Financial management is "ripe circle"?

Investment must pass the professional threshold

　　The post-95 "old Christian" is the label best known by Chen Ming (pseudonym).

Because he bought stocks and funds when he was in college, and made a lot of money, friends called him the "stock god", and many people followed him to buy.

Since the beginning of this year, the domestic capital market has experienced great ups and downs, but there are more young people who take the initiative to speculate in stocks and buy funds, and some even start to delve into futures and virtual currency investment.

　　Active financial management has gradually become one of the habits of some young people, especially those born in 1995 and 2000.

According to data released by Yu'ebao, as of June 30, the amount of money saved through Yu'ebao Currency Fund after 1995 increased by 38% over the same period last year, while the value for other groups was 4.6%.

　　The Investor Behavior Research Report released by Rong360 shows that more than 50% of young people in first-tier cities enter the capital market to access financial management between the ages of 18 and 20. Among them, more than 20% of respondents are willing to spend 50% of their income. In terms of financial investment, more than 6% of respondents expressed their willingness to invest 70% of their income in stocks and funds; more than 80% of respondents have purchased funds, and more than 30% of respondents have speculated in stocks. 20% of the surveyed groups buy insurance, and the proportion of groups buying gold, bonds, etc. are more than 20%.

　　At the same time, however, the phenomenon of financial management becoming "rivaled" is also attracting attention.

　　Some post-95 "new foundations" began to pursue some fund managers.

At the beginning of the year, after fund managers such as Yi Fangda Zhang Kun and Zhongou Gelan went out of the circle, many young people pursued these fund managers in a way of chasing stars, and fans even established support groups.

　　Bai Bai has tracked and studied the investment and financial management concepts of Generation Z for a long time.

He found that the younger generations born in 1995 would be more willing to believe in the opinions of experts and KOLs (key opinion leaders), and even the phenomenon of financial management becoming "circularized".

"This generation prefers to follow trends and listen to the opinions of so-called professionals to make decisions, perceptual investment, and lack a professional and systematic way of thinking."

　　"They have been'on the market' earlier, but in fact they have not made enough preparations." Bai Bai suggested that post-95 retail investors should have sufficient risk awareness, manage income expectations, and take a long-term rational view of investment and financial management.

In short, you need to improve your financial literacy.

　　The "National Financial Business Education White Paper 2021" released by the National Finance and Development Laboratory pointed out that most ordinary investors in my country lack long-term financial education awareness. Faced with an endless stream of financial products and Internet investment channels, investors’ willingness to invest and investment There is a serious "dislocation" of skills, the effective supply of investor financial and business education is insufficient, and the matching of supply has not been significantly improved.

　　Southwestern University of Finance and Economics conducted a survey in 2019 and found that investors prefer investor education content such as "macroeconomic operation and development trend", "knowledge of various types of investment risks", and "learning about personal wealth management planning". The most important contents provided by financial institutions in investor education are "the popularization of basic knowledge of securities and futures", "introduction of new products and new policies," and "identification and prevention of illegal securities activities."

　　Feng Rui believes that many post-95 investors who have just entered the financial management market "chasing the rise and killing the fall" are essentially due to a lack of understanding of the investment target and a serious lack of patience. They always think about getting rich in the short term and cannot help the temptation of the market. A kind of "gambling" psychology.

In fact, investment has a certain professional threshold. In order to become qualified investors, contemporary young people need to face up to and receive investor education.

　　Gan Li, a professor at Southwestern University of Finance and Economics, wrote an article that the focus of Chinese household asset allocation should shift from real estate to financial assets.

He suggested that through asset managers, consultants, rating agencies and financial intermediaries and other institutions to obtain professional knowledge and advice, reduce the degree of information asymmetry in the financial market, more effective allocation of assets, so as to obtain long-term sustainable income; domestic finance Institutions can develop financial products linked to inflation, and appropriately increase some anti-inflation assets, so that investors who are able to invest have more choices.

"When you allocate assets, you should never have a'buy bottom' mentality and blind self-confidence. You should have a rational judgment on your own assets and don't raise your leverage too much."

　　Chen Ming has also seen a lot of ridicules on the Internet about buying funds and stocks after the post-95s, and even calling them the "chief queens", but he disagrees: "Who doesn't start learning from inexperience? What?" In his opinion, many suggestions need to be experienced before they can be experienced.

　　China Youth Daily and China Youth Daily reporter Wang Lin Source: China Youth Daily