The ups and downs of Xiaobai's mentality after entering the market for half a year (4)
After investing $6000 into Roth Ira, I felt at ease; it was an annual deposit. Bought and left, I forgot my password.
I'm also thinking about the sense of participation - the investment strategy is to see what products you use, and when you buy this product, you should buy a certain amount of stocks.$Apple (AAPL.US)$I bought it again for $5000-10,000$Tesla (TSLA.US)$$NIO Inc (NIO.US)$ At first, my mood fluctuated a lot. I was very nervous every time the news was posted, the Nasdaq rose 2% and fell 3%. I think it's really hard when it comes to making decisions.
A friend wanted to teach me short-term operations and trade back and forth every day. To be honest, I really can't, really can't learn. If I had this skill, I'd go to a securities company.
Among them, I have experienced several types of speculative mentality: For example, short-term trading quickly accumulates wealth over and over again, doubles overnight, makes money within 6 months, and instantly realizes wealth freedom. I found it unreliable, and it's easy to panic if the mentality isn't right.
Let me sum up my current state of mind: 1 Plan to open a position of 20,000 to 10,000 US dollars every year. Don't fill up the position; leave 70% of the cash to fill up the position before you have a chance to buy at a low cost. There was a sense of participation, and some topics to chat with friends. 2. Currently, stocks account for 5% of total assets, and the psychological risk is bearable. No leverage, no borrowing to buy stocks. 3 In the past, I thought stocks were resold to make money; now I realize that stocks are the concept of saving assets. Lower expectations, save assets to earn dividends, and capital gains. 4 Stocks are not sold for cash; as long as the company doesn't boast, they can use less than 5% of the amount when they need money. 5 $6000 RITH IRA, HSA$3000 plus 10,000 SEP IRA, for a total of less than 20,000. This year is already 2.4+0.5+0.6+1.36 = 48,600 This year is already at the top.
If you follow the minimum 5% return, put in $2,430 a year. The principal amount required from freedom of wealth 48600/2500000 = 1.944% It takes 50 years to save 50,000 a year to be free of wealth, so this method of becoming rich is obviously far from enough. Next time, let's accurately plan how to plan the freedom of wealth,
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坚实的弗郎西丝 OP : Currently 48,600, 5% annualization has been achieved