big financier

Chapter 40

Although Pei Guangwei doesn't know anything about finance, he doesn't have the slightest desire to learn, which is very similar to most people.

It used to be the same with Zhang Zuguang, but recently he has gradually started to think about it. To be honest, Pei Guangqian can clearly see his progress.

As for the fixed investment in funds that Pei Guangqian said, when Pei Guangwei just graduated, because he had no place to spend his salary and could only save it in the bank, he accepted the recommendation of the financial manager and made most of his savings into fixed investment in funds.

When I first started serving, I had very little time and no worries about food, drink and clothing, so how to manage finances was a difficult problem to solve.

But Pei Guangwei chose the fixed investment fund.

This is a huge pit.

Buy something every month, no matter whether it goes up or down, keep buying, and sell when you make money. This is the best investment method for lazy people.

Of course, it is also the best leek to cut, not one of them.

The financial market is changing rapidly, how can lazy thinking adapt to this land.

Assuming that a target fund keeps buying every month, and its net worth must be able to maintain high growth year after year, so that this investment model can guarantee to make money, why not buy it in full at the beginning, and pay it in installments?
In fact, this kind of fund that has maintained high growth year after year does not exist at all. Investments based on this model will end up with losses in most cases.

However, in the stock market, there are always stocks that have gone out of the big bulls in the long run.

The reason for this is that other listed companies continue to create benefits for the society and have not forgotten to give back to shareholders. This is a win-win situation.

Fund fixed investment is very difficult to achieve a win-win situation. The periodicity of the financial market determines that this is an unattainable goal. Those fund managers have a deep understanding of this point, so according to Pei Guangqian's understanding, this is a huge pit.

Instead of sacrificing in the fixed investment of funds, it is better to dig out a stock with high growth potential, such as the target of Wugu Wine that Pei Guangqian just came into contact with.

Although Pei Guangqian is not currently buying this stock, because what he is pursuing now is rapid growth. Once his capital reaches a certain scale, if he wants to maintain a high return in the stock market, he still has to separate part of his assets and go back and choose something like Such a target as grain wine.

After all, Pei Guangwei didn't believe him because Pei Guangqian didn't have any achievements. Just a few 10 yuan was really not much to Pei Guangwei and his relatives who were neither rich nor poor.

We still have to seize the time to prove ourselves and fight for others. Pei Guangqian believes that one day he will impress them.

It is easy to understand why winners and losers.

Seeing Pei Guangqian and his brothers arrived home, mother Liao Shuling was very happy and quickly reheated the food for them to eat.

"Where's my dad?"

"He went out, someone called him and asked him to go." Liao Shuling replied casually.

"Who is it? It's not like buying some zodiac lottery again. When I came back during the Chinese New Year, I saw a string of numbers sent to him on his mobile phone. After ten years of losing like this, he still doesn't stop." Pei Guangwei mentioned This dad doesn't get angry at all.

Pei Guangqian smiled without saying a word.

They were halfway through their meal when Pei Dafa came back and said, "Shuling, I won't be at home for dinner tonight. A friend asked me to eat at his house."

"Don't drink with people again."

"I never drink with anyone. I never go out for more than one drink now." Pei Dafa argued with a red face.

Except for Pei Guangwei, the names of this family are all weird. Liao Shuling has never been involved in such things as finance, but the father who named her is a welfare lottery fan, and he can study people for half a day all day long.

Both Pei Dafa and his father like to participate in money games, and those who lose big and those who lose nothing come together, so Pei Guangqian successfully inherited their fine traditions. Fortunately, he set things right and put all his thoughts into finance. field.

Pei Dafa, who had just returned, left before Pei Guangqian finished his meal. He originally wanted to teach his father a good lesson, telling him how stocks were different from the money games he played.

"Guangqian, are you focusing on stock trading now? This kind of thing is not practical, and it is not a solution after all."

"Mom, it's okay. I maintain a high winning rate every month. It is said that I have nine losses in stocks. I checked the income ranking in the software. I have always exceeded 90%. Don't worry."

Liao Shuling didn't know if she understood this, but Pei Guangqian took some cash out of his bag and handed it to her.

There are more opportunities for Pei Guangwei to come back. He usually subsidizes his family, and he also left in a hurry and was unprepared, so he didn't bring much cash this time.

"I don't need to spend any money at home. Besides, I still have savings. You have to pay for the building yourself. Keep it for yourself."

"I have already brought them back. Who still uses cash now? You should be able to use it at home, or you can deposit it in the bank."

"Yes, since Guangqian brought it back, Mom, you can accept it. Anyway, just don't let my dad touch the money." Pei Guangwei echoed.

There was only 1 in cash. Although Liao Shuling accepted the money, she didn't seem very happy.

They have always been the ones giving, even though Pei Guangqian and the brothers have been out of society for several years, she still treats them like children.

"Anyway, you must pay more attention to yourself. I don't think this is the way to live."

"I'll just say he's almost like my dad now."

Pei Guangwei still spoke like this, thanks to the fact that Pei Guangqian is currently profitable. If there is a real loss, I really don't know what he will say.

This kind of reminder is really well-intentioned. Maybe only your family members really care about you. Of course, people in the stock market often don’t listen to these advices.

The more profitable people are, the more they ignore risks, and the more people who lose money, the more they ignore the potential huge profit space.

Often in a single thought, a mistake is made.

These are all manifestations of not being strong enough psychologically, and it is human nature, and Pei Guangqian thinks he can overcome these common problems.

Later, he actually found out that he couldn't either, but this also made him sum up something more useful in his failure.

In addition to these risks, there are also systemic risks in the financial market, which are economic downturns and the decline of all industries.

Under such circumstances, the stock market is the most vulnerable. Of course, some people will choose to short, but this is not the best way. This kind of thing has many disadvantages, and there is nothing to talk about.

Anyway, if there is a systemic risk, everyone can't be alone. Pei Guangqian once had a deep understanding when he was in college.

(End of this chapter)