Baohong industry | what misunderstandings should we pay attention to when diversifying investment

as everyone knows , Pay attention to investment and financial management “ Don't put the eggs in the same basket ”, Modern portfolio theory advocates holding different and non positively correlated portfolios , The theory holds that , Some risks have nothing to do with other assets , Diversification of investment objects can reduce individual risks .

But for the lack of investment experience , For those who do not have professional financial knowledge , It's hard to really do this , Often go wrong , Produce extreme situations such as excessive dispersion and false dispersion . today , This article will take stock for you , What misunderstandings should we pay attention to when diversifying investment .

Baohong industry is a wealth management company that provides diversified investment and other transaction services for users , To provide customers with safe and reliable 、 High quality and convenient trading services , Has extremely rich experience in international financial markets , And provide customers with personalized investment solutions , Help customers achieve their wealth goals .

Mistake 1 ： Ignore the security of the financial management platform after diversification .

Many people think , After diversification , There is no need to inspect the security of the financial management platform , Because he thought it was thunder 1,2 home , Your own rate of return can also cover , So there is not much to examine the security of the platform , Cast blindly . Investors with this mentality , Often they will eventually embark on a routine of pursuing high returns regardless of risks , Invest in whichever has a high return , Because he wants to pursue income to cover bad debts .

 

As soon as it turns out , Thunder is more than 1,2 home , Your principal may be running out . Dispersion must be right , But dispersion is not equal to blind investment . If you put a pile of garbage on the platform , It's better to hand over the user funds of a heavy warehouse such as fangyidai to the bank for custody , Adhere to the positioning of information intermediary , And the annual income can reach 14% Stable financial management platform , In this way, the risk is lower .

Mistake 2 ： Diversify investment , The more dispersed, the more .

Such dispersion is wrong , The real decentralized investment is not that the more platforms you invest, the better . Decentralized investment should not be too decentralized , Once scattered too much . Not only can it not play the role of avoiding risks , There is also the possibility of increasing risks .

Because we don't have much time and energy to invest , If there is too much dispersion , It is difficult to manage . Such diversified investment , It often backfires . Too scattered will increase the probability of stepping on thunder , And the time cost increases . therefore , The core of decentralized investment is not that the more platforms you invest, the better .

The decentralized investment understood in this article is a kind of “ Relatively concentrated , Moderate dispersion ” The state of . The real diversification of investment is the differentiation of choice . therefore , The real diversification of investment should be “ Select platforms 、 Finite dispersion ”.