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The less capital you have, the more you should buy stocks

2023-01-25 11:42:36snowball

来源:雪球App,作者: 睿知睿见,(https://xueqiu.com/1843761023/240597013)

A reader recently asked an interesting question:我只有10万元本金,Is it worth investing in stocks??如果买,How many stocks should I buy??

I have a look at this problem,于是问:Do you want to use10Ten thousand yuan through the stock market make a several times?

他沉默了一会,说:you see through!

首先要说明,Anyone who wants to get rich overnight through stocks,In the end, there is basically no good end.

接下来,let's take a closer look,When the capital is too small,Is it worth investing in stocks??How many stocks should I buy??

一、The less capital you have, the more you should buy stocks

Although the idea of ​​getting rich overnight through stocks is bad,But I personally think that even if the principal is small,Should still invest in stocks.原因如下:

首先,本金少,Trial and error cost was low

When anyone first enters the stock market,will definitely be educated.亏个30%一点也不奇怪,Some people even entered the market during the stock market crash,亏了70%的也有.

when your capital is small,Even if you lose70%,We can bear this loss.

一般来讲,people with low capital,usually young people.They should test the waters in the stock market while they are young.

如果等到40岁了,Rush into the stock market with millions of funds ,encountered a plunge,It is estimated that the whole person will collapse.

If an old man has only10万,I believe he probably won't have the guts to enter the stock market,These elderly men most eager to save Banks!(It is not ruled out that there are such people)

其次 ,After being educated by the stock market,结果都不差

After being slapped in the face by the stock market,Usually three results.

其一,curse and leave,逢人就说:The stock market is a slaughterhouse,don't go in.

So he may be a lifetime will not to learn to investment,Also not into the stock market.At least won't stumble in the stock market.(Although doomed to be cleaned up by inflation)

其二,After a loss, start to study hard,And gradually start to make profits in the future bulls and bears.

These people are likely to be40You can have a considerable passive income around the age of,even higher than active income.

其三,Find out that the stock market is not a place for ordinary people,So just work hard at work and career,Income increases year by year.

由此可见,Lose money early in the stock market!

Of course, many people treat the stock market as a casino,No matter how many times I lose, I don’t think about it,Every time the top of the bull market will rush in to gamble.that's really hopeless.But I believe that this kind of person is mostly a failure in life and work.

二、Key Factors for High Yield

People with less capital,The more you want to get higher yield.(it's a poison)

To obtain high returns in the stock market is nothing more than three key factors:

1.To buy shares in a high elasticity;

2.long-term business;

3.avoid big losses.

First look at the high elasticity!

That kind of ghost shares don't want to,Those who can be caught are basically lucky.Because the day before it turned into a monster,Everyone looks at it very inconspicuously.

out of luck,To find a stock with high elasticity is nothing more than two conditions:or high performance growth;Either there is too much room for valuation repair.

Judge the performance of high growth to the market、Industries and enterprises have strong insight.

And there is a lot of room for valuation repairs, which usually happen in a bear market.

要同时满足两个条件,We need to have insight,Must have the ordinary people do not have patience and courage!

我认为,Waiting for a bear market is something almost everyone can do!但有能力做到,Doesn't mean it can be done in reality!Most people feel itchy when they hold cash in their hands,It really doesn't help.

Second, look at the duration of the business

Many people don't care about duration.Because I always want to make a buck and run away.

但事实证明,Most people can't run away at all.On the contrary, it goes up as soon as it sells..

Some people do have and ran away.But most people can run away, monks can't run away from the temple,run for the first time,can't run a second time.

If we use probability to count,You will find that this so-called top escape is just casual talk.

Why are these people running in such a hurry??Because the duration of corporate performance growth is uncertain,The stock price may drop sharply at any time.

Only the kind of business that can continue to grow for a long time,The stock price will rise in a slash.比如,茅台,云南白药,格力电器,招商银行等等.

buy this stock,It doesn't matter if it's a bit expensive,as long as you hold on longer,can make a lot of money.

Most of the short-term skyrocketing and plummeting stocks are cut leeks,Few people really make that money.After all, this kind of stock doesn't even know its value.,Then there is no way to talk about when to buy and sell!Seeing him go up,一阵兴奋.没多久,fell down in an instant,still have to go out.

第三,no large losses

If your total money retreats50%,You have to double the price to pay back.Is it easy to double?

按照年化25%计算,double it3年时间.别忘了,25%The long-term annualized return is at the level of a master.

Once you have a big loss,Basically nothing to do with high returns.比如2021The group of people who rushed in at the top of the year,It is estimated that it will have nothing to do with high returns in at least three years.

You can think about it,Is it difficult to obtain high income.

三、想要高收益,You also need to focus position

High returns need to be paired with highly resilient stocks.But if the position is too spread,效果就大打折扣了.

So you have to concentrate your holdings.多少合适呢?不能超过5个.

现在问题就来了!

第一,你得从5000There is great flexibility in choosing among multiple stocks,And I have a very confident stock.

what is confidence?you dare to buy,I won't be in a hurry to settle down if the price rises.否则,High returns are not for you.

第二,usually highly resilient stocks,lack of certainty.

There are very few stocks with high elasticity and high certainty at the same time.and your energy is limited,Even if such stocks do appear,You probably won't notice.即便关注到了,Your previous research on it was limited,I don't dare to do it lightly.

第三,持仓集中度高,Portfolio volatility is big

所以,you must have a good heart,otherwise fluctuate,you are likely to enterICU.

and the greater the volatility,the easier it is to hold.

比如,If a stock you buy goes down50%,You still have the confidence to continue holding,And believe it will rise back up?

我见过太多的人,Say you can afford it before buying30%ability to fluctuate.但实际上,跌个10%already fidgeting.

Even if you really hold it,wait until the stock returns,sold immediately!how does this make money?sell for money,Volatility tolerance must be very low.doomed to make no money.

Some people still dare to bet on a single stock,I admire this kind of courage.But they are in the process of holding,Most of them are going crazy.

Concentrating positions is not an easy task,We need to have an extremely deep understanding of these stocks,That far exceeds the general perception of the market.

如果做不到,You are most likely to face high losses,In the event of a substantial loss,Nothing to do with high income!

四、The investment portfolio of ordinary people should have both certainty and high elasticity

Everyone's investment portfolio should be suitable for them.I think most people high elastic stock is hard to do the whole storehouse.

Most people have a mix of both in their portfolios.

There are several principles for reference:

1.高确定性、Reasonable Yield Stocks as Defenders,Guarantee at least the minimum income,It will not make the combination draw back too large;

2.确定性低,But the elasticity of the stock when the striker,to obtain excess income,As for what percentage of configuration will vary from person to person;

3.Highly certain and resilient stocks,then step on it,But this kind of opportunity is rare;

4.Shares of certainty and flexibility are low,Then just throw it in the trash.

我用2An index to briefly introduce.

Some readers asked me whether I should buy it or not.,还是买沪深300

我的回答是:You have a strong tolerance for volatility,can be considered,否则就沪深300.如果你不太确定,It depends on your confidence in the two indices.You understand Shanghai and Shenzhen better300,Just allocate more positions,比如70%,剩下的30%Probability of buying.

Most people don't think about their own situation at all before buying,Depends on who has the highest expected return.The expected return is high,But how many people cut their flesh in the darkest hour of last year,最大回撤70%呢!How many people can bear it?

From my personal observation,Most people's volatility tolerance is not enough,So they are more suitable for the configuration higher proportion strong underlying uncertainty,Use small positions to make highly flexible targets.

Otherwise, even if the target with high elasticity rises several times,but they are usually up20%就卖了.

Think about Maotai back then.很多人都买过,long-term holders,少之又少!But if your position makes you feel comfortable,Then you can hold it for a long time.

五、总结

资金量小,What if I want to earn more money??

第一,buy highly resilient stocks;

第二,To concentrate on holding positions,不能超过5个股票;

第三,long duration,Otherwise, it will fluctuate greatly,根本赚不到钱;

第四,no large losses.

It is very difficult to do these four points!需要我们有超越常人的认知能力!It also requires us to spend a lot of time and energy to study and keep track of the development of the enterprise.

对于普通人来说,I would suggest that you balance certainty and flexibility,Allocate reasonable positions according to your actual situation!

如果你只有10万元本金,I suggest,Don't think about high income.Even if it doubles in three years,also only earned10万元.

to earn this10万元,You put a lot of time and energy into,focus on career and work,generate far more revenue than10万!

Wait until you accumulate enough principal,You won't be so aggressive anymore.people with a lot of money,The first consideration is safety.

Buffett said the three most important things in investing:don't lose money,don't lose money,don't lose money!

总而言之,本金不够,Investing in the stock market is not as cost-effective as investing in yourself.

But I still suggest that you still enter the market when the principal is not enough,Master the investment method when the cost of trial and error is low!Lay the foundation for future passive income growth!

打赏自愿,1分钱都是默默的支持,哈哈!

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