How do you feel about holding bank shares for many years? Let me talk about some personal views.

I have held banking stocks for many years, and according to my own experience in securities investment, I would like to talk about some personal views.

Let's talk about the basic form of banking stocks, which belongs to mature industries. Most banks are characterized by large-cap stocks, slow growth (single digits) and high dividends (3%-6%), such as the five major banks. Commercial banks and local city banks have developed rapidly. There are also a few with good growth rates, such as China Merchants Bank and Nanjing Bank, which can still maintain the revenue growth rate of 10%-25.

Second, long-term holding of bank shares 1, long-term holding, mainly to pursue the long-term growth value of enterprises. The growth of general banking stocks is slow, which has passed the growth period of the industry, mainly because of the stock market game, and the growth is slow through new business to promote revenue. Generally speaking, it is shallow, and it is difficult to obtain large excess returns.

2. The advantage of long-term holding is that although it is difficult to make a big profit, it is difficult to lose money with little fluctuation.

Third, the bank stocks that eat dividends have higher dividends. Many banks pay dividends twice a year. If you have an asset bank stock of 654.38+00,000 yuan, you will get a dividend of about 50,000 yuan every year. If you have 2 million assets, the dividend is about 654.38+million, which is basically enough for a family's daily expenses, which is equivalent to a person's salary. It's not bad to eat dividends.

4. Issue new shares 1. This new share is limited according to the market value of Shanghai and Shenzhen positions, and has nothing to do with whether you hold bank shares or not.

2. When you play new shares, you can draw a lottery like a lottery. There is no rule. You rely entirely on luck. Your subscription is large and the probability of winning is high.

3, if you win the bid, you will have meat to eat, and you can get a lot of income, basically more than 50%, several times more, and then sell it, which is still good.

Above, I hope it will help you.

If you hold bank stocks for a long time and actively participate in new shares, this is a very stable investment method, because for most investors, trading stocks in the stock market is to get a big return through short-term speculation, or even to realize the idea of getting rich overnight through stock trading. Obviously, it is impossible to make quick money by buying bank stocks for a long time. But there are also some investors, mainly holding bank dividends for a long time to innovate. These investors will not care about the short-term ups and downs of the market, nor will they speculate on the theme stocks. Their operation idea is to hold bank shares for dividends and innovate by the way.

This investment method can be said to be a very stable stock trading method, trying to obtain certain income in the long-term operation.

First, it is better to hold bank stocks for a long time than deposits. Investing in banking stocks makes money, and all my friends around me are doing it. In fact, the idea of these old investors is very simple. If you deposit your money in the bank and get an interest rate of about 3%~4%, you might as well invest in bank stocks in the stock market. Although the dividend interest rate obtained by buying bank stocks is only about 4% per year, it should be understood that in addition to investing in bank stocks, additional income can be increased by playing new ones. Once they win the new lottery, for these people,

Moreover, bank stocks are considered as defensive sectors in the stock market, with a short decline cycle and a stable trend. After the capital market matures, value investment is increasingly recognized by funds, and the trend of bank stocks will continue to fluctuate upward in the later period. At this time, for them, investing money in bank stocks can not only get dividends, but also make innovations. It can also usher in the rise of the stock market, and bank stocks can get multiple returns from the rising market, which is stronger than putting money in bank savings and has higher returns. Of course, shrewd investors.

Second, there are many mature old investors. Why are all the old investors who buy bank stocks with stable and mature mentality? Because there are too many opportunities in the A-share market every day, we can see the daily limit of stocks, and we can also see that demon stocks and hot topics are rotating every day. Under the temptation of making money, it is difficult for many investors to invest their money in the banking sector, because the overall trend of banking stocks is not only slow but also long. Buy some small-cap theme stocks and earn 20%~30% in the short term. In contrast, bank stocks may only rise by 10% or 20% a year. Obviously, it is the fastest way to make quick money and double the value of funds. It is very slow, even difficult, to speculate on the theme stocks.

This is also the reason why many investors despise bank stocks and know that bank stocks have low risks, but they don't want to buy them. However, in the medium and long term, banking stocks are very stable. After a wave of speculation on small stocks, it will usher in a longer period of adjustment. For investors, people who buy bank stocks can be said to be stable and mature, because they don't care about the fluctuations of other stocks in the stock market. They just want to exchange bank stocks for long-term investment returns, and they won't give up their firm holding of bank stocks because of the continuous daily limit of other stocks. It can be said that these people have controlled their greed and fear and formed a long-term financial management method of buying bank stocks to get returns.

Therefore, it is a medium-and long-term investment strategy and a way to get rich slowly to share dividends in banking stocks. Such people can say that they have a lot of money, but they don't want to get rich overnight or even get rich by short-term speculation. They also understand the risks in the market, and just want to get a return on investment by holding bank shares, or they can increase additional income by playing new ones. Compared with most investors in the stock market, these people are actually real value investors.

This is a good question, and it is also the safest way to invest, which is exactly what I want to do now. Last night, Liu Ge was still thinking about one thing. Although the stock market has been profitable for so many years, it still lost a lot in the end. The stock market is too deep. Brother Liu summed up a stock market proverb: once you enter the stock market, it is as deep as the sea. The stock market is not for us to play. It is better to give up those old irons who want to make money in the stock market as soon as possible.

Retail investors can only go in and play when the stock market is bullish, but they should also fast-forward and fast-out, not too greedy.

So how can we make money in the stock market without losing money and have a stable income?

The question asked by the subject is very good. Holding bank stocks for a long time, paying dividends and issuing new shares are the best choices, because bank stocks have good performance, stable prices, state holding and no risk of delisting. For example, the four major banks (Industrial and Commercial Bank of China, China Construction Bank, Agricultural Bank of China and Bank of China) choose to hold such stocks for a long time, and they can also receive dividends from the company, and the issuance of new shares is recorded according to the market value of each account. If you have 65,438+00,000 yuan of Shanghai Stock Exchange, you can subscribe for 65,438+0000 new shares issued by Shanghai Stock Exchange. In Shenzhen, as long as you have a stock market value of 5,000 yuan, you can subscribe for 500 new shares with numbers. However, the banking stocks have good performance and stable income, and have not been hyped in this market. Now most of them are lying at the bottom, which is the best investment choice.

Generally speaking, the income of new shares from issuance to listing is still considerable, and the income of a new share usually has thousands or even tens of thousands of profits. However, small funds have no advantage. After all, the winning rate of new shares is only about 0.03% ~ 0.05%, and it is not easy to win unless the amount of funds is large, the probability is high and the winning rate is high.

Your income in the stock market will be much higher than that in the bank, far exceeding 90% investors in the market.

Take Cosmic Bank-Industrial and Commercial Bank of China as an example. Since 20 10, the annual dividend has been above 4-5%, and the dividend rate is higher than that of ordinary bank deposits.

In addition, from the stock price point of view, except for the trend of listing for three years from 2006 to 2009, it has basically risen along the 60th anniversary (that is, the annual line) since 2009, and 10 has risen by a maximum of 5- 10 times.

From this simple point of view, it is better to buy bank shares for dividends. In addition to a slightly higher dividend yield, the bank itself also needs to increase its options by 65,438+000% for a long time, which can be said to be a stable business for ordinary investors.

Of course, buying and holding stocks for a long time, the price of buying, has a great influence on the final income. In operation, it is recommended that you decide to buy.

The four major banks, as far as possible, are below the annual line, and 1 is below PB, which is equivalent to taking dividends, innovating and increasing bull market options. By the way, looking at the discount of Hong Kong stocks, the reasonable buying point is 10~ 15%.