Today's [Lightning Protection Secrets Selection] in this column comes from "How to Invest in Financial Management" published by Xiaoma Ducai on July 1, 2022 (this column is not open to the public):
Dingxing Series Collective Fund Trust issued by Minmetals Trust Plan, there are products No. 1-15, all released in the first half of 2021, with a term of one year, and will be sold by China Merchants Bank . In 2021, investor Mr. Xu purchased 3 million yuan of Minmetals Trust-Dingxing No. 1 collective capital trust plan (hereinafter referred to as Dingxing No. 1 product).
According to China Merchants Bank APP, the risk level of this series of products is R3 (medium risk), with a starting investment of 1 million yuan and a performance comparison benchmark of 5.8%. It is a real estate financing product.
[Selected lightning protection tips]
OK, let me introduce the knowledge points mentioned in yesterday’s live broadcast:
Financial products with an annualized return of 10% may explode, and now, even 5% trust financial products have exploded. The key is not the economic downturn, but that the financial product itself is not good and investors did not make the right choice.
Why there are fewer and fewer “good investment and financial products”
[Overview of Knowledge Points]
Today’s knowledge points will tell you that it is most important to choose financial products that suit you!
Breaking the consensus: The economy is down, and more and more people are doing it.
Establishing common sense: There are never "good" financial products, only "suitable for you" financial products.
As a large trust company affiliated with the central government, Minmetals Trust has always performed well. However, the cooperation project with Evergrande overturned. The project involved was "Xinze Investment Collective Fund Trust Plan-Phase 31". Data show that the total scale of the trust plan is more than 3.3 billion yuan. The well-known game company " Mihayou " has also invested in another trust product under Minmetals Trust, with an expected annualized return of 5.8% and an 18-month extension. Some people blame the trust crisis on the economic downturn, but in fact there has never been a "good" financial product. It is more important to choose the product that suits you.
[1. There is always someone who can make money]
First of all, no matter whether the economy is going up or down, the investment market is based on the /28 rule that there are more people losing money and fewer people making money.
When the economic situation is good, it is easier for everyone to make money, but in the long run, it is still consistent with the 80/20 rule; when the economy is bad, it seems more difficult to make money, but if you choose the right industry and the right project, you can still make money, such as during the epidemic Affected by the war with Russia and Ukraine, many industries are not doing well, and the overall trend is downward. However, the energy industry has skyrocketed. If you buy the right crude oil, it has soared 41% in the first half of the year, and you can still make a profit. The key is whether you have allocated this thing.
[2. The good economic situation is confusing]
Secondly, the explicit profits (actually hidden harvests) under inflation and make "good financial products" confuse most people.
Many times, the reason why financial products do not become popular is because the general environment is relatively good. Economic development and inflation make it impossible even if they do not make money, but their essence is not that good. The terrible thing is that some people have made money from it, thinking that they have a good vision, and then investing more boldly and aggressively. When the bubble bursts, the consequences can be imagined.
[3. Pay attention to the basic principles of investment]
Finally, investment can never be separated from the investor's cognition. Finding investment targets that are "suitable for you" is the basic principle of investment.
The quality of the overall economy is just a matter of the general environment. What is more critical are three aspects: industry factors, the project itself, and its own needs:
In terms of industry, when the economy is good, you can choose technology, and when the economy is bad, you can choose energy. Or choose precious metals for hedging;
The project itself is also very important. For example, when an epidemic occurs, you should choose to invest in a vaccine company instead of a cardiovascular disease pharmaceutical company;
The most important thing is your own needs. According to your own capital scale, invest Only you know best about asset allocation within a certain period of time, and no matter how good a financial planner is, you cannot give accurate advice.
[Summary of knowledge points]
To sum up, the 5.8% trust explosion has little to do with the economic environment. The most important thing is that it invested in the wrong real estate industry. Evergrande’s explosion is a sure sign that it has already appeared. The key is to choose according to your own needs. to industries and projects.
[Warm reminder]
Based on Xiaoma Ducai's lightning protection experience, investors who foresee a crisis need to reflect on their initial investment ideals (high returns, guaranteed capital and interest, no risk, etc.) etc...) cannot be completed by by others. Only by recognizing this can investors' own autonomy be stimulated, so as to make steady and steady profits, as shown in the figure below:
![Today's [Lightning Protection Secrets Selection] in this column comes from Xiaoma Ducai's](https://cdn-dd.lujuba.top/img/loading.gif)
After investor education, Xiaoma Ducai's friends have currently obtained the following latest results:
From July 4 to 8, 2022, 1,881 "investment lightning protection" consultations have been completed, of which 359 people participated in member-exclusive projects through investor education, generating an additional XXX million yuan in income, totaling 16.2716 million yuan;
If there is any If you have any questions, you can participate in Xiao Ma Ducai’s public live broadcast at 20:00 every Thursday night and communicate with the speaker, Brother Xiao Ma!
solemnly declares: We never advertise, we are only looking for smart investors who are “willing to reflect on and return to their original investment ideals”!
