Is it true that high risk must indicate high income, and low risk must mean low income? Please explain the reasons.

That's right.

the essence of investment is exchange. If you want to get something, you must exchange it with what you have, and you will get it if you give up.

Recently, the market plummeted, and a friend around me asked me:

I was fed up with the beating of the stock market last year, and I don't want to be a leek in 222!

can you recommend some products with high returns, low risk and good liquidity?

After all, children make choices, and adults want everything. ?

I just want to say: you are still too young!

Remember Brother Qin Ming's words:

If someone tells you about an investment, you can make a steady profit without losing money, and you can withdraw it at any time if you don't want to invest. Don't hesitate to report him immediately.

whether he is a great god flying around in the circle of friends, or a blood-related relative around you. As long as he says so, he is either a liar or a fool. ? There is a law in investment called impossible trinity's Law.

That is to say, it is impossible for any investment in the world to meet the requirements of high yield, low risk and high liquidity at the same time. If you give up, you will get it. You can only choose the second of the three, and you must give up one. ?

then what are profitability, security and liquidity?

profitability means how much return can this investment bring, 5% a year or 1% a year? ?

security, in turn, is called risk, that is, if this investment is unreliable, will it lose money? Will the boss take the money and run away?

liquidity refers to the speed and ability to turn investment products back into cash, that is, whether funds can enter and exit at any time during the investment process, and they can be sold as they buy. ?

how to understand it? In fact, there are three situations:

1) The liquidity of investment products that meet the requirements of high returns and low risks must be poor. ?

For example, time deposit has higher income, but its liquidity is not as high as demand deposit.

another example is a house. Although the income is high and the risk is low. However, the liquidity is very poor, and it usually takes several years to sell. ?

in the past 2 years, real estate speculation has been the most profitable in China. Real estate has been the favorite investment tool of ordinary people for a long time. The continuous rise in house prices has made many people earn a lot of money.

However, with the introduction of the policy of housing and not speculating, it is very dangerous to invest in real estate with loans now. At present, the investment properties in many cities are in a wait-and-see or price reduction cycle, and the liquidity of houses will become very bad, and a house may not be sold after being hung for half a year. ?

if you can't sell it, or you have to sell it at a big discount, then this investment is undoubtedly very uneconomical.

2) assets with low risk and high liquidity cannot meet profitability.

The simplest examples are demand deposits, national debt and money funds. These products are safe enough and can be converted into cash at any time, but the income is low. ?

It's hard to run through inflation by holding such investment products for a long time, let alone earning a sideline income from them.

only for case sharing, no investment advice.

The stock market is risky, so you need to be cautious when investing. 3) Assets that satisfy high returns and high liquidity cannot satisfy security.

the most typical ones are many P2P products in the past. If you put your money there, you can take it as you need it, and you will get 15% easier income every year. Attracted a large number of people's capital to enter.

however, it can't satisfy the security, and once there is a crisis of repayment of funds, it will be fatal.

you look at the benefits of P2P, and P2P looks at your principal.

In fact, impossible trinity still has a lot in our life.

For example, impossible trinity at work: There is no such job, and it is closer to home with less money.

Less work means less responsibility and less rights, so the potential income will not be high. (Except, of course, the second generation goes to their own company for internship, huh?)?

impossible trinity in life: a happy family, a successful career and high-quality health.

It takes time and energy to build a career. If you want to do a good job, it means that you have to sacrifice a lot of time with your family and compete in the mall.

Staying up late and working overtime for a long time is doomed to your poor health.

the essence of society is exchange. If you want to get something, you must exchange it with what you have, and you will get it if you give up.

So, if you want to get a good return through fund investment, you should either bear a certain risk of principal loss; Either sacrifice long-term liquidity to buy broad-based index products or closed-end funds. ?

don't think about taking the same risks as bank demand, but you can enjoy the liquidity at your disposal and earn 3% income every year. ?

if you are naive enough to encounter such a product, it is either in a scam of cheating money or in your dream! Always remember: high returns, high risks and high liquidity, you can only choose 2 out of 3 and give up 1. If you don't choose all of them, be careful to become poor after excessive greed! It is true that high returns are accompanied by high risks!