderstorms this year, the victims have a common characteristic:
Reluctance to accept the real investment environment at present.
What good assets are there now
Most of the people who have more assets in their hands now get rich quickly.
They have witnessed GDP growth of more than 10 points for many years in a row.
They have also experienced the thrill of buying a home and being able to double it in a row.
Everyone seems to be Xi to the feeling that as long as you invest, you can bring high returns.
But I never thought that that era was gone.
What is the current investment environment?
Some people rushed into A-shares for many years, and when they saw that the income was -30% and -40%.
Someone's eyes were red, and they hurried in, but as soon as they entered, they fell again.
Someone emptied 6 wallets and got into the car to buy a house, and in less than two years, the down payment evaporated.
After experiencing the beating of the market, some people have sobered up, learned to adjust their expectations, and silently recited in their hearts "It's good if you don't lose".
So, what other good assets are there?
Real estate, does not count;
It doesn't count;
Bank wealth management does not count;
It doesn't count;
In my opinion, only those that can guarantee that they will not lose money are good assets now.
In the past, it was a matter of courage to accumulate wealth.
In the future, it will depend on cowardice to keep wealth.
Only the faint of heart will choose the most inconspicuous, but sufficiently sound tool to allocate assets.
For example, three-year, five-year periodsFixed Deposits
Another example is locked-in interest rate and lifetime compoundingEndowment insurance
Although they can only give people 2%-3% of the income, but when others lose 20%-30%, or even the principal is gone,You will discover how rare it is to have small but certain happiness.
So, stop dreaming about high returns.
Recognize the situation, and the right way is to protect the principal and interest.