2021 is coming to an end, which is also an extraordinary year for a shares.
In terms of trading volume, as of the closing on December 22, the turnover of Shanghai and Shenzhen stock markets had exceeded trillion for the 44th consecutive trading day.
From the perspective of investment categories, plate rotation is the main theme of the stock market this year. New energy, lithium battery and yuanuniverse have become hot topics in the streets; The fund is popular among young people and has become a "good heart". However, the market is like a roller coaster. Even star fund managers and 100 billion top flow "Kun God" also have the time to step down from the altar.
"Popular at the beginning of the year and swearing at the end of the year" can be said to be an accurate description from the perspective of investors. Did you participate in it?
Towards the end of the year, times finance launched the planning topic of financial fantasy in 2021. In the "investment Mania", we invited many post-90s to talk about their investment experience this year, so as to outline the current (tragic) financial situation of the younger generation. The following is the investor's readme.
invest in Xiaobai's "big siege" Wu Yingying, 27, screenwriter
Many people dream that they will be rich, but my requirement for myself is not to rush too hard.
Some people say that it is a better asset allocation to take out 20% of your salary every month for financial management. I started to buy funds in August and invested 2000 yuan a month.
The first investment is not very clear, the hot industry has bought, semiconductor, consumption, medical treatment, new energy...... there is also a solid income class, see Alipay gold pick buy, less brain, but also save trouble.
From "a piece of white paper" to now, although not experienced a hundred battles, it is also a little experience.
Generally, it is not moving when rising and buying when falling. As long as you don't buy at the high point, you can make money with more patience.
Don't buy "ordinary goods". Funds with a management scale of more than 10 billion should be carefully selected, because it is difficult to operate. Look at the tragic decline of "Kun God" this year... It's best to pick a plate of 3-8 billion, which is easy to be a dark horse fund manager.
The fund has fallen into a mess recently. Yesterday, I took a look. New energy fell by 4% and medical care fell by 3%. I immediately borrowed 4000 yuan from the micro loan and made up 2000 yuan each.
(so is the income OK this year?)
"It's still negative."
(that is "a meal is as fierce as a tiger, and the deposit is negative at first sight.)
This year's market is definitely not good. When I made more than 500 yuan, Alipay showed that it had already won 70% of the Guangdong people.
in this era, there is no way to make money without paying tuition fees. If anyone can make money, it should be withdrawn.
Expectations for next year: not too greedy.
stocks should have a good attitude. Lin ya, 26, editor of the publishing house
I started to manage money because of my work needs. It's just a year. Daily work deals with finance and capital markets more, but it is not a completely professional investor. It is a qualified leek with a little basic knowledge.
This year's overall income can be said to barely catch up with the national debt, which is very good. (wry smile) if you have any opinion on the market, I mean, can the big guy who challenges 4000 come out and take two more steps?
I'm kidding. Seriously, I think this year's plate rotation is the main line. The concept of carbon neutralization can still follow, but pay attention to underestimated values and new concepts. Nonferrous Metals and electrical sectors will have different space under the background, which can be used as a reference for next year.
I have bought stocks and funds on hand, with a ratio of about 1:3. Some bond funds are configured in the fund. The recent market is too bad. If you honestly buy the debt base at the beginning, it may be more stable. However, the income difference can not blame the fund difference, but because of repeated investment (monthly salary), which lowers the average rate of return.
Stocks. I've bought everything, mainly manufacturing and cyclical stocks. In this part of the fund, there is a new energy logistics fund and a little new energy. The others are consumption. I cleared the new energy fund around July, so I missed the big rise, so I lost money by strength.
The operation frequency is basically once a week. The stock account will be read every day. It is useless to read the fund. This is actually good. Some investors like to make short-term money, and others especially like to buy ST shares. I am the kind who resolutely says no to St.
After I started to speculate in stocks, I read financial news or read the research report every day. If I encounter a topic of special interest, I will call the securities analyst for a chat. In terms of specific operation, for example, if you buy stocks, first roughly study the company from the financial report. If you have any questions, call the securities department and generally answer the questions of investors.
When stocks or funds withdraw very badly (of course, this is very common this year), I generally don't move or make up positions at a low level.
However, on an ordinary afternoon in June this year, I sold Tianqi Lithium Corporation(002466) for 50 yuan. In September, the stock rose to a high of 143 yuan. Now when I think about it, I can only cry first.
Let alone the outlook for next year. If you can earn 10 points, you are very satisfied. The overall economic downturn and inflation are all factors to be considered. The fund basically won't move. The market situation is so that fund managers have outperformed CSI 300. Why do I move it. Seriously, if you want to recommend, choose partial bond funds, that is, bonds with a high proportion to hedge stock risks and ensure that the return is about 10%.
under strong winds and waves, I either fight my life or choose to retreat low - this is my experience since I became a leek. By the way, it's also important for stock funds to buy separately. I once lost 3000 on the fund, but I made a profit on the stock.
earn what you can earn DENGO, 29, investment adviser
This year I bought more than 20 stocks, including A-Shares and Hong Kong and US stocks.
I bought three or four A shares. I focus on undervalued stocks, such as financial stocks, and some new energy stocks that have not been tapped. The yield is more than 30%.
This year is said to be the first year of new energy, and the concept of new energy is strong. There is a solar energy. I bought it for more than 90 yuan in June and sold it for 110 yuan in July. Who knows, "sell fly" rose to 160 yuan in less than half a month. Several new energy stocks are like this.
so I think if you want to "short-term speculation", it's good to make the money you can make, which depends on your understanding and persistence. Beyond cognition, it's not the money you can make.
If you want to make money from a shares, you have to keep up with national policies. For example, at the 2021 central economic work conference held in early December, it was mentioned that "the economic work next year should be stable and strive for progress while maintaining stability", and the central bank announced on December 20 that the LPR (quoted interest rate in the loan market) was only reduced for one year and the five-year interest rate remained unchanged, which shows that the state intends to help small and medium-sized enterprises rather than invest in real estate.
Compared with a shares, US stocks are more suitable for value investment. The U.S. capital market is relatively mature, with few retail investors and many institutions. More than 80% of individual investors generally hold stocks for more than 5 or 10 years.
But this year's stock market is not good. I lost more than 100000 I made last year. Many people yearn for the foreign free market. This year's money is a shares.
This also confirms that "high risk, high return". No financial product has low risk, high return and very good liquidity. Even in our business, stock speculation is not 100% profitable.
In terms of funds, I bought new energy, medicine and securities funds with a comprehensive rate of return of about 30%. Except that index funds use fixed investment, others are invested at one time. If any fund falls sharply, I will increase my position and reduce the cost of holding positions.
Buy funds to do four steps. First, look at the global macro market and choose which national market; The second is to study the micro level, analyze individual industries and companies, and choose leaders or potential stocks; The third is to do risk management, mainly income expectation management; Finally, the investment mode, choose fixed investment or one-time investment.
This year's young people are really interested in falling in love, getting married and having children in general, but when it comes to making money, everyone is very enthusiastic and pays close attention to the big V of financial management. But I think you should follow the trend blindly. After doing the above four steps, firmly believe in your judgment.
there is also a major premise, using spare money for investment.
The fund has good liquidity. Generally, if it is not held for more than half a year, the purchase and redemption costs are relatively high, while many funds do not charge redemption costs for more than one year. I have bought my fund for more than a year and haven't taken it out yet.
Many people say that the A-share market can reach more than 4000 points in, which I personally think is difficult to reach. Next year may hover around 3400-3800 points. I am more optimistic about the consumption track that is underestimating the value.
The above summary is for reference only and does not constitute investment suggestions. (interviewees are very rigorous)
Deng Ying, 26, a Buddhist "piggy bank", is a white-collar worker in the company
There is a kind of financial management that makes your mother think you need financial management.
At the beginning of the year, my mother taught me to have a plan for money and wanted me to save money, so I chose two funds, one is the flexible configuration hybrid a of southern military industry reform, and the other is the theme hybrid C of ICBC Credit Suisse new energy vehicles.
I bought new energy because I bought a new energy vehicle last year. I think it is more promising. New energy increased by 67% in the past year, and military industry increased by 33.77% in the past year.
I put in hundreds of dollars a week, one or two thousand a month. The best yield is the first two months, and each one has a yield of more than 30%. At the highest time, there was nearly 40% income, but I didn't sell it, because I used it as a piggy bank and didn't take it out as a last resort.
I regret that I didn't invest more money before.
"Because the trend was upward at that time, if you invested more, the income would be higher?"
"no, my fixed investment amount is based on the current income level." (crying and laughing)
Several years ago, I also bought stocks and made more than 1000 yuan, but because I had to stare at the market every day, it was too troublesome to switch to funds. But I just look at the income every day and do nothing.
In a word, to sum up my financial management experience is the "Buddhist system". I bravely follow the national policies, select large industries that I know better, and see the allocation of funds. With the mentality of not losing money, it's better to have a higher interest rate than saving money.
I'm managing money, but I don't care about it. Zhang Yulu, 26, designer
I started my financial management about two years ago. At the beginning, I was influenced by a book "dog money". I think it is necessary to learn some financial management, so I started from the fixed investment of the fund.
I'll take a look at the overall income this year. Alas, I really didn't make a profit. It's roughly estimated that I lost 2 points, but I've exercised quite well in the past two years. Buying several Baijiu funds and taking longer liquor and medicine at hand, as everyone knows, this year's consumption rate is not expected to be returned. In fact, at the beginning of the year, I made a lot of money, about 40% ~ 60%. At that time, I thought that fixed investment would be regarded as saving money anyway, so there was no operation.
Others also bought the cycle hybrid, CSI 300 and CSI 500 index. In my opinion, the index should be stable, but I didn't expect that they didn't make any money.
a year later, I was still managing money, but money ignored me!
My operation habit is basically no operation. I also said that fixed investment is to save money. I basically take out 1 / 5 of my salary as financial funds every month. It's not urgent when to redeem. According to the market cycle, it may be two or three years or five years. Next, prepare to allocate some bonds. At least there will be no ups and downs.
Usually pay attention to financial news to see the market and plate market. The overall market this year is quite magical. From consumption and medicine to new energy, lithium battery and metauniverse, it's basically your turn. If you step on any tuyere, you'll probably make a profit. However, it is difficult to choose a suitable target. When the concept is hot, it is popular with a lot of people, and when it is cold, it is also fast. If the risk is not within my tolerance, I will not catch up with it.
I personally believe that learning financial management is a required course, and it is impossible to beat inflation by salary alone. In fact, there are many courses and books on the market that can help improve cognition. Each brokerage app also has a lot of relevant knowledge. The premise is not to be cheated by some so-called "finance and business courses"!
The expectation for next year means that we hope to be balanced and stable. We can't put eggs in one basket. In addition, I decided to try to buy stocks and strive to enter the science and innovation board as soon as possible (investment amount threshold)!
(times Finance)
