Greed is the devil.

1. Greed makes us blindly follow suit.

The Chinese people's blind follow-up is manifested in many aspects, big to the car house small to teeth toothbrush, and sometimes even the pet's hairstyle to follow suit, indeed the follow-up does not produce lethal risk, but in the stock market will be 100% of the risk of loss and the fund is usually 70% of the risk of loss. We are greedy, because everybody makes money, we do not earn that thanks to AH or is the previous investment made a lot of money, in order to earn more even the house has been mortgage copy fund, is not able to mortgage wife and children, or may also change money to copy fund, and cry when only remembered to forget the risk of financial diversification principle.

2. Greed makes us not listen.

All the print media, including the Sohu banking screen, were intoxicated with a benign judgment of the financial markets throughout the year, with insufficient attention to the anti-market warnings because the CTR was not high and newsworthy. The same situation occurs in the manager-Sales manager-analyst-Investor four, they do not listen to the negative views, the risk of prevention is completely taboo, when the problem arises and will not reflect on their own risk prevention awareness of the financial market in the continuous higher adjustment of the lack of preparation, But accused Cheng Siwei of harming China's financial markets, who have seen a surge of financial markets without adjustment. Can you give me an example.

3. Greed has left us alienated from the asset allocation.

The family allocation of capital usually includes all financial products, including the stock market and the bond markets in the opposite direction of the athlete. Usually these two markets will reflect a country's economic situation, because they are theoretically not prosperous at the same time, but because of our greed and forget the bond market, including other financial and investment channels, and fully into the ranks of full-risk financial capital, Is capital allocation just to avoid risk? Of course not, capital allocation is to reasonably arrange financial objectives.

4. Greed makes us forget our own risk tolerance.

Theoretically, the greater the age of the more capital households usually can afford a higher net capital risk, but the proportion of total assets is relatively small, and we unfortunately see that in the fund turmoil in the final entry into the fund market is usually older retirees, and, the investment is usually not low, On the contrary, it is very planned and rational for young people who have a stronger risk tolerance. Therefore, I have always stressed that the sunset financial management is a harmful concept, the age of sunset is to enjoy the financial results of the age, rather than continue to venture capital age.

5. Greed makes financial institutions forget about morality

Whether through the stock market or the international foreign exchange market to invest in financial institutions in the design of their own products, in the interests of the past has forgotten their moral bottom line, as long as the market needs and sales of good can be, As for the pre-notification of risk and the accounting method of actual income, the city is written on the contract through a pen and small to almost invisible words. And sales people, including wealth managers, are almost the same starting point in serving their own interests and what our regulators are doing. There's tea.

Although greed is human nature, but some people and institutions to use the risk of financial markets and opaque to gain benefits entrap people, it is not simple investment and moral issues, we should also be in line with China's financial industry for the long-term development of the financial industry early standard multi-audit and supervision, Our country's financial market can go to a benign development road, our people can be assured of investment, or leave the people of the financial industry is like leaving the water goldfish, even if it is made of gold, and can persist for how long.