In the beginning, many people came up with the idea of investing because they were attracted by the idea that they could earn more money. However, many people often stopped at the door of the investment because they found that the acquisition would lose money. No, to be exact, it was possible to lose money. At this time, people's speculative psychology would start to retreat. So today, let's talk about how investors who can't afford to lose can invest safely.

For those new investors, the investment world is attractive, but it is also full of risks. It looks like angler fish in the deep sea, commonly known as lantern fish, with a beautiful luminous device. It is like a stock trader who can double his income but also has sharp and long tusks. It is because of these teeth that this fish has the name "black devil fish" in the West, and the teeth hook inward. As long as the prey enters the mouth, it is impossible to escape. It is like that when encountering a bear market. The collapse is all accompanied by it. In this way, the world of investment is easily daunting. However, although there are many risks, not everyone is unfathomable. Just like swimming pools, some places are shallow, and some businesses are deep. Novice investors like us can find a unique collection to test the water first. However, we should never be in the mood to become wealthy because it is easy to be targeted by liars, and it is not worth the loss. Putting the right attitude, focusing on participation, is the attitude we should hold at the beginning. Subscribe to basic investment knowledge and relevant news. Start your investment journey by spending a few dollars each month. While learning basic investment knowledge, you can try your hand at it. It is not only about learning how to choose the investment that suits your financial situation but also about learning how to choose your unique investment.

After putting our minds right, we don't need to rush to invest overseas, but we need to analyze our own situation first. I hope this investment will bring me something. For example, I have a plan to buy a car or a house, and the investment is to repay the mortgage or car loan. So how much loan I need to take on each month or each year, how much profit I need to make, and how long it takes to last will affect the type of investment you ultimately choose. The examples I just cited are closely related to life. That is, investment goals have a significant impact on individuals, so much investment will never be short-term, at least five years or so. Especially for the demand of buying a house, then the risk is almost unacceptable. Therefore, The type of investment we will choose must be profitable on the basis of capital preservation. For example, treasury bills, certificates of deposit, and other financial products with low risk and high security. To some extent, stocks are products with high-risk coefficients. If your situation is in line with the type of the above example, which is closely related to personal life or family life, then do not choose stocks as an investment product because you need to protect your savings and protect against future life risks. What we can consider are government bonds. First of all, the risk of government bonds is lower than that of the national debt. The average return rate is between 3% and 5%. The risk level is moderate. Compared with corporate bonds, the government will never go bankrupt. If you are still worried about losing money, another strategy is to diversify your investment. In this way, you will find such a professional term too challenging to understand. To put it simply, eggs are placed in separate baskets. While ensuring the rate of return, they can also spread risks, minimize risks, and help investors achieve their goals and live better lives.

If you are an investor seeking security, if you are not able to bear losses, and if you have long-term and fixed goals to achieve, then the best choice is to choose certificates of deposit or treasury bills, followed by government bonds issued by the government. If this single rate of return is not enough to meet your needs, then separate the funds in your hands for multiple investments, which can guarantee the realization of your goals while diversifying risks.

（Writer：Galli）