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Can you tell me how ordinary people should protect their assets?

Do you buy stocks and funds to make money, or to preserve and increase the value of your assets? Different purposes, different initial intentions and motives will have different attitudes and behaviors. As an ordinary person, how to protect your assets and make them increase steadily?

First, consider investing in equity funds for money that can be invested for a long time. The investment of stock funds must be idle money, at least money that will not be used in the next three to five years. The longer the time, the better. If you invest with short-term funds, it will be affected by short-term market fluctuations and is likely to be eliminated. In short, investing with spare money, even if you lose money, will not affect your life. In addition, don't add any lever.

Second, if you don't know how to invest, holding cash is better than investing indiscriminately. The most taboo is to be tempted by the market to chase up and down. If you know how to do it, you will not lose if you don't know how to do it. In addition, due to your limited time, energy and ability, don't make too scattered investments, but concentrate. Investment is based on your own thinking and understanding. You don't know the market, but you don't participate in it. Others say that even the best opportunities are speculation. You don't have to pay attention to how many times other people's income has doubled. This kind of hype is unsustainable, and what is sustainable is reliable. So if you don't understand, either don't do it or learn, so that you can understand it slowly.

Third, index investment is more useful if the overall equity can reflect the overall economic situation. Warren Buffett has always suggested that non-professional ordinary investors can invest in index funds, because these companies in index funds also represent the average growth rate of the overall economy, and what you reap is an average economic growth. However, because many excellent enterprises in our country are listed in foreign markets, the index can't fully reflect the overall economic situation, but it can't be said that they can't invest at all. According to the valuation level of these index funds, we can invest more when the valuation is low, which is relatively stable.