投资中最重要的原则是什么？
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17 answers
There is one basic rule - you have to multiply your funds, not lose :) And more seriously, you must first get to know yourself as an investor, because a beginner, experienced, younger, older, poor or well-off person behaves differently, etc. Too often a badly chosen strategy investment ends up worsening the life situation and even leads to many personal tragedies. You have to answer the question about the acceptable level of risk, i.e. what loss in the event of failure we can afford without harm to the wallet or psyche. In addition, we conventionally divide investments into short-term (up to 12 months), medium-term (usually 2-4 years) and long-term (over 5 years), and most often long-term investments are safer than others, although they do not always generate the greatest returns. A young person has a lot of time to try out different financial instruments, so he may risk more to multiply his (usually small) capital than a person approaching retirement, for whom the most important thing is to preserve the accumulated funds and protect against the effects of inflation. You have to adjust the strategy to yourself and remember to diversify according to the old stock exchange saying "do not put all your eggs in one basket". Cryptocurrencies have been a very profitable asset in recent years, but at the same time extremely risky. For this reason, it won't be a good idea to put all your money into your crypto investment (unless you are only interested in bitcoin or ethereum and are willing to wait a few years for profits while keeping your cryptocurrency in a safe wallet rather than the exchange) as the risk of losing them is big due to possible hacker attacks, collapse of stock exchanges or specific projects, unfavorable regulations, loss of wallet keys and much more. This is not an investment advice, but an exemplary portfolio of a beginner who wants to invest in the long term, I would divide it between various instruments, e.g. 50% in safe assets such as bonds, low risk investment funds, etc., 40% in Polish and foreign stocks and 10% in the most risky cryptocurrency type assets. In case of failure, you won't have to start from scratch, and you can always make changes to these proportions after getting financial education. To sum up: diversification, protection of funds against loss and adapting the investment strategy to your life situation and mental resilience.
There is one basic rule - you have to multiply your funds, not lose :) And more seriously, you must first get to know yourself as an investor, because a beginner, experienced, younger, older, poor or well-off person behaves differently, etc. Too often a badly chosen strategy investment ends up worsening the life situation and even leads to many personal tragedies. You have to answer the question about the acceptable level of risk, i.e. what loss in the event of failure we can afford without harm to the wallet or psyche. In addition, we conventionally divide investments into short-term (up to 12 months), medium-term (usually 2-4 years) and long-term (over 5 years), and most often long-term investments are safer than others, although they do not always generate the greatest returns. A young person has a lot of time to try out different financial instruments, so he may risk more to multiply his (usually small) capital than a person approaching retirement, for whom the most important thing is to preserve the accumulated funds and protect against the effects of inflation. You have to adjust the strategy to yourself and remember to diversify according to the old stock exchange saying "do not put all your eggs in one basket". Cryptocurrencies have been a very profitable asset in recent years, but at the same time extremely risky. For this reason, it won't be a good idea to put all your money into your crypto investment (unless you are only interested in bitcoin or ethereum and are willing to wait a few years for profits while keeping your cryptocurrency in a safe wallet rather than the exchange) as the risk of losing them is big due to possible hacker attacks, collapse of stock exchanges or specific projects, unfavorable regulations, loss of wallet keys and much more. This is not an investment advice, but an exemplary portfolio of a beginner who wants to invest in the long term, I would divide it between various instruments, e.g. 50% in safe assets such as bonds, low risk investment funds, etc., 40% in Polish and foreign stocks and 10% in the most risky cryptocurrency type assets. In case of failure, you won't have to start from scratch, and you can always make changes to these proportions after getting financial education. To sum up: diversification, protection of funds against loss and adapting the investment strategy to your life situation and mental resilience.
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2. Invest only as much as you can lose. Do not take credits or loans. Invest only with your saved money.
3. Have a financial cushion (cash aside money). Minimum of one full payout, preferably 3 or more.
4. Choose one or two channels on yt, watch, write down on a piece of paper what you do not understand and then search the Internet. Slowly, gradually, everything will start to brighten up.
5. Start investing in easier and less risky assets such as precious metals, stocks and leading cryptocurrencies. The profit is less, but we have to learn to control our emotions. Better to learn to swim in a pool than in the middle of the ocean. One of the main skills of investors and traders is the art of controlling fear and greed.
6. At the beginning, invest with a spoon, not a ladle, so not everything at once, but start with smaller amounts (see point above). I usually recommend no more than PLN 1000 for the first time.
7. Over time, try to diversify your assets. It is both about type and place. E.g.:
-20% cash in various currencies, both in a bank account and "in an envelope";
-20% precious metals - only one ounce coins;
-20% the most reliable long-term cryptocurrencies such as Bitcoin and Ethereum;
-20% stable coins for staking (a certain profit of about 10% per year);
-10% altcoins - higher risk but more interesting profits (sometimes 100% or even 10,000%).
-10% stocks or ETFs
Cryptocurrencies are also best kept in different places (different exchanges / wallets), but more on that later.
This is, of course, only an exemplary portfolio that was supposed to show what diversification is.
You have to remember that in the market you can also lose. It is very likely. You have to think not only about how much you earn, but also how much it may disappear from your account. If you are not ready for it, choose the stable coin staking option. Then you have a guaranteed 10% per annum. And so, it is much more than in the case of bank deposits. You can of course also think about buying gold or silver. These 3 options that I have listed require the least effort and time and are not that very risky.
2. Invest only as much as you can lose. Do not take credits or loans. Invest only with your saved money.
3. Have a financial cushion (cash aside money). Minimum of one full payout, preferably 3 or more.
4. Choose one or two channels on yt, watch, write down on a piece of paper what you do not understand and then search the Internet. Slowly, gradually, everything will start to brighten up.
5. Start investing in easier and less risky assets such as precious metals, stocks and leading cryptocurrencies. The profit is less, but we have to learn to control our emotions. Better to learn to swim in a pool than in the middle of the ocean. One of the main skills of investors and traders is the art of controlling fear and greed.
6. At the beginning, invest with a spoon, not a ladle, so not everything at once, but start with smaller amounts (see point above). I usually recommend no more than PLN 1000 for the first time.
7. Over time, try to diversify your assets. It is both about type and place. E.g.:
-20% cash in various currencies, both in a bank account and "in an envelope";
-20% precious metals - only one ounce coins;
-20% the most reliable long-term cryptocurrencies such as Bitcoin and Ethereum;
-20% stable coins for staking (a certain profit of about 10% per year);
-10% altcoins - higher risk but more interesting profits (sometimes 100% or even 10,000%).
-10% stocks or ETFs
Cryptocurrencies are also best kept in different places (different exchanges / wallets), but more on that later.
This is, of course, only an exemplary portfolio that was supposed to show what diversification is.
You have to remember that in the market you can also lose. It is very likely. You have to think not only about how much you earn, but also how much it may disappear from your account. If you are not ready for it, choose the stable coin staking option. Then you have a guaranteed 10% per annum. And so, it is much more than in the case of bank deposits. You can of course also think about buying gold or silver. These 3 options that I have listed require the least effort and time and are not that very risky.
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It can be said that investing is easy to learn, hard to master. The basics are fairly easy, but you need years of experience to jump to the level of expression. Investing is not a casino. You need to have your own rules to make investing easier. I will give you some of my suggestions.
- Do not increase the position that is losing.
If something started to pay off, don't keep investing your capital in the hope that the rod will turn around and you will start making money again. By withdrawing in time, you will be able to continue investing.
- Make friends with the bull market.
One of the most important rules that will bring you profits. If the company in which you have invested your savings improves its results and is well managed, the rate will increase systematically. Remember to be patient and let your capital grow. Even the actions of speculators will not prevent the market Hawkia from growing.
- Quickly cut your lunch losses.
It is very naive to believe that a falling stock price will bounce back quickly. It is important that you understand the true value of the companies you have invested in. Of course, it will be difficult to implement, because who of us likes to admit we are wrong?
- Let your capital grow.
Get rid of the rule that you sell when your stock price reaches a profit of 20-30%. If the assumed ceiling is reached, it is worth considering whether the comma will not continue to grow. You should get the most out of each investment.
- Don't Trade Without Security.
When trading futures, you can use a Stop Loss Defense Order to protect you from huge losses. The mechanism is basically risk and capital management.
- Don't invest in falling off the shelf.
Many investors think that by buying companies that are losing heavily, they will make significant profits over time. This is wrong thinking because we are unable to estimate when the company will stop losing. It may happen that the company will fall by several dozen percent and we will lose all capital.
- Diversify your investment portfolio.
Don't focus on one investment. By spreading your capital into several or a dozen items, you will reduce the risk of losses. Assume that the loss on one investment cannot exceed 2 or 3% of the value of your portfolio.
Of course, you shouldn't have very many positions because you won't have a chance to control them effectively. Limit yourself to a maximum of 20 entities.
It can be said that investing is easy to learn, hard to master. The basics are fairly easy, but you need years of experience to jump to the level of expression. Investing is not a casino. You need to have your own rules to make investing easier. I will give you some of my suggestions.
- Do not increase the position that is losing.
If something started to pay off, don't keep investing your capital in the hope that the rod will turn around and you will start making money again. By withdrawing in time, you will be able to continue investing.
- Make friends with the bull market.
One of the most important rules that will bring you profits. If the company in which you have invested your savings improves its results and is well managed, the rate will increase systematically. Remember to be patient and let your capital grow. Even the actions of speculators will not prevent the market Hawkia from growing.
- Quickly cut your lunch losses.
It is very naive to believe that a falling stock price will bounce back quickly. It is important that you understand the true value of the companies you have invested in. Of course, it will be difficult to implement, because who of us likes to admit we are wrong?
- Let your capital grow.
Get rid of the rule that you sell when your stock price reaches a profit of 20-30%. If the assumed ceiling is reached, it is worth considering whether the comma will not continue to grow. You should get the most out of each investment.
- Don't Trade Without Security.
When trading futures, you can use a Stop Loss Defense Order to protect you from huge losses. The mechanism is basically risk and capital management.
- Don't invest in falling off the shelf.
Many investors think that by buying companies that are losing heavily, they will make significant profits over time. This is wrong thinking because we are unable to estimate when the company will stop losing. It may happen that the company will fall by several dozen percent and we will lose all capital.
- Diversify your investment portfolio.
Don't focus on one investment. By spreading your capital into several or a dozen items, you will reduce the risk of losses. Assume that the loss on one investment cannot exceed 2 or 3% of the value of your portfolio.
Of course, you shouldn't have very many positions because you won't have a chance to control them effectively. Limit yourself to a maximum of 20 entities.
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2 likes
Personally, I think that the first step that should not be forgotten should be learning to manage the cash we already have.
Our investments (even profitable ones) are useless if we do not know how to manage what we have and spend as much as comes to our account.
So the first step is to record all (absolutely all) expenses that we make. This is the first step to taking control of your finances.
Personally, I think that the first step that should not be forgotten should be learning to manage the cash we already have.
Our investments (even profitable ones) are useless if we do not know how to manage what we have and spend as much as comes to our account.
So the first step is to record all (absolutely all) expenses that we make. This is the first step to taking control of your finances.
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See, Morawiecki sold the land and bought bonds. It was a signal to all investors in real estate. Look for such signals.. Especially when you invest reasonable amounts.
See, Morawiecki sold the land and bought bonds. It was a signal to all investors in real estate. Look for such signals.. Especially when you invest reasonable amounts.
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2. You only invest your own money. Not on credit, not borrowed from family. The reason is similar to pt. 1
3. Don't waste your money :)
2. You only invest your own money. Not on credit, not borrowed from family. The reason is similar to pt. 1
3. Don't waste your money :)
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He won't let the money go away when he manages to earn a lot :)
He won't let the money go away when he manages to earn a lot :)
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