How to invest in long-term stock market to make money?
No.65438 +0, do a good job in long-term continuous trading planning.
Running out of funds is often the biggest concern of many retired traders. According to life-span survey data, nearly 50% of retirees (65 years old) will generally live another 25 to 90 years. For investors, if the funds have been exhausted in these 25 years, it is of little significance. Therefore, the key for investors to keep a steady stream of funds is "Qian Shengqian", which requires portfolio investment such as stocks.
Cash is not always "king"
Many investors will think that cash is a safe haven in times of sharp fluctuations. However, with the advent of the era of negative global interest rates, ultra-low interest rates are gradually devouring the income of cash investment tools, even lower than the inflation level. Since interest rates will rise with the gradual tightening of Fed policies, investors should ensure that the share of cash investment is not too large, so as not to hinder the realization of long-term investment goals.
Third, stick to principles and avoid being emotional.
Trading with too much emotion often ends in bad results. According to a survey by Dalbar, a market research company, in the past 20 years, the average return of investors with the same fund barely reached 2. 1%, while investors who combined stocks/bonds according to the ratio of 3 to 2 benefited an average of 7%. Such a big contrast is mainly because the former is more emotional, which leads to the wrong admission time. In order to avoid the "emotional inertia" of human beings, investors are advised to make joint decisions with reliable consultants, and at the same time adhere to the principles and implement them according to the formulated plans.
No.4 learn to treat "fluctuation" with a normal heart
It is really normal for the market to fluctuate. Every year, there are some twists and turns in the market trend, and investors should learn to treat them calmly. The red dot in the chart below is the biggest annual decline of the S&P 500 index. Surprisingly, in the past 35 years, the stock market has experienced a consolidation of at least 10% in 22 years, but 75% of the consolidation ended in an increase in yield (the gray bar below shows the yield). Investors can make strategies based on past fluctuation history, not just feelings.
Fifth, judge the "good day" and "bad day" of the transaction.
Sometimes, investors think they can control the market, and sometimes, fear or greed makes them emotional and make illogical decisions. Once you miss the best opportunity to enter the market, you may lose the opportunity to improve the return rate of your portfolio. According to statistics, during the period of 1996 65438+ 10 from October 2 to 2015 65438+February 3 1 day, six auspicious days in 10 occurred two weeks after the "crash day".
Sixth, diversified portfolio management.
In the past 15 years, investors have experienced many storms in the market, from natural disasters and geopolitical conflicts to extremely bad bear markets. During this period, cash is the worst performing investment product, while the average annual income of investors in diversified portfolios of stocks, bonds and other related assets is 5.6%. The rational allocation of portfolio assets is conducive to maximizing income.
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Finally, remind investors that stock trading is risky. Please keep a good investment attitude while entering the market cautiously.