In the next two years, there may be a risk of "asset depreciation"? Insider advi

2024-08-28

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Many people today are particularly confused about what they should do next. They may have some money on hand, but they are hesitant to invest easily, fearing that a failed investment could lead to very serious consequences.

This is not an exaggeration; many people hope to make an investment that will benefit them for a lifetime, but if they choose the wrong investment method, it could potentially have a devastating impact.

In the past, people might have chosen real estate without hesitation, as it was rising in value every year. However, the real estate market is not particularly prosperous now, which leaves everyone feeling lost and unsure about what to do.

Regardless of what the future holds, at least for now, there are three things you should try to avoid. They could further devalue your assets and may lead to greater impacts in the future.

1. Do not invest unless necessary

We are faced with many temptations, and it seems like there are good investment projects all around us. For example, the popular bubble tea shops or seemingly promising enterprises that are open for investment. People, upon seeing these opportunities, want to give them a try, hoping to get a share of the profits.

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The current market economy is indeed very prosperous, and investing can further increase our wealth. However, not all investments will bring you returns. At least for now, many investments can have negative, or even catastrophic, effects.The current overall environment is actually in a state of severe uncertainty. We simply do not understand which sectors can reliably improve.

The emergence of a policy or even a negative news item could potentially cause the money in our hands to vanish in an instant, and the risk of asset devaluation is continuously intensifying. Investing in the stock market or bank financial products does not seem to offer particularly satisfying returns.

Many people nowadays feel that the returns on regular bank financial products are too low, yet investing in stocks does not allow for a keen understanding of which industries will truly reward your investment.

This uncertainty can be mentally and physically exhausting. If a significant devaluation of assets were to occur, one might not be able to withstand the psychological defense.

Some people even set their sights on overseas markets, believing that investing abroad could lead to substantial profits.

If you truly look at the global economy, you will find that the situation is particularly dire everywhere. Even the West, which is considered developed, still faces significant economic challenges.

Their growth rates have noticeably declined compared to previous years, national debts are continuously rising, and the interest on debt is intensifying. This situation is already quite pessimistic.Wishing to invest globally in foreign markets and earning a substantial sum is not a realistic scenario; it may even have a more significant impact on your investments. After all, the interest rates for overseas investments are generally higher, and if the returns are not satisfactory, the entire family could be affected, potentially leading to its disintegration.

The investment market is not as simple as we might think; a single inattentive move could lead to a total loss. In the past, everyone's investment enthusiasm was focused on buying real estate, which is indeed a good investment method. This is because, regardless of whether it is a first-tier city or a fourth or fifth-tier city, housing prices have seen considerable increases. However, the continuous growth in housing prices has now reached its end, with some areas having already completely stopped, and prices are continuously falling.

Moreover, most houses do not have the ability to be sold and can only be held in one's own hands. Faced with this situation, investing in real estate is no longer a reasonable choice. Even if you go to the core areas of first-tier cities to buy property, it may not necessarily bring you good returns, not to mention that the prices in these areas are quite expensive.

Secondly, do not resign blindly. After completing their studies, everyone will face the second issue, which is employment. Faced with a dazzling array of industries, some people sometimes do not know how to make a decision, and some may not be satisfied with the industry they are currently in and hope to switch to more promising industries. This is not a reasonable approach.Unless certain companies are willing to hire at a higher price, do not easily leave your job position.

Within your own company, as long as there is no clear trend of dismissal, just follow the routine and continue to work. Because once there is a resignation, it is very likely to make your re-employment quite difficult.

The overall employment environment is not as optimistic as one might think, and the job market is under considerable pressure, with the number of unemployed people continuously increasing, and various industries have reached a very difficult situation.

Both physical and online work have different difficulties. The physical economy has been greatly impacted by the internet, and the emergence of various online merchants has made the physical economy a sunset industry. To ensure stable income, layoffs are often the only way.

Online shopping or e-commerce may seem to be booming, but in reality, it also faces significant challenges, with return rates being much higher than we expected.

Moreover, with many people entering the market, in a highly competitive environment, profits may not be truly satisfactory. Similarly, they may also resort to layoffs to ensure their own benefits, as can be seen from the large-scale layoffs by several major internet companies.

Therefore, it is essential to cherish the hard-earned employment opportunities. The amount you receive now may not be much, and the income may not meet your true expectations, but you also need to carefully consider whether to resign. If you make this decision lightly, you may not have such a good opportunity again.

Many people are not satisfied with a monthly salary of 5,000 to 6,000 yuan and find it difficult to even find a job paying 4,000 yuan after resigning, which will also affect all aspects of your future life.After all, it's likely that everyone may have some debt to varying degrees. Once they resign and lose their main source of funds, their future life will become even more difficult.

Before leaving a job, it's crucial to have a reasonable career plan to ensure that you can move to a better company, which is the only way to help you achieve better personal growth.

If you don't have a clear career plan and are completely unaware of your future development potential, don't make impulsive decisions.

Such unwise choices can easily put you under tremendous life pressure. Staying at home every day, whether it's relying on your parents or other methods, can put a great burden on your body.

It's better to try to adapt to the workplace environment and continuously overcome some hardships. Maybe you can achieve promotion and a raise in your current company, or be continuously reused.

We can see that there are many news about post-2000s regulating the workplace, which seems to bring courage to many people. In reality, this behavior is not advisable.

In a company, post-2000s cannot truly regulate the workplace, and leaders have the full ability and power to easily dismiss you. Never act on a whim.

Unless it's very unreasonable, you can communicate with your leader, but under normal circumstances, you still need to follow the company's regulations.After all, the position you hold can be replaced at any time, and a single position may attract tens of thousands of competitors. Do not consider yourself to be the one who is completely irreplaceable in this position. When you have this thought, it may indicate that you are on the verge of being fired.

III. Exercise Caution in Entrepreneurship

Young people often aspire for a rapid increase in their financial strength, and they might consider entrepreneurship as a means to achieve this.

After all, when we embark on entrepreneurship, we can gain more funds, which is indeed a good method. Some individuals, by being in the right place at the right time, may achieve financial freedom within a year.

However, entrepreneurship is not as simple as we think. The current environment for both traditional industries and e-commerce is not very promising. No matter which field you enter for entrepreneurship, it may impose a significant burden on you.

Moreover, entrepreneurship also involves a considerable investment, and you have to plan daily on how to ensure that your investment truly pays off.

If you walk down the streets, you will notice that almost all the shops on the side of the road are in a state of transfer, and some may not have found a genuine taker in a year.

This proves that the traditional industry has become daunting, and the risks associated with entrepreneurship are continuously increasing. If you have not conducted sufficient research and preparation and blindly engage in entrepreneurship, you may end up losing everything.The industries that seem promising are not as simple as we think. For instance, opening a bubble tea shop or a snack store now requires an investment of at least 500,000 yuan. Without a suitable location and foot traffic, the ultimate outcome after opening may only be to accept the loss.

The online environment is also not as ideal as it seems. If you want to start a business by selling goods online, there are countless people with advantages over you.

The e-commerce field has many leaders who have already reached saturation. If you blindly enter the e-commerce field, you may also be constantly suppressed.

After investing a lot, you may find that the number of products you sell is only in the single digits, which can also cause great trauma to your heart.

Therefore, starting a business is no longer a reasonable method. It is necessary to make investment choices cautiously to avoid as many problems as possible.

Conclusion

The overall economic environment is not particularly ideal. In the next one or two years, you still need to be frugal with the money in your hands. You must consume rationally and never engage in the above three behaviors, which may further devalue your assets.

In the future, even if you encounter a good opportunity, you may miss it because you don't have money in hand. This is the place where it is truly not worth the loss. As long as you understand this point, I believe you can make the most correct choice in the next two years.