When you play, you have to remember to spread the risk.

January 15 News, Investment has a sentence of thousand annuity, called "do not put eggs in a basket", said to be aware of the spread of risk.

The author today sees an eternal Jijue investment case, feel must take out to share with everybody. In the case of the hero perfect follow this sentence, but still by the end of the run Tide defeated.

That's the story. According to media reports, an investor in Wuhan has 500,000 of spare money, and can not see the profitability of banking, so after a study, he decided to invest Peer-to-peer. To diversify the risk, he has invested 30 platforms, with an average investment of no more than 20,000 per family. Sounds witty, huh? The table was anxious, more witty in the back.

He also estimates according to the probability, in the rate of return in 15–20% situation, even if every two months, he can guarantee not to make money, as long as the frequency below this value, can be profitable. Witty he carries an investment report every day, looking at the situation on every platform at any time. Before the arrival of December, he did make money last year, but in the platform he cast, he collapsed 6 in December.

NET loan industry's dark December, in this example performance incisively and vividly. The classmate lost a year's profit in one months, but also put some principal. Tricks is too clever to lose the daqingqing principal.

To reflect on this case, there are at least two issues that need to be considered together.

First, is such a decentralized arrangement appropriate? It must be admitted that the investor is aware of the risk of diversification, but not properly handled. The first manifestation is that all capital is put in a peer-to-peer, which is obviously not sensible enough. Relatively large capital, the more appropriate arrangement is in the commodity, bonds, financial and other low-risk products and peer-to-peer, stocks, futures and other high-risk products, in accordance with a certain proportion of the investment in some capital. Second, before investing, we must have a better understanding of the platform, choose seniority and Word-of-mouth are good, rather than simply the more the better.

Second, a cliché, try not to choose a high yield platform and products. According to the net loan "2014 Net loan Investor Questionnaire" results, 35.23% of the investors choose 15%-20% yield Platform, 3.06% of the investors choose 30% and above high interest platform. To be aware, high yields mean that borrowers have to bear high costs, not all borrowing projects have matching profitability. We all know this, but we may not be able to stay sane before the temptation of high interest. Anyway, poor and timid author, only dare to consider the products under 10%.