1 thought on “If a serious economic crisis erupted in 2021, how to ensure that your assets do not shrink?”
Edna
If a serious economic crisis broke out in 2021, it is important to do asset allocation, so that it can effectively ensure that your assets do not shrink. Nowadays, the renminbi has been depreciating. The annual inflation is 4%. What is the concept? It is like you have 10,000 yuan in your hands. By next year There are almost 10,000 yuan left. This is the so -called renminbi shrinking. So if you want to ensure that the renminbi does not shrink, you have to win inflation. And if you want to win inflation, it is not possible to exist the banks. You have to learn financial management and learn to allocate your assets. The asset allocation here is not to invest in other projects such as real estate, insurance, but fund investment. In the era of rapid economic development, everyone understands some financial knowledge. In financial management, an important issue we often consider is how to allocate our property, that is, how everyone's investment ratio should be distributed, and how to balance risks and benefits. At this time, everyone will think of a familiar sentence, "Don't put eggs in the same basket", it means that you must learn to establish a widely decentralized investment portfolio when investing. Don't put all the money in the same investment project, because the risks to be borne will be relatively large. Be good at playing combined fists and reduce investment risks. In how do we allocate our investment funds? It, from the attributes of assets, the risks and income of different funds in different assets are large, so we must first be familiar with the income risk characteristics of assets. For example: low risk and low yield of currency funds; higher currency funds, bond funds risk income levels are slightly higher; hybrid stock funds depends on the proportion of stock bonds. Risk levels are also higher; pure stock funds have the largest fluctuations and the largest potential risk returns. Personal experience, the best thing is to pay attention to the index fund! Buffett continues to praise the index fund and recommends ordinary investor investment index funds! In the characteristics of the above assets, let's talk about your own demands. For example: your risk preferences, expectations, and risk tolerance. of course, the lower the risk tolerance, the lower your expectations of the income should be lower. After all, the fantasy of low risk and high yield is difficult to achieve. The attributes of assets are clear, and then talk about fund configuration. The final purpose of the fund configuration is based on your own investment demand, hoping to find a balance point. For example, although stock funds have high income, they are too large, and most investment cannot withstand asset retreats in the process of holding. Therefore, an effective solution is to add bond funds to reduce the correlation of assets and reduce the volatility of assets. If consumption and medicine is called the two major industries that are "naturally easy to make money". It performed very brightly in the history of A shares. I usually choose medicine and consumer funds, one -third of medical care, 3 points of 3 points, 3 points One of the three -thirds of the bond! Such configuration methods keep the principal more likely! Investment is more stable! Through such a combination, it can ensure that the assets are not shrinking, but it can also be added.
If a serious economic crisis broke out in 2021, it is important to do asset allocation, so that it can effectively ensure that your assets do not shrink.
Nowadays, the renminbi has been depreciating. The annual inflation is 4%. What is the concept? It is like you have 10,000 yuan in your hands. By next year There are almost 10,000 yuan left. This is the so -called renminbi shrinking. So if you want to ensure that the renminbi does not shrink, you have to win inflation. And if you want to win inflation, it is not possible to exist the banks. You have to learn financial management and learn to allocate your assets. The asset allocation here is not to invest in other projects such as real estate, insurance, but fund investment.
In the era of rapid economic development, everyone understands some financial knowledge. In financial management, an important issue we often consider is how to allocate our property, that is, how everyone's investment ratio should be distributed, and how to balance risks and benefits. At this time, everyone will think of a familiar sentence, "Don't put eggs in the same basket", it means that you must learn to establish a widely decentralized investment portfolio when investing. Don't put all the money in the same investment project, because the risks to be borne will be relatively large. Be good at playing combined fists and reduce investment risks.
In how do we allocate our investment funds?
It, from the attributes of assets, the risks and income of different funds in different assets are large, so we must first be familiar with the income risk characteristics of assets.
For example: low risk and low yield of currency funds; higher currency funds, bond funds risk income levels are slightly higher; hybrid stock funds depends on the proportion of stock bonds. Risk levels are also higher; pure stock funds have the largest fluctuations and the largest potential risk returns. Personal experience, the best thing is to pay attention to the index fund! Buffett continues to praise the index fund and recommends ordinary investor investment index funds!
In the characteristics of the above assets, let's talk about your own demands.
For example: your risk preferences, expectations, and risk tolerance.
of course, the lower the risk tolerance, the lower your expectations of the income should be lower. After all, the fantasy of low risk and high yield is difficult to achieve.
The attributes of assets are clear, and then talk about fund configuration.
The final purpose of the fund configuration is based on your own investment demand, hoping to find a balance point. For example, although stock funds have high income, they are too large, and most investment cannot withstand asset retreats in the process of holding. Therefore, an effective solution is to add bond funds to reduce the correlation of assets and reduce the volatility of assets.
If consumption and medicine is called the two major industries that are "naturally easy to make money". It performed very brightly in the history of A shares. I usually choose medicine and consumer funds, one -third of medical care, 3 points of 3 points, 3 points One of the three -thirds of the bond! Such configuration methods keep the principal more likely! Investment is more stable! Through such a combination, it can ensure that the assets are not shrinking, but it can also be added.