The economic downturn in recent years has caused many investors to gradually develop the ability to perceive risks. However, due to the lack of systematic knowledge, these ability to perceive risks are only based on superficial judgments, rather than scientific cognition, so many investment behaviors lack rationality. So in the face of ** losses, what are the problems worthy of our attention?
Properly assess the risk
In a recent survey report, only 10% of people will attribute the choice of wealth management products when facing losses. Most people attribute the reason to a sluggish market or inappropriate investment advice from others. When we are facing losses, in addition to the macro background, we also need to evaluate the selection of products, the combination of products and the timing of investment delivery. Whether we can correctly assess the risks we face when we lose money will affect our subsequent investment judgments.
Adjust the investment structure
There are many types of products on the market, and there are tens of thousands of public funds in the market alone. Since equity products are more susceptible to market changes, investors who lack professional knowledge and judgment are highly susceptible to market sentiment. It is also because of the lack of knowledge that many investors cannot correctly assess the risk level of themselves and the products they choose, and there is a behavior of purchasing across the risk level. This behavior will further magnify the risk.
Form a complete investment philosophy
After this wave of downturns, in addition to investing prudently, investors should also cultivate a complete investment philosophy. In addition to learning the technical judgment of the investment products, from a macro perspective, we first need to have a clear understanding of the composition of our assetsWhich are liquid assets and which are fixed assets, we need to clarify their composition. On this basis, we also need to diversify risks by enriching the investment structure and establish the concept of long-term investment, so as to ensure the safety of our funds more scientifically.
When investing, we must not only learn to look at the market form, but also make a reasonable judgment about our own situation. Only by forming a relatively comprehensive understanding can we make our investment behavior more scientific and effective.