dream pocket

Ye Qiu, Cheng Mu, Sun Dao, and Qiu Qiang are all minors who have not yet graduated from high school. The word stock often appears in life, but if they ask for specifics, they are speechless.

Even Lin Xue, who graduated from university and claimed that he lost all his previous small profits by speculating in gold, looked at a loss.

I listen to stock commentators on TV all day long, and I don’t know where to start when it’s my turn to talk about this line and that chart.

Xia Qingying was full of aura, and returned the question to Tang Xin directly.

"Oh? Then tell me. We are all ears."

Tang Xin looked at the five blank faces and the one watching the show, and opened his mouth.

"Leaving aside the miscellaneous factors, there are basically three factors for the rise of stocks. First, the companies that issue stocks have good performance. Second, the relationship between supply and demand. There are many buyers, and the stock price is pushed up. Third, policies, we I often read the news, when Zhongyang Bank, or the European Union, or the Federal Reserve want to save the stock market, they will introduce new financial policies.”

As soon as he finished speaking, Ye Qiu asked in surprise: "Didn't you just say that you don't understand stocks?"

Tang Xin pushed her back in one gulp.

"If you go to the bookstore and buy an introductory book on stocks, you will understand this, but does this mean you understand stocks? If you understand it this way, people who buy stocks all over the world understand it."

Ye Qiu lowered her head in shame, Xia Qingying stood up for her, and said with a stern face: "Tang Xin, watch your tone, don't talk about useless things, talk about what's important."

Tang Xin didn't think there was a problem with his tone, he just liked to use some exaggerated metaphors to illustrate the essence of the problem.

Shrugging his shoulders, Tang Xin continued: "Then first analyze the first situation, the company's performance. If there is no supply and demand relationship in the stock market and the influence of policies, the actual value of a stock will rise or fall. It’s a long process, it’s impossible for the daily limit to rise today, and another month’s continuous rise, which is detached from the reflection of the stock’s value itself. However, if there is no relationship between supply and demand in the stock market, then the money invested in the stock market might as well be invested in the stock market. You can earn interest in the bank instead of worrying about losing money day and night. Although, there is no difference between depositing money in the bank and losing money now."

As soon as he finished speaking, Lin Xue questioned with wide-eyed eyes: "How could this happen? Will the money deposited in the bank be compensated?"

Tang Xin covered his face and sighed softly. The key to his words was the front, not the last sentence of complaint.

However, since Lin Xue asked, he had no choice but to patiently explain: "Twenty years ago, you had 20, and you could buy a house of more than 20 square meters. If you put the 20 in the bank and withdraw it today, you You will find that you can only buy a balcony and a bathroom. Ten years ago, you had a fast food for 5 yuan. Today, you have to pay at least 8 yuan. The price of vegetables and rice five years ago is less than 60% of today’s , Everything in life, all aspects of basic necessities of life, food, housing, and transportation, prices are rising, but a year ago you can buy things with 1 yuan, today you can buy the same things with 1 yuan, but find that you can buy as many things as last year. In addition, the bank's regular interest rate of less than 5% a year is still low."

"Oh, I see what you mean. But, should this be the reason for the rapid rise in housing prices?"

Lin Xue seemed to understand, but expressed doubts about Tang Xin.

Tang Xin rolled his eyes helplessly, and sighed: "Indeed, the soaring housing price is an important factor. However, what cannot be ignored is that the same labor, the same effort, was able to buy a house 20 years ago, but it can only be sighed today. If You think my words are wrong, then, how much money you have, put it in the bank, take it out after 20 years, you can take the principal plus interest, and see if your purchasing power has increased!"

Lin Xue was so frightened by these obviously angry words that she dared not say another word. Sun Dao patted her hand and said with a low laugh, "Don't worry, he is actually very grateful to you in his heart, so that he can be more stinky." It's been a while."

With a confused look on his face, Qiu Qiang asked, "Tang Xin, according to what you said, what should I do if I have money? Are you shaking hands and waiting for the depreciation bit by bit?"

Tang Xin snapped his fingers and said, "Of course not. Those who are ambitious use it for investment, and those who are not ambitious should at least preserve the value of the money in their hands. Presumably many people have seen the nouveau riche buy them and use them every day for a lifetime. The inexhaustible jewelry must be very despised in my heart! Right? Actually, I want to say that you can’t just see their side showing off their wealth. This is also a kind of investment. Gold jewelry is an item with a very long shelf life, gold real estate, antiques Artworks, why are so many rich people flocking to them? Because after ten or 20 years, these can not only maintain their value, but even appreciate to a large extent! What should we ordinary people do? Can’t afford antiques, can’t afford real estate, can we only Waiting to die? Therefore, the high-return investment project has a fatal attraction when it comes into view, and this temptation may be a trap that can never be recovered!"

The six people sitting on the sofa were engrossed and shocked when they heard Tang Xin's eloquent speech.

Maybe if another elder said the same thing here, they would accept it logically, but this Tang Xin was still too young, there was a strong contrast between his speech and his age.

The one who took it for granted was Sun Dao, his poor grades were due to his desire to have fun, while Tang Xin's grades were average because he put all his energy on other things.

"Are you digressing? What about stocks? Why are you talking so far?"

Xia Qingying's words made everyone wake up.

Tang Xin hadn't enjoyed Cheng Mu's adoring gaze, so he said with a disenchanted voice: "Okay, let's talk about stocks. Leaving aside the second factor of supply and demand, policies, the domestic stock market is actually immature and often violates the law. The operation of the securities law is largely policy intervention. When the international financial environment is not good, the domestic stock market will definitely be affected, but as long as there is policy support, the stock market will not be able to overcome it. The money has become waste paper, so the next step... everyone is tacit. And, because of the policy, it is not difficult to understand why a large number of people profit from the stock market."

"why?"

Lin Xue seemed to be very interested in these things, and didn't mind Tang Xin's harsh tone towards her earlier.

Tang Xin didn't have any prejudice against Lin Xue, instead he said: "If you know when the Federal Reserve will introduce a policy to rescue the market, the next thing you want to make money is just a matter of how much you earn. The financial market fluctuates up and down, and the difference in the middle is all money, Buffett He said that he could not predict the rise and fall of stocks. This is a lie in our country. The point is that you are just an ordinary person. You don’t know when the stock market will rise to the top, so you can’t run in time. You don’t know when the stock market will fall to the bottom. So you can’t catch up. And if you all know, take the elevator when the stock market bottoms out, and run out on the top floor, you can go home and build a palace with the golden mountain in your arms.”

After saying this, Tang Xin himself fell into deep thought, silently lost in thought.

Perhaps it is such a financial environment that makes my sister-in-law prefer to travel across the ocean to invest abroad. There is no channel and no higher connections. This market has been unfair from the beginning. The stock market has been ups and downs for decades, and the people have been swept away. Money, astronomical figures are not enough to describe its shock.

Behind the amazing wealth, there is always a heinous crime.

"Hey, why are you in a daze? Don't tell me you're talking now?" Xia Qingying and the others waited for Tang Xin to continue, but they didn't see him say a word for a long time, so they couldn't help urging.

Tang Xin came back to his senses, sorted out his emotions, put his hands in his pockets and said calmly: "Then the second factor is left, the relationship between supply and demand. We have learned the most simple price theory in politics class. If supply exceeds demand, it will fall. If supply exceeds demand, it will rise. The same is true for stocks. When there are too many people buying them, they will buy them at a high price. Once they come and go, the price will start to rise. People who buy stocks must choose stocks that they think will rise. After all, there is no short-selling mechanism in China's stock market. Ye Qiu's My father was recommended to buy a stock, and this Manager Xu, if he was a Cao trader, there was no need to persuade Ye Qiu's father. After all, if he acted as Cao's agent, he would get a share, so I would not doubt it. Informing Ye Qiu's father of something that can be called an inside story, this is unusual."

Everyone probably understood Tang Xin's previous words, but Ye Qiu listened and thought, but still couldn't clear up his thoughts, and asked anxiously at this moment: "Tang Xin, can you explain more clearly?"

Tang Xin said calmly, "In order to let you better understand my worries and guesses, first of all, I would like to ask you, do you know what a Ponzi scheme is?"

Ponzi scheme?

Everyone was at a loss, only Xia Qingying shook her head but had a smile in her eyes.