Get out of the blindness of buying a fund
Recently, the term "fund" has frequently appeared in hot searches.
Here, the issuance of new funds is hot.
In just half a month, many "Sunlight Funds" were born, and even some funds raised more than 230 billion yuan in one day.
Over there, the new "Cimin" ran into the stadium.
Data show that among the newly added "basic people" in 2020, the post-90s accounted for more than half.
Some media found a very interesting phenomenon in the post-90s "basic people", that is, for these young people, the fund is not only a financial product, but also a social tool.
Funds have replaced celebrity gossip and become a new topic after 90s.
The post-90s also joked: “In these years, if you don’t buy a few funds and don’t know how many fund managers, you’re embarrassed to chat with others.”
And the distinctive feature of post-90s "basic people" also makes them like chasing stars when buying funds.
One of performance, love to chase big V.
The media survey found that in terms of obtaining investment information, unlike the post-70s and post-80s who regard traditional financial media as reliable channels, post-90s prefer big V or Internet celebrity anchors to "bring goods."
Performance two, love to chase star funds, such as liquor, consumption, new energy and other sectors that were popular some time ago.
Performance three, love to chase star fund managers.
Some fans brought fan circle culture into the fund circle, and opened fan support stations and Weibo Chaochao for fund managers.
The author once saw fund holders express their support for fund managers in a fund discussion forum: "Because you are handsome, I trust you."
This kind of "star chasing" buying fund not only makes the choice simple, but also brings a certain degree of blindness.
Some media found in interviews that although the post-90s "basic people" have greatly increased their awareness of risk control and are more vigilant against being "cut leek", they still have professional indicators such as the net value of the fund and the company's price-to-earnings ratio. In the mist, not very familiar.
To put it bluntly, many young "elementary people" lack their own independent judgment, and their investment behavior is mostly just following the trend.
So, how can we help these young "element" to get out of the blindness of "chasing stars" to buy funds?
The key is to improve the financial literacy of young people, so that they have sufficient knowledge of the market and have the ability to judge themselves.
In recent years, my country has vigorously promoted financial and business education and encouraged qualified colleges and universities to offer public courses related to basic financial knowledge to solve the problem of the general lack of financial knowledge among young people.
On this basis, we might as well learn from the United States, Britain and other countries to add personal financial management content to the curriculum of primary and secondary schools, so as to improve the financial and business education system from elementary school to university.
When more and more young people really know how to manage money, they can promote the investment and financial management of the entire society into a positive cycle, and we don't have to worry about young people being "cut leeks."
(Hu Jun)