我对投资理财的一些解读
踩踩 1作者：dongshusheng 发表日期：2008-09-25 复制链接 收藏
作为理财师，经常遇到一些客户问，董老师，投资那支基金更好，我买的某只基金现在损失百分知多少了，该如何办？我的股票被严重套牢，需要斩仓吗等等很多问题。我理解投资者不容易，把家里的一些家底拿出投资，是为了获得一些投资回报，“没想到今年会这样”，很多投资着这样说。当我问他们买的什么基金、知不知道基金也有亏损本金的可能、为什么买这支基金、这支基金有什么特点、基金经理的投资策略是什么时，大部分投资者不知道，也就是说，很多投资者都不清楚把自己的钱交给什么样的人去管理，自己具体买的产品都不了解时，就跟随大众一起购买了基金或者股票。大家想，在牛市普通投资者可能赶上好的运气，那么赶上一次、两次、还会有第三次吗？
投资是一项专业性很强的智力活动，并不是每个人都可以在资本市场游刃有余，就是专业投资者也不是每次都能把握住大盘的走势，看看中央电视台经济频道百家机构每天的大盘预测，我们不难发现，这些机构的分析师大部分预测是错误的。专业人士尚且如此，何况对投资不太了解的普通投资者呢？据前一段时间某机构调查，上半年90%的投资者出现了严重亏损，大家对中国股市已经失去了信心。这是一个什么样的投资市场呢？就像过山车，玩得是心跳，而心脏不好的可能就会突然死亡。
是不是可以避免或者减少损失的发生呢？我想，完全可以。只要普通投资者对金融知识有所了解，懂得适当设定投资止损点，懂得构建适当的投资组合，抽出一点时间学习投资理财知识，是完全可以减少损失的。但是在疯狂的市场，很少有投资者去静下心来，整个市场在疯狂，投资就会迷失方向。行为金融理论的一个显著特点被诠释的淋漓尽致。跟风吧，从众吧，大家都买还有错。每当听到这样的言语，我内心就感到悲哀，一个人靠一次两次走运是很可能的，但是好运会一直伴随吗？不会的，所以很多人把自己的家底交了学费，交给了市场，而这笔学费完全是可以剩下很多，我们本来可以用极少的学费学会减少损失，但是现在，却用了可能是几年的积蓄交了学费，太昂贵了,而且这个学费还会一直交下去，因为并没有从市场学到投资避险的知识。
国内现在成立了很多专业的第三方理财机构，完全站在客户的立场，为客户服务，做客户投资理财的管家，这是一种好的趋势，如果国内有足够多的投资者愿意成为他们的客户，损失肯定不会象现在这样如此惨重。但是绝大部分投资者就是不舍得拿出极少的钱去聘请自己的专业理财师，而是愿意看着自己的资金在股市基金市场一天天缩水。这样的投资者，我想，应该好好想一想，算一算，那个合适呢？
曾经一个客户问我，董老师您能保证我的资产增值吗？我问他，你的预期收益是多少，他说每年30%，我问他你愿意冒多大的风险呢，投资期限是几年？这位投资者说要保证本金，一年期限，我说我做不到，不想冒风险，还想高收益的投资者遍地都是，把钱放在银行保险，保险的资金在贬值，购买货币基金保险，但是收益就是3-4%之间，类似去年的千年的行情几年才能遇到一次呢？
投资增值需要时间，一个好的综合理财方案，可以使客户资产在平稳中获得很好的收益，而且家庭不会因为突然事故出现财务危机，牛市中，我们获得平均的市场收益，熊市中，我们可以让客户的资产尽可能减少损失，这是我们的优势，也是我们的专业所在。
理财，每个家庭都需要，每个人都需要，问题是，你学会理财了吗？你的家庭出现财务困境的时候你是否不知所措呢？在你遇到财务困境的时候，你想到寻找专业的理财顾问了吗？
你是否想实现自己的财务自由之路呢？
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