Why don't some rich people buy stocks?

Some rich people don't buy stocks for many reasons.

Let me give you a few examples first:

My classmate's father is the manager of an aquatic product company. When he has some spare money, he will invest in raising fish ponds. Because I am familiar with aquatic products, I have a better understanding of the supply chain business of marketing and aquaculture. If you discuss the stock with him, he will definitely ignore you. Because raising fish ponds is almost a sure thing for him, and he knows nothing about stock trading. Who wants to invest money in something they are not familiar with?

Later, after he retired, his money bought stocks. The result is a set of 10 years. This made him further aware of the risks of stock trading.

There is also a famous economist who often talks about finance on TV. But he never buys stocks. Because he knows the risks of stocks. His spare money is generally invested in real estate. In fact, many economists do not speculate in stocks, because economists are rational and understand the risks of stocks. They prefer to delve into academics.

A friend of mine has hundreds of millions of assets, but he never buys stocks. All his funds are used in manufacturing factories. He deals in electric heating plates. For many years, it's getting bigger and bigger. Because he knows nothing about stocks and is not interested in them.

On the contrary, his brother likes to speculate in stocks very much. His younger brother has been engaged in stock trading for more than 20 years. Although I haven't made much money, I like it very much and hold a lot of stocks. His younger brother is poorer than him, with assets of tens of millions.

In my opinion, the rich have more options to increase their assets and there is no need to speculate in stocks. The rich can do industry, real estate, gold, bonds and even bank wealth management products. The rich have a wide range of investment channels and can have a wider choice. So some rich people don't buy stocks because of their experience and understanding of risks.

Ordinary people have few investment channels and limited funds, so a large number of ordinary people invest in stocks.

So the reasons why the rich don't buy stocks are complicated. Some rich people are only part of the distribution even if they buy stocks, and they have other ways to increase their wealth. The advantage of this is that you can spread risks and make your wealth grow steadily.

In fact, this question is a bit extreme.

Not all rich people don't buy stocks, but most people buy very few stocks.

Just like a friend of mine, he works in civil engineering, worth over 100 million yuan, and buys stocks.

He has a stock market value of nearly 5 million, so he just put it there.

Although 5 million is a lot of money for ordinary people, for him, the proportion of assets is not large, so it is an investment.

You will find that most rich people have a fixed thinking, that is, don't invest too much money in unfamiliar areas!

For example, people who get rich by stock trading are less likely to start a business;

People who start a business to get rich are less involved in stocks;

Because there is specialization in the art, people's ability and energy are limited, and it is impossible to blossom everywhere and make money everywhere. Therefore, it's not that the rich don't buy stocks, but because they have their own better and more sure ways to make money, they will naturally take the heavy and avoid the light.

I call this behavior "reason"!

For most ordinary people, it is actually very "irrational", just like as a new retail investor, a newcomer who has not yet understood the rules of the stock market and learned to invest in the stock market, he dares to take out all his savings or even "leverage" to enter the stock market to buy stocks.

Then the result must be to lose more and win less.

Therefore, if you want to be a rich man and get sustained income by investing in the stock market, you must consider the principle of risk first and income second.

The greatest fairness in this world is that when a person's wealth is greater than his own cognition, this society will have 100 ways to harvest you until your cognition and wealth match each other.

The rich are getting richer because they know where they should invest their energy, efforts and a lot of assets, instead of rashly trying unfamiliar areas or even investing huge assets.

This is "reason" and "risk control"!

It is the same reason that some rich people do not buy stocks and some people who don't have much money buy stocks. This is just a probability. Maybe they didn't buy it directly and didn't let outsiders know. If they don't buy it, there is a reason not to buy it.

We define the rich people mentioned here as successful people with successful careers. Since they have a successful career, it is naturally this career that makes them rich and keeps them, which is what they are best at. Who doesn't pay attention to important things?

In addition to investing in their own businesses, the rich may also be exposed to a relatively large number of investment products. Instead of spending a lot of time on stocks, it is better to make other choices.

It's even harder to protect your family when it's a national disaster. It is not easy to earn such wealth. When you have a certain amount of wealth, how to maintain or improve it becomes the main consideration.

In the process of keeping money, because there is no need for actions such as getting rich overnight, the word "stable" comes first, and a small number of attempts may be made for those with greater risks, and finally more investment and gains will be made. Even if you do stocks, you may not spend a lot of time and energy thinking.

Therefore, as the rich people mentioned here, it is more important to know how to choose and avoid weaknesses. Stocks may not be suitable for them for the time being.

Why don't some rich people buy stocks?

Tracing back to the source, it is mainly (1) that the rich understand the essence of the stock market better; (2) Wealth management and asset allocation income are not the first choice, but safety is the first choice standard; (3) The way for rich people to invest in stocks is not to open an account for direct trading as understood by small and medium-sized investment.

1, the rich know the rules of the game in the stock market better.

Because of the advantages of resources and information, many rich people are the actual controllers of listed companies. During and after the listing, the understanding of stocks and the stock market is by no means so superficial as you and me. They understand the advantages and disadvantages, especially the disadvantages. You all know this, so let's get started.

2. The asset allocation of the rich tends to be stable, and income is not the most preferred standard.

The asset allocation of the rich is diversified, but the commonality is prudence. The same rate of return is 10%, 10% of the rich is 100000, and an ordinary investment of 3.5 million, the return of 10% is 30 million yuan, and its absolute income is the first consideration.

3. The way rich people invest in stocks is hidden.

Ordinary investors believe that the rich invest in stocks as much as the public. It's a big mistake for a securities company to open an account and transfer money from a bank to buy and sell stocks. Due to the large amount of funds, the access of funds in natural person accounts is restricted and inconvenient, and the way for the rich to enter the stock market is as an institution. Many domestic products, especially private placement, are actually tailored for some or some rich people. Of course, there are no rich people statistically, only institutional investors.

So it's not that rich people don't buy and sell stocks, but that we small and medium-sized retail investors don't understand the way rich people buy and sell stocks, income expectations and asset allocation.

Because the rich are not in a hurry to get rich, they prefer to keep their hard-won wealth for a long time, and don't have to take risks to make money when the principal is enough.

The biggest advantage of the rich is that they have more principal. In the case of relatively large principal, the rich can earn enough money to support themselves even if their annual income is low. Although the stock is good, but the risk is high, it is likely to lose the principal, but it is not worth the loss.

For example, a rich man has100000 RMB, and puts his money in a five-year time deposit in the bank, and the income is about 4%. In other words, rich people can get 400,000 yuan a year as long as they deposit money in the bank, which is more than 30,000 yuan a month. This is a risk-free income. As long as there is this100000 deposit, the rich can get the money year after year without blowing off dust.

However, if you invest in stocks, there is a principle in finance: the greater the income, the greater the risk. 100000 to 20 million is difficult to double, and you may lose 5 million or even lose all if you are not careful. It's like the fable of killing a chicken that lays golden eggs.

Therefore, in order to live a long and happy life, the rich will certainly stay away from stock investment and put most of their money in a stable and value-added place.

Stock is a high-risk financial management method. Although we often say that the stock loses seven, the two are flat and one is profitable, in the market where the bull is short and the bear is long, most people lose money on paper.

There are many reasons why the rich are rich, either because of successful entrepreneurship, outstanding ability and high salary, or because they hold power, or because they have made a fortune through real estate speculation, or because they are lucky and have gained a lot of wealth. Although there are hundreds of thousands of investors who get rich through stock trading, compared with the huge stock market crowd, the proportion of getting rich is still very low.

The domestic stock market is in the process of continuous improvement, during which financial fraud occurs from time to time, and there are not a few listed companies doing nothing except real estate speculation, not to mention the strong motivation of major shareholders to reduce their holdings, and the gray rhinoceros and black swan are on the rampage. In such a market environment, it is conceivable that institutions are eyeing up, bookmakers manipulate stock prices, and it is difficult for retail investors to make a profit.

The rich have accumulated considerable wealth and naturally have countless choices. Whether continuing the original business or expanding other businesses, the income is much higher than bank deposits, not less than stock trading, and the key risks are much smaller.

Realistically speaking, China lacks safe and reliable investment channels. Treasury bonds, bank deposits and baby money funds are extremely limited choices, which also correspond to low returns. It is impossible to beat inflation.

The rich have more choices and are no longer limited to risk-free financial management. Trust, private lending, private banking, overseas investment and equity investment often have higher returns and greatly reduced risks in the case of diversified investment. Take equity investment as an example. People who invest reliably can get super high returns once they succeed.

Judging from the performance of listed companies, most stocks have no investment value, and the main profit is unsightly. They rely more on non-main profits such as real estate speculation and stock trading, and major shareholders will reduce their holdings and cash out whenever they have the opportunity. When the stock market is in a downturn, speculative value appears, but it still can't stop all kinds of accidents. White horse stocks will suddenly collapse, and the once glamorous appearance will be revealed by makeup removal.

The high-risk game of stock trading is the heartbeat and survival of the fittest. Crocodiles go in, geckos come out, the earth goes in, table tennis comes out, and some rich people don't buy stocks. Well, it's very rational.

It's not that rich people don't buy stocks. Many rich people invest in stocks, but they don't necessarily buy A shares or secondary market stocks.

The characteristic of rich people's investment is that he has a large amount of funds and a financial advantage. This advantage is mainly channel advantage, not that the rich are smarter.

Rich people with millions to tens of millions of funds mostly buy and sell their own stocks, which are basically secondary markets or funds.

Rich people with tens of millions to hundreds of millions of dollars generally set up investment teams, relying on the wisdom of the team to shield the tendency of personal judgment and subjective risks.

Therefore, the richer the money, the more talents he can hire and the more channels he can invest.

For example, rich people can make venture capital. The best venture capital in China is Zhang Lei's team, but their threshold is at least 20 million. His team invested in JD.COM and Tencent, and bought shares of unlisted companies. These are original stocks or primary market stocks, so the listing of stocks can be multiplied.

A-share market is a secondary market. If you have enough money, it is not necessarily a stock in the secondary market.

Why don't some rich people go to the stock market? The author has the following views.

The reason why the rich become rich, except for the special circumstances of being born in a rich family, most rich people have their own fields of proficiency and ways to make money. In fact, the main business has filled the limited time of most rich people, and it is impossible to take into account the stock market that needs a lot of efforts to make a profit. This is an important reason why most rich people don't speculate in stocks.

The success of the rich is often due to their achievements in their own professional fields, and wealth comes naturally. Most people who make a fortune in any industry will be proficient in this industry, and after mastering this industry and accumulating to a certain stage, the efficiency and sustainability of making money are very high. Not everyone can master the stock market. Therefore, most rich people like to intensively cultivate in the fields they are familiar with and proficient in, rather than taking risks in the capital market where they obviously do not have advantages.

The ability circle and social scope of the rich are usually wider than those of the poor, and there are many elites from all walks of life in the circle. It is not difficult to find professionals in stock trading to help them manage their finances and achieve financial growth. Private placement and Public Offering of Fund can be the choices of the rich, which not only realize the growth of wealth, but also take care of their own careers. The rich usually have such a choice, so it is difficult to see the rich enter the stock market in person.

Pay more attention to finance

Open the Forbes list of the world's richest people. Which rich man has no stock?

Of course, the richest people on China's rich list all have stock assets.

China's richest people, whether global or domestic, have stocks as long as they have names on the Forbes rich list. If you have no stocks, are you still rich? Perhaps it is more appropriate to call it nouveau riche or middle class.

Among the top ten richest people in China, which one has no stocks? Ma Yun has no stock? Does the horse have no stock? Xu Jiayin has no stocks? Both, right?

It's not that some rich people don't buy stocks, nor that they don't have stocks, but that your so-called rich people are not rich enough! Right?

The way for them to get rich is more through issuing stocks in the primary market and getting rich by going public.

To tell the truth, there are about 654.38+0.6 billion stock accounts in China at present. If you count a family of three, one out of every four households has a stock account. Are all the people who open accounts without money?

Since the financial crisis in 2008, the US stock market has been in a bull market of 1 1 year, which has more than quadrupled in this year. Including our neighbor India, its stock market has also risen by 1 1 year, which is more than that of the United States and has increased by more than five times. Since the financial crisis in 2008, China stock market has gone through the ordeal of 1 1 year. Our stock market is still destroying the wealth of secondary market investors. Due to policy orientation, most of our assets are in the housing market. The assets of countries such as Europe, America and India are mainly in the stock market. Therefore, this is also the reason why the rich or middle class have no stocks, because they have become real estate.