2024年必须避免的投资陷阱！

These are the investment pitfalls you must avoid in 2024!1. Don’t start a business unless it costs zero.2. Never buy bank financial products.3. Never enter the A-share pit. If you have already left the A-share market, no matter how tempting you are to rebound, don’t come back (come back after you have made changes). The same goes for stock-focused funds.4. Never speculate in real estate, and sell any extra houses other than your own home as soon as possible.5. Pension insurance and medical insurance are becoming less and less cost-effective, but you have to buy them. This is protection.6. You have to choose the right time to buy gold, but not now. The price of gold is currently at a historically high level. Buying gold now is like buying Moutai stock for more than 2,500 yuan. Although it is valuable, it is still a long wait.7. Consider buying a personal pension account if your monthly income is more than 20,000, but never buy it if it is less than 20,000, because you don’t have that much money to believe in the future.8. Don’t lend money to others, and don’t ask others for their reasons for borrowing money. Once the other party says that a relative is sick, you can't bear to refuse, so you just say you have no money without asking. It is better than lending it out and losing both you and the money.9. Insurance performance next year will become one of the new KPIs for many financial institutions. Of course you can buy medical treatment for serious illnesses, but try not to buy return-type financial insurance products, many of which cannot beat inflation.10. At present, the only things that are worth buying and are close to zero risk are bank deposits, government bond reverse repurchases and monetary funds. Of course, the yield is not high, but it is safe.