What do you live on in the capital market?

Tang Jun, the top ten group loan network in the online loan industry, is headquartered in Dongguan, Guangdong. It is controlled by Dongguan police, with 220,000 investors and a capital scale of nearly 654.38+0.5 billion. Thunderstorm explosion to the head platform is absolutely unexpected. The capital market is like this. Nothing you can't think of is always full of all kinds of accidents. Personally, I still have about 10 thousand funds My first reaction after seeing the news was to suspend the automatic renewal. The next step is to withdraw every sum of money when it arrives. At the same time, according to the police uncle, honestly defend rights.

It has long been a cliche to say that the online loan industry is thunderous. But this equivalent really needs to be digested for a while. However, judging from the actual rate of return, it is not surprising. Because it is impossible to achieve an annualized rate of return of more than ten points for a long time. We must know that the risk-free rate of return in the capital market is an anchor, and no one can escape its traction. To be a quantifiable standard, we generally choose the annualized rate of return of national debt, which is about four points. For market experts, they tell us with sophisticated experience that 6-8% is the scope of efforts, and higher is really a skill.

In other words, if you don't have any skills, you can still get more than ten points of annualized income, then you are joking with your principal. No, the group loan network came to remind us. Common sense is knowledge that people often ignore. Because the desire of human nature is really terrible. Coupled with the rapid development of the domestic economy, people are impetuous, and it is inevitable that some big fluctuations will occur. However, as a person responsible for his own assets, it is better to be cautious, otherwise long-term compound interest of funds cannot be established. The place where investment can finally win lies in the continuous compound interest effect.

2. Stock market

The core of the capital market lies in the stock market. As the vanguard of fixed income, the above-mentioned P2P online loans are very eye-catching. Among the equity varieties, the main force is stocks. But it is not easy to make money in China stock market, for the same reason. We can't jump out of the vicious circle caused by greed and fear. Even for most people, not losing money is a miracle. And most people play the role of being a leek when the bull market comes. Then in the bear market, forget it, or have time to scold it.

Because this is a place where a person's funds are easily swallowed up quickly. Compared with the online lending platform, the stock market really has no place to find police uncles to defend their rights. Looking at the slogan "The stock market is risky, you should be cautious when entering the market" everywhere, but no one reminds you. This is another common sense, but few people really know it. Otherwise, who will save the next bull market? Still a leek. It is good to say that the cruel stock market erodes funds, but it still insists on torturing people's psychology, emotions, life, work and family. In short, stock trading makes many people's lives worse than death.

Therefore, it is really a good question to survive in the capital market. Be careful! Respect common sense! These seem to be far from enough. Anyone who has a little idea and a certain interest in the stock market has to go through one or two bull-bear conversions. The process must be deeply understood. In the last twenty years, it is possible to become more mature. Very few talented people may have been exposed to some financial environment at home since childhood, and the time for getting started may be shorter. Unfortunately, these are not comparable objects.

At present, with the outbreak of a wave of market in February, many people are angered. But as of last night, it seems that the rise has lost momentum, but turned around to find support. As for when to start again, this is something that many people stare at. When they are impatient, they will also look at the predictions of the great immortals to comfort them. But in fact, the stock market is unpredictable. A better strategy is to plan your next step according to the forecast. The most obvious strategy is to raise it to the strategic level, to the height of ideas and values, and the road to investment will be long.

3. Housing market

In our discussion, buying a house can make money and make a lot of money. I want to say that this may be gradually becoming a thing of the past. The turning point of time may be the last year or two, and it will become clearer and clearer gradually. There is a simple reason. The position of house price is too high, which is a trend that needs to be adjusted downwards, in the world, in our economic income and in the cycle of real estate itself. The country is also deeply aware of this problem, so it is necessary to "live in a house without speculation". It is one thing to consider ordinary people, and more importantly, the safety of funds cannot be neglected.

As shown in the figure, a series of killers, such as restricting purchases and loans, have been used, and the approval from the bank funds to the government has been tightened. In the market, more and more people wait and see, and at this moment when they want to sell their houses, they are secretly crying. You know, when you buy it, you have three or four times leverage, that is, down payment and mortgage. But if the house price fluctuates by 20 points, it will be enough for them to have a good drink. If unfortunately, I bought it at a higher level (you know, the high-level transaction volume is the largest, not in a few), then I want to jump off a building.

In addition, the cycle of real estate transactions is very long, from the intention to buy a house, to the house, the deposit, the formalities, and the house collection, three to five years is fast. There are too many uncontrollable factors in this process, such as the change of bank policy, the escape of developers, the quality of housing and property problems. In fact, real estate investment is full of problems. Without two brushes, this money is really hard to earn. Especially the post-90 s who just grew up. In terms of cost, all kinds of transaction taxes and fees should be superimposed, which is also what buyers need to worry about. As a result, the current novices do not survive well in the housing market of the capital market.

Novice, who has never experienced the sufferings of people before 1980s, has little personal experience of the great changes in real estate, and doesn't know much about the actual national conditions of China. Therefore, it is not easy to survive in the housing capital market. Of course, every place has its own difficulties, just as different families have different sorrows. Going north to Shenzhen and so on is a problem you can't afford. There are too many pits farther from home. The second and third lines in the middle are really not strong, but the situation is embarrassing.

4. Buffett (male name)

There are many solutions, but few of them work. But no matter how good it is, you still have to study and practice by yourself. The best way to learn is to continue to learn from the top great people in the industry. Although it may take time to understand, it can guarantee the correctness of the most critical direction. Only by standing on the shoulders of giants can we see further. As long as you persist, it will be easier in the future. It's almost like going to college. In the early stage, huge energy support is needed. After forming good habits, it will become more and more moist in the later period.

The best person in the capital market, if Buffett claims to be the second, no one dares to say that he is the first. So the learning goal is very clear. In the process of watching Buffett myself, I have also been reaffirmed by countless top experts in the industry. Even, many people made a direct statement, first reading his old man's "Buffett's Letter to Shareholders" for 20 times. Then there are smart investors, securities analysis and so on. After reading it, I pondered and understood it myself, applied it to investment practice, and enjoyed the happiness brought by rising funds.

Back to the topic, how to survive in the capital market. Simple, but also invincible: don't do it if you are not familiar with it, and stick to your own ability circle. Further refinement, there are probably two types of people. The first is ordinary people. The most suitable investment method is index fund (ordinary people should not play with high-risk products such as stocks and online loans). The second is professional investors, who want to buy enterprises, not stocks; Buy a great and excellent business model, take lasting high profit as the only indicator, and don't speculate on conceptual themes; The price you buy must be reasonable. If it is high, it is a risk. If it is low, you should thank the market for giving you a lot of opportunities to eat.

Only by doing it for a long time and building your own moat can the protection fund produce long-term and stable growth. In another decade or two, the results will be very obvious. What was achieved at that time was not only the degree of financial freedom, but also the meaning of time and life. People will survive after being honed in the capital market, and will be changed from the inside out because of survival. This is the charm of the capital market, which evolved from the real economy, but detached from production in form. However, the ever-changing laws of human nature, business logic, mathematical principles and so on. , is the evaluation index of the survival of some dramas. Are you ready? The next storm may be your position. When you have nothing to do, make more complicated quotations and have a good look.