How to survive in the capital market?

1. Online Loans

Tuandai.com, one of the top ten online loan companies, is headquartered in Dongguan, Guangdong, and is headed by Tang Jun. Controlled by Dongguan police, it has 220,000 investors and a capital scale of nearly 15 billion. The thunderstorm hit the head platform, which was absolutely unexpected by us. The capital market is like this, nothing is unexpected and it is always full of surprises. I personally still have about 10,000 in funds, and my first reaction after seeing the news was to suspend the automatic renewal of investment. The next step is to withdraw each payment as it arrives. At the same time, follow what the police uncle said and safeguard your rights honestly.

It has long been commonplace to say that the online loan industry is experiencing thunderstorms. But this time the weight really takes a while to digest. However, judging from the actual rate of return, it is actually not surprising. Because it is impossible to achieve an annualized rate of return of more than ten points on a sustained basis. You must know that the risk-free rate of return in the capital market is an anchor, and no one can escape its pull. As a quantifiable standard, the annualized yield on government bonds is generally chosen, which is about four points. When we go to market experts, they tell us based on their experienced experience that 6-8 is within the range that can be achieved with hard work, and the higher it is, the more capable you are.

In other words, if you have no ability and still want to get an annualized return of more than ten points, then you are kidding yourself with your principal. No, Tuandai.com came to remind us. Common sense is knowledge that people often ignore. Because human desires are really terrible. Coupled with the rapid development of China's economy, people are impetuous, and major fluctuations are inevitable. But as a person who is responsible for his own assets, it is better to be cautious, otherwise long-term compound interest on funds will not be established. The ultimate success of investment lies in the continuous compound interest effect.

2. Stock market

When it comes to the capital market, the core lies in the stock market. The above P2P online loans are very eye-catching as the vanguard of fixed income, and among the equity varieties, the main force is stocks. However, it is not easy to make money in the Chinese stock market. The reasons are similar to the above. We cannot escape from the vicious circle caused by greed and fear. Even for most people, not losing money is a miracle. The role played by the vast majority of people is to be a handful of leeks when the bull market comes. Then in a bear market, forget about it, or just curse it when you have time.

Because this is a place where it is very easy to swallow up people’s funds quickly. Compared with online loan platforms, there is really no place to find police officers to protect your rights in the stock market. Look at the slogans "The stock market is risky, please be cautious when entering the market" that can be seen everywhere. It's not like no one has warned you. This is another common sense, but not many people really know it. Otherwise, who will save the next bull market? It’s still leeks cropping after cropping. It's fine to say that the cruel stock market erodes funds, but it also tortures people's psychology, emotions, life, work, and family. In short, stock trading makes many people’s lives worse than death.

So, how to survive in the capital market is really a good question. cautious! Respect common sense! These seem to be far from enough. Anyone who has some ideas and a certain interest in the stock market has to go through one or two rounds of major bull-bear transitions. The process must be experienced deeply enough. In the end, it took almost twenty years to become more mature. A very few people who are talented and intelligent may have been exposed to some financial environment in their families since childhood, and the time to get started may be shorter. Unfortunately, those are not the objects of comparison.

Now, as a wave of market conditions broke out in February, many people have been teased to the point of being uneasy. However, as of last night, it seemed that the rise had lost its momentum and instead turned downwards in search of support. As for when it will come back, this is something that many people are eagerly watching. When they are impatient to wait, they will also look at the predictions of those immortals for comfort. But in fact, the stock market is unpredictable, and a better strategy is to plan for your next step based on predictions. The best strategy is to raise it to the strategic level, the height of concepts and values, and only then can the road to investment be sustained.

3. Housing market

In our discussion, you can make money by buying a house, and you can make a lot of money. I would say that this may gradually become a thing of the past.

However, the ever-changing laws of human nature, business logic, mathematical principles, etc. are a series of assessment indicators for survival. Are you ready for it? The next thing that will be hit by thunder may be your position. When nothing happens, review the trading and check it carefully.