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新加坡投资系列：破解陷阱密码，不再踏上亏本之途

在充满机遇和风险并存的金融世界中，许多投资新手怀着对财务成功的高期望踏上了投资之路。然而，相当一部分投资者发现自己面临的是损失而不是收益。这种貌似矛盾的结果背后可能是什么原因呢？在我对投资领域的探索中，我发现了一些常见的陷阱，这些陷阱导致了财务上的挫折。了解并解决这些问题，可以更好的提高一个人实现财务自由的机会。

  1. 搞不清自己是在“投资Investing”还是“交易Trading”： 许多投资者犯的一个基本错误是混淆投资和交易。投资需要有长期持有资产的能力，随着时间的推移资本增值。另一方面，交易通常意味着受市场波动驱动的短期买卖决策。混淆的问题在于投资者在长期投资或相反情况下采用了投机的心态。在市场调整期间，交易者Trader通常会止损，而投资者Investor可能会增加投资以降低平均成本。有趣的是，这两种完全相反的行为都是正确的，并且都能赚钱。问题出在你不知道自己是在交易还是在投资。这种策略的不一致可能导致仓促决策和蒙受不必要的损失。
  1. 错误的资产配置： 资产配置在任何投资战略中都是关键组成部分。它将投资分散到不同的资产类别，如股票、债券和现金，以实现风险和回报之间的平衡。不幸的是，一些投资者忽视了正确资产配置的重要性，要么将他们的投资集中在一个资产类别中，要么将其分散得太薄。这种缺乏战略性的分散可能使投资组合面临更高的风险，并限制潜在的回报。
  2. 缺乏分散投资： 分散投资是管理投资组合风险的关键。这不仅仅是持有多种资产，还包括确保这些资产之间的相关性不高。许多投资者陷入将所有鸡蛋放在一个篮子里的陷阱中，无论是特定行业、部门，甚至是地理区域。当不可预见的事件影响市场的特定领域时，非分散的投资组合更容易受到重大损失的影响。然而，一个良好分散的投资组合可以帮助减轻风险，使其在市场波动中更加平稳。
  3. 错误的时间视角： 投资是一场长期的游戏，拥有正确的时间视角至关重要。一些投资者带着对快速利润的不切实际期望进入市场，导致冲动的决策。相反，其他人可能在短期市场波动期间感到恐慌，并急于清算他们的投资。了解并将投资目标与适当的时间视角相匹配，有助于您应对短期市场动荡，把握长期的增长机会。
  4. 尝试预测市场Time the market： 预测市场是一个非常具有挑战性的尝试，即使对于经验丰富的专业人士也是如此。许多投资者陷入了试图预测短期市场波动的陷阱中，高位买入低谷卖出。这种策略通常导致错失机会和不必要的损失。与其试图预测市场，投资者应专注于一种有纪律、系统的投资方法，利用定期定额投资的优势，并致力于实现他们的长期财务目标。
  5. 过于情绪化： 人类通常是情绪化的。而不幸的是，这通常对我们不利。当市场表现良好，周围的朋友都在赚钱时，大多数人会对投资产生浓厚兴趣，尽管我们在逻辑上知道这通常不是在市场已经相当高的时候投资的好时机。当市场崩盘时，大多数人会因恐惧而出售。这就是他们亏钱的方式，高位买入低位卖出。这一次又一次发生，而大多数人并没有在这个经验教训中做出什么改变。

结论： 投资就像一场冒险，充满了机会和挑战。要成功，就得避免掉进那些常见的坑。分清投资和交易的区别，选择好投资的目标方向，把钱放在不同的地方，找到适合自己的投资时间，还有就是不要试图在市场高低点时买卖。这样，投资者就能走上通向长期财富的路。记住，明智而有纪律的投资方法是解锁金融市场复杂性、实现财务目标的关键。

不只是要努力工作赚钱，还得学会让你的钱为你工作。很多人在新加坡的收入只略高于中位数，却能在在50岁就成功退休了，而那些高收入者却仍然为财务问题而焦虑不已。。

如果你对新加坡投资有兴趣，欢迎联系咨询。

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

Abby Yu 于跃

在理财规划行业从业超过六年，谦虚并与时俱进使我能更好的聆听客户的需求，从而为他们做出最合理的规划。保障主动收入，建立被动收入，在对抗通胀的同时，更能够保障生活品质的稳步提升。

Working in the financial planning industry for more than six years, being humble and keeping myself up with the times enables me to be a good listener to understand the needs of clients and make the most reasonable recommendations for them. Protecting active income and establishing passive income can help client has the steady improvement of the quality of life while fighting against inflation.

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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策