Personal real investment failure experience

Personal real investment failure experience

Personal real investment failure experience. We all know that investment has certain risks, and some personal real investment failure experiences can sound the alarm for us. Next, I will take you to understand the relevant content of personal real investment failure experience.

Personal real investment failure experience 1 I used to think that if I didn't have a job and had a heavy stock, I could be called a professional stockholder. Later, I found that calling myself a professional stockholder brought me a little trouble. On the internet, people's expectations of professional investors are quite high. If you can't catch the market every year, please don't call yourself a professional stockholder.

In fact, I have never been a good person since I was a child. My family, personality, study, work and marriage are all ordinary. I lack confidence. I sincerely think that I am a failure. Even if some people think that I am a big family on the internet now, I can't change that kind of weak temperament.

I was chatting with a friend, and he told me that his cousin is very powerful and is the kind of person who can mix society. Now that his business is quite big, I really want to know how the businessman temperament of that mixed society was tempered. After our in-depth discussion, we come to the conclusion that environment determines character.

This cousin, in the process of growing business, has become extremely strong in personality and temperament. When talking about business, he can make money directly without signing a contract. That confidence exudes the charm of success. This charm is like the charm brought by my lack of interest in bargaining goods at the entrance of primary school.

When you are in a smooth situation, your temperament will become stronger and stronger, and you will have heartfelt confidence. Even if it is a flash in the pan, you will think that you can easily tide over the difficulties with a little effort.

Including my experience in stock trading, my current strategy also reflects my personality weakness. I once dreamed of finding the secret of the stock market, which could completely turn me over. In fact, I also gradually entered this weak strategy.

I remember 20 12 years, and one day I suddenly had an epiphany. In stock trading, high-priced stocks should be speculated. Because the price is high, it must mean a lot of increase, which shows that this enterprise is good. The price of Pien Tze Huang was about 100. Unfortunately, I was almost beheaded later. I can't remember the exact time and price, nor can I remember how much I lost. In a word, I failed again.

In fact, if I hold it today, I can earn a lot. Of course, it is also possible that I will buy another high-priced stock that has fallen a lot. Looking back now, I know what the problem is.

I chose Pien Tze Huang at that time because it rose sharply. No matter how good the stock is, as long as the price doesn't go up, we can't see the scalper. For example, Fosun Pharma, a few months ago, gave people the impression that it relied on mergers and acquisitions without R&D capability. The return on net assets is only 65,438+00% of that of ordinary enterprises. At present, it seems to be the leader of vaccine stocks.

So what's my question? Is it simple because I only hold it today? I don't think so. Let me talk about another topic first.

A few days ago, a friend said that he had found a strategy, and the back test result was very good. This strategy is that the roe of the past four years is greater than 20%, and then he buys and holds, and the annualized rate of return is very high.

There is nothing wrong with this strategy itself, but many people will find that after adopting this strategy, there is still no money. What's the problem? Why did I lose money on Pien Tze Huang? Why do most people still fail to make money from the best enterprises selected by roe?

This friend is also a little ignorant. He doesn't believe that his strategy will make people lose money. I showed him the K-line diagram of pharmaceutical etf with higher roe:

Pharmaceutical ETF, if bought at 20 14, will be annualized by 20% today (very good). If you bought it at the top of 20 15, it won't come out until April and May this year.

Now let's think about it. I bought Pien Tze Huang because Pien Tze Huang is popular. I saw a lot of good news, such as the fund's heavy position, such as the expansion of musk deer breeding, such as the optimism of a well-known private equity fund manager and so on. At this time, its valuation is the highest, and its minority shareholders are enjoying the glory. I bought it at this time, but I can't bear to sell it after adjusting my waistline.

In the past three years, what we have seen in the pharmaceutical ETF is unfavorable information. Centralized procurement will seriously affect profits, and most pharmaceutical companies will change factories.

At this time, you selected several pharmaceutical stocks by the roe stock selection method, and found that the income in the past few years was very low, from 20 14 to 20 19, and there was almost no income in the last five years. Roe's stock picking strategy is rubbish.

Today, we still use the same roe parameters, and then go back to the test and find that the yield is so high, 20%. Then I began to invest money to practice the roe stock selection strategy, and found that 1 year passed, two years passed, or even three years passed, and the compound rate of return was only 5%. Did you have a nervous breakdown?

Seeing this, do you understand why we always fail?

Today, we can see Feng Liu, racetrack, medicine, beauty, biology, even mushroom cultivation and hardware sales everywhere on the Internet. Are these good businesses? Maybe, maybe not, but many people will certainly face similar problems. Today, you choose some stocks that have been pushed into the spotlight, but you don't know that the dance is coming to an end.

When one day overwhelming negative information comes with the stock price falling, can your strategy, your patience, your faith and even your cash flow support you through the trough?

Personal real investment failure experience 2 Yesterday, the stock market plummeted, and many small partners couldn't sit still. So today I will talk about my previous experience of "blood loss" and encourage each other.

Since the beginning of this year, my investment income has been 4 1. 15%, outperforming the Shanghai Composite Index by 49.46%.

Many friends envy my investment income, but what they don't see is my previous experience of losing more than 80%.

One of the investments is P2P. At that time, I was still a little white, and I was cheated into P2P under the guise of 8% annualized, but I didn't expect to lose money.

1, I wanted to make money, but I didn't expect to be dragged to collect debts.

During the P2P fire a few years ago, most people earned a lot of money, and the investment income far outperformed other categories. I have a friend who is a beneficiary of P2P. Because of the early admission time, he got the original funds on P2P.

As his friend, every time I hear him mention how much money he has earned and how much money he has saved, I can only envy him, because I have no savings and I have no money to invest. The only stock market that invested 20,000 yuan was wiped out by a stock market crash. When I saw that my account was in a mess, I had no courage to open it again, so I had to bury my head and play dead.

Although it has rich experience in P2P investment, it has not escaped the P2P storm.

One day, a friend told me that there is a P2P platform that is very reliable, because there is a lot of gold as a guarantee, and he also knows the top of that platform. I saw them move gold two days ago, and they have a gold license, so the risk is not big and they can invest. He invested 50 thousand himself and asked me if I wanted to follow.

But I knew I had no money to invest, so I refused.

But he told me that pulling a new user can get more cash back, and he also wants to invest tens of thousands, so he asked me to borrow my ID card and bank card to invest in my name and give me the cash of the new user.

I must be very happy to hear that, so I accepted his invitation and invested the money he transferred to me.

Shortly after my investment, many P2P platforms began to storm. Because it is the first time to participate in this kind of investment, I sometimes ask him if he has any questions. He said it was not a big problem. After all, our investment period is only three months, and this platform also has a gold license, so the problem is not big.

After hearing what he said, I stopped doubting and went to work as usual.

Seeing that there is still a week, the platform I invested in will expire, but there is news that something has happened to that platform. Fortunately, my account was invested early, and the principal and interest have been recovered, so the loss is not so heavy.

His friend told him that many investors had registered to pay on the spot these days, so we quickly found time to go there, and we couldn't get a penny late. As I invested with my ID card, as an "actual" investor, I must be present.

So I asked the company for three days off to "collect debts" with my friends.

2. There is only the word "interest" in the world of adults.

However, things are not that simple. Although all the investors have left, none of the company's executives have appeared, and the property has appeared on the scene. The scene was in chaos. Moreover, the property is worried that its office will be seized by the police, and it will not be rented out in the future, and it wants to drive away all investors.

Some investors are more emotional, or they may see through the heart of the property and have a language conflict with the property. The property was very angry and said that it would kick us out.

Some investors said that the property called the police, but this is not the case. About 40 people went to the office that day to ask for money. When I heard someone say that the property called the police, one of the investors panicked and quickly took out his mobile phone and called the police for fear of being thrown out by the property.

Then the police and the Economic Investigation Department rushed to the scene, but the chairman of the company still didn't show up.

Some investors are also dissatisfied because of police intervention and economic investigation. Why? Because these people do not advocate calling the police, the people who call the police privately have not obtained the consent of everyone, which leads to differences of opinion.

The reasons for not wanting to call the police are as follows: ① The company is still operating, and calling the police is tantamount to creating chaos, and the platform will hang up ahead of time, which will make the alarm unpopular; 2 alarm is equal to startle the snake, and the amount of the day is not paid; (3) The chairman promised to appear in the office at 4 pm that day, and the person who called the police at 3 pm panicked and called the police himself.

Of course, people who call the police also have reasons to call the police: ① The news says that the company is already an empty shell and intends to liquidate; The purpose of the alarm is not to file a case, not to attract economic investigation, but to avoid being driven out of the office building.

However, in the end, whether to call the police or not, there is no point in arguing again, because the police have already arrived.

The difference is nothing more than the inconsistency of interests of all parties. Everyone cares about their own interests, regardless of others, as long as they can get the principal back.

3, people are empty, and the past is unwilling to mention it again.

After a day of tossing, I returned to the hotel in the evening and received news that the chairman of the platform and several employees were taken away by the police station and spent the night in the detention center that day. And the chairman has negotiated with the police that the platform will continue to operate and all debts will be honored.

This is definitely good for us.

But the company didn't open the door the next day, because the employee's access card had been taken away by the property, and the property locked the company office.

Another source said that the chairman appeared in the evening, negotiated with the police and the property, and reached the news that the company would continue to work the next day, and will make a payment plan, but the chairman did not give a payment plan, but only verbally promised.

Because the chairman of that platform appeared in the office several times and was caught by investors several times, every time he was stopped, he would give 654.38 million yuan to the investors present. After the distribution, he will run away. He has only one purpose, that is, to stall investors and keep his life safe.

According to him, the company has several houses worth 200-300 million yuan, and the funds raised by the whole platform are more than 654.38 billion yuan. There is no doubt that the investor's principal and interest can be paid in full.

All investors want the company to auction the houses and pay the investors' principal, but unfortunately, the property rights of the houses mentioned by the chairman are not under this company, and the actual holders of these houses are involved in another larger illegal fund-raising platform, and they also ran away.

Therefore, the last hope of investors was dashed, and everyone had to follow the instructions of the police, fill in the information and go home to work. In this way, more than two years have passed, and since that alarm, I have never heard from this platform again.

At first, many investors will discuss the repayment of money in the group. Later, no one in the group said anything, and no one mentioned it again. Maybe this is people's memory, so don't mention those embarrassing things in the past.

It doesn't matter if you fall, what matters is the lesson.

This is a very unpleasant debt collection experience. P2P debt collection is actually a realistic version of the werewolf killing game. In this game, in most cases, the "werewolf" wins as the end point, and the werewolf is the platform controller.

I probably summed up the reasons for investors' failure: ① There are more keyboard players and less practical ones; (2) Without the ability to judge information, people follow suit. In the case of asymmetric information, they do not take the initiative to verify the source of information and are easily confused; 3 people are talkative and emotionally unstable; 4 Suspicion is too heavy, choose teammates who suspect the same goal, and choose to believe what creditors say; ⑤ Think that everything that investment friends do is just and obligatory, and kidnap investment representatives with morality; ⑥ Some people who invest less, such as only 1-20000, think that the amount is small and the cost of rights protection is high, and they are unwilling to participate in rights protection.

Obviously, this is a very failed investment, but it doesn't matter if it fails. The question is whether there is a summary. Anyway, I never participated in this kind of investment again, because I fell once and learned a lesson.

5. Conclusion

So far, my friend told me to invest more than 30 thousand. In addition to this investment failure, he also stepped on a lot of thunder. Although he didn't lose much, he had 200,000 to 300,000 large and small. Fortunately, on the whole, he still earned it.

Investors who entered the market late like me basically lost a lot, not to mention interest, and the principal was gone.

That failed investment experience made me understand a lot. Even companies that my friends are very familiar with and have done due diligence are not necessarily reliable. You still have to rely on your own research to invest, and blind investment is easy to be harvested, no matter which variety you invest in.

The most important thing is my own identification of risks. Return on investment is not always linked to risk. The most fundamental thing is the texture of the investment target. But I am also grateful for this painful lesson. If it weren't for this time, I wouldn't have learned financial management so solidly. After all, the more painful I fall, the faster I wake up.

So, it really doesn't matter if you fall once. What matters is when you can wake up.

Personal real investment failure experience 3 what should I do if the investment fails?

Face the reality and adjust the mentality;

Many people are faced with investment failure, and will be severely hit at first, unable to believe the facts for a while, and even some people are depressed and unable to extricate themselves. Therefore, in the face of investment failure, investors must first face the reality and understand that since things have happened, they must face it calmly and adjust their mentality in time. Life goes on.

Travel and relaxation:

No matter what causes depression, travel can effectively treat mental trauma. When investors are in a bad mood because of investment failure, they might as well pack their backpacks and travel alone at this time to see the cultural landscape between different cities and the great rivers and mountains of the motherland. On the way to travel, you can not only harvest the beautiful scenery of nature, but also effectively relieve the depressed mood.

Learn to analyze and sum up experience;

When the investment fails, you must calm yourself down first, then carefully analyze the reasons for the investment failure, sum up the experience of the failure, and find out whether the reasons for your investment failure are blind investment because you don't understand the investment project, or because the partners of the investment partners don't give strength. Only by learning to sum up experience can we avoid making the same mistakes in the next investment.

Let friends around you guide you:

After the investment fails, if you can't find the problem of failure, it's better to find three or two friends to have a drink and spit it out. On the one hand, you can vent your emotions properly, on the other hand, you can talk about your own experience of investment failure, and then ask your friends to give you guidance and help you analyze the reasons for investment failure.

Learn investment knowledge and improve investment ability;

After the failure of investment, we should not only learn to sum up experience, but also study the professional knowledge of investment, especially for amateur investors. Because the interlacing is like a mountain, if investors don't know anything when investing in unfamiliar fields, they are likely to make mistakes and lead to their own investment failure. Therefore, it is very important to learn investment knowledge and improve investment ability after investment failure.

Exercise investment vision:

Many people's investment failures are mostly due to their lack of investment vision. When people around you say that investing in something can make money, they blindly follow suit without thinking. After the investment failed, I complained about the people around me, but I didn't think about it. It is because you have no vision that you make mistakes in investment. Therefore, in order to successfully invest and make profits next time, investors should find opportunities to exercise their own vision, keep more facts and think more. There are many investment simulation games on the Internet. Playing with them may open investors' minds and improve their horizons.

Make a comeback from:

After the investment fails, if you still have spare money in your hand and happen to meet a project with a profitable prospect, you may as well be bold and invest the rest of your spare money in this project. Maybe after a year or two or even a shorter time, after the project is profitable, the money lost from previous investment failures will also be earned back.

Be a good person and do your job well;

For investors, investment failure is really an unhappy thing. However, due to my timidity, I am worried that the next investment will fail or I have no spare money in my hand. At this time, they might as well settle down and do their work with peace of mind. Although most people can't make themselves rich by working, they will at least have a stable income. Therefore, doing a good job is also a way to get out of investment failure.