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This article is the 19th front early talk sideline special, is also the early talk 130, from the investment small talent share.

I. Personal investment experience

I am a big boy from the countryside. I graduated in 2013 with the online name “Xiaodenden”. The money I earned from work was basically deposited in Yu ‘ebao and Chaochaoying until 2015. Of course, there are still baby products (Yu Libao, Yu ‘e Bao, etc.) investment. As time went by and I saved more and more money, baby products could not meet my investment needs more and more, and I began to look for other investment means with higher returns. Of course, gold, funds, stocks and other investment products have entered my field of vision.

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A chance appeared — the stock market soared in 2015, and many people were talking about stocks and funds. The bud of investment funds and stocks was quietly planted at that time.

I like to do a little preparation for everything, rather than blindly do it. From that moment on, I began to study information about funds and stocks in my spare time

  • From 2016 to 2018, I read various books on Buffett, Munger, Jane 7 and Snowball Finance
  • Learn about investing while working in 2017
  • Before 2018, I mainly focused on technology improvement, mainly watching Teacher Scott’s video on MOOCs. In 2018, I started to practice and bought the first fund in my life. At that time, I was still very nervous, after all, it was my first practice. Fund investment in 2018 is overall loss, in October 2018, when, because of the cause of the Internet circle, bought the Internet QDII fund in the concept (this is basically bought in the nadir), the back is to take the strategy of cast, drop more fierce when, I will slowly buy a bit manually.
  • In 2019, my investment behavior influenced my wife, who followed my decision to invest and strictly implemented the investment discipline I formulated. In 2019 and 2020, she achieved good results, which increased confidence in each other’s investment.

Second, why do you choose to do fund stock investment rather than other sideline

First of all, I must do this because OF my interest. At the same time, investment can transcend geographical restrictions, so that I can leave time for my relatives. After all, my parents are quite old. I hope I can do better and better on the way of investment!

Three. How to choose the fund, choose the fund need to pay attention to what points?

  1. Choose an industry that you know and are familiar with.
  2. The level of the fund manager, you can look at his previous overall level;
  3. Fund scale, such as the scale of 1 billion level;
  4. The proportion of the company held behind, need to understand the listed company behind, from the listed company’s financial statements and other information to understand the listed company;
  5. Selling and buying rates, management fees, selling time, handling fees to be noted different calculation methods.

Iv. My investment strategy and discipline

  1. Index funds to take the strategy of investment, fell very fierce for, manually buy a little;
  2. Spare money investment, according to the actual situation of the individual, need to prepare the corresponding living expenses (such as the living expenses of 3 years and the money needed by family members in temporary emergencies)
  3. To set the corresponding expected return, to their own expectations, need to sell, and then continue to slowly bet.

Five. Several aspects that affect my investment

  1. Mainly is the state of mind, the state of mind must be stable, you can see the psychology of investment;
  2. Don’t trade too often.

Advantages and disadvantages of programmers in the field of investment

advantage

  1. Programmers face the computer every day, more timely access to investment advice;
  2. Programmer income is generally ok, can provide better capital flow for investment;
  3. Programmers are constantly learning, and so are investors.
  4. Thinking is not bound by traditional financial rules, easy to master online trading App;
  5. Relatively sensitive to numbers and formulas;
  6. If you know better, do quantitative trading.

disadvantage

If you do short-term trading, most programmers have overtime experience, busy work is easy to miss the opportunity to buy and sell.

7. Growth in 2020

  1. I learned to read the most basic financial statements and think independently about the prospects of the investment industry.
  2. Mentality is more stable;
  3. Find good investment opportunities in your life, such as what you eat, wear, live and do.

Viii. Future expectations

I will give myself 5 years to gradually transform into a professional investor, hoping to balance the relationship between family and breadwinner.

9. To summarize

Finally, I’d like to talk about some of our natural advantages as programmers. Why should we start money management as early as possible?

The reason is simple: because we are perfect for it. As a programmer, I think we have greater advantages in investment and financing: one is the advantage of logical thinking and rational thinking, the other is the advantage of tools.

The way we deal with our work every day is to sort out the logic of products and businesses -> form rules -> turn it into procedures, which is too similar to the process of investment and financial management. The process of investing is to refine the rules from time to time to form a trading system, and then adjust them based on feedback.

The second advantage of the tool is that you can use the programming tool to quickly verify a large number of questions that no one else can clearly discuss.