35 year old programmer fired Luna millions of assets and returned to zero in three days. Netizen: it's the same as gambling

Today, I almost saw a “ Miserable ” 's post ：

Read the report carefully ： This guy is Luna stay 2 dollar -20 Bought during the period of USD , The total cost is less than 30 ten thousand .

In fact, this is the end of the loss 30 Ten thousand , Not at the highest point 1000 ten thousand . But people are greedy , When it goes up, I think it's my own , I thought I had lost so much when I lost .

It's funny , Originally, no one is a speculator , To put it bluntly, it is all hindsight 、 Like a pig in advance .

If you are lucky, you will say that you have unique vision , The market is to blame for bad luck . I dare to put so many air coins in it , This programmer must have a lot of money .

If you have money, make it , Just buying this kind of currency is not called investment 、 It's called gambling ！ Since it's gambling , Then it's good to admit defeat .

Recently, many friends asked me how to invest and manage money 、Web3.0 It's not reliable 、 Whether to buy a house or not , To tell you the truth, the environment is really bad now , If you are not sure, the best thing is that cash is king .

I also talked about investment and financial management , But more from 「 Avenue 」 From the angle of , I haven't talked about specific practical operation , Talk to you today ：

1. investment Web3.0 It depends on it or not

Let me tell you the truth first ： It is not allowed in China Web3.0（ Coin making 、 Engage in digital finance ） Of , At present, it seems that this thing is essentially cutting leeks .

Current stage Web3.0 The frightening landing of the concept is actually all kinds of air coins , Like this Luna, In the end, the probability is that the publisher is making money , Leeks are crying .

If you think you can be a sickle instead of a leek , Consider going abroad to be a publisher , After all, in order to control systemic risks in China , Basically, this thing will not be opened .

In addition, the recent digital collections are quite hot , The prices of many collections have soared hundreds of times , There is no essential difference between personal views and air money , Of course, a thing can't be seen through when it is covered with art , If you want to invest, pay attention to risks , Don't think about making a fortune .

In a word ： Investing in these things is gambling , Gambling is risky , It's not impossible to lose everything .

2. About to buy a house

Recently, the state has issued many policies to encourage people to buy houses , For example, the loan interest rate has dropped , The interest rate of the house loan has been approaching in just two months 6% drop to 4.25%、 Another example is the support for real estate companies .

But the students who buy houses must be cautious , I wonder if you have noticed a small detail recently , Big cities are trying to liberalize their purchase restrictions , Without exception, they were quickly stopped .

Let's think about the reasons for this , For the sake of safety, I won't say so thoroughly .

There is another set of data ：2021 The birth population in China was only 1062 ten thousand , But the real estate was sold 1000 More than a .

The inflection point of real estate has undoubtedly come , Chinese houses used to be 20 The myth staged in will certainly be broken in the future .

Unless you just need （ Don't buy a house, the kind your mother-in-law doesn't agree with ）, Unless it is the core area of Beijing, Shanghai, Guangzhou and Shenzhen , Don't buy anything else if you can .

In addition, we must pay attention to the loan ratio , Don't let yourself carry high debts for decades , Once the future is not up , FA can't be merciful .

3. About stock speculation

This question has also been asked by many students , Like fried A stocks 、 Hong Kong stocks or US stocks ？ What kind of stock is better to buy ？

First of all, I suggest that US stocks ,A Gu Taiyao doesn't say much here , Anyway, I am hold I can't live , The liquidity of Hong Kong stocks is relatively poor .

Secondly, I suggest that as a retail investor , Be sure to make value investments , It depends on the company's track 、 Growth rate and CEO Vision .

What do retail investors see in the short term K The line diagram is basically green leeks , But retail investors can really make money if they choose to hold a growth stock for a long time .

4. Fund management and insurance

Funds and insurance are actually low-risk investments , For example, the essence of yu'e Bao is also a fund .

As long as it is a fund, there are risks , Basically, the higher the interest rate, the greater the risk , In order to get a higher interest rate, many friends will directly choose the popular products recommended by the government on platforms such as Alipay , In fact, this is not quite right . The official hot spot only represents the yield in the past , Once officially recommended , The interest rate will come down when the fund plate is large .

To pursue high interest rates, we must learn to choose by ourselves , Funds can be divided into the following three categories according to different classification standards ： Growth funds 、 Income fund and Balanced Fund .

The interest and bonus of income funds will be distributed , Low risk , But the interest rate is lower, and the bank is about the same , But it can be used to dilute the risk .

A growth fund is equivalent to a trader helping you speculate in stocks , Risk volatility fluctuates with the stock market , The risk is great but the benefit is also great , Novices do not recommend .

I suggest you buy a balanced fund , Pursuing the preservation and appreciation of assets , Also pursue risk reduction .

Insurance , It's no big problem not to buy when the economy is good , Recently, I suggest you configure some , Especially the major disease insurance and accident insurance , It can prevent a rainy day .

Write it at the end ：

There are also some conservative investments , Such as gold 、 National debt and so on will not be introduced one by one . The core of investment and financial management is still to pay attention to distribution ： Low risk 、 Medium risk 、 High risk compliance 6:3:1 Or other fixed proportion , Make sure there is not too much risk .

Sometimes be patient , Especially when it comes to getting rich , Getting rich slowly may be a better situation .

Blindly pursuing sudden wealth leads to various traps for honor , Finally, it becomes the fattest big leek .

So much for today , See you next time ～