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定投--让区块链投资变得轻松简单!
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Topic: 定投--让区块链投资变得轻松简单! (Read 80 times)
Ireson
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定投--让区块链投资变得轻松简单!
January 02, 2018, 06:31:13 AM
#1
一直看老赵文章的人经常会看到我提到一种投资方式:定投,很多朋友不太清楚定投的含义及操作方式,今天就介绍这种投资方法,让大家在区块链投资中更加轻松自在!
什么是定投?
对于有基金投资经验的朋友,定投的概念应该比较熟悉,定投类似于银行“零存整取”的理财,多用在基金上的一种投资方法,一般指“定期定额”投资,即固定周期投入固定金额,例如每月拿出2000元投资到A基金。
定投的优势:
1、可以降低平均成本。通过较长的周期的定投,在波峰、波谷之间得到平衡,获得一个相对较低的平均成本,赢得较好的收益,这在基金投资中是一种很稳健的方式,也是定投最大的优点!
2、不必在意入场价格。投资是通过“低买高卖”获得收益,但一次性梭哈式的投资很容易追高,而通过定投的方式,期待的是长期较低的成本,对于进场时的价格不用考虑太多,可以随时介入!
3、可以积少成多,获得复利效果!
定投什么样的基金?
定投适合有一定价格波动的基金,比如股票型基金,指数型基金,这样才能通过加权获得较低的平均价,而对于货币型基金如余额宝由于价格相对稳定,采用定投的方式反而不能获得更好的收益!
以上介绍的是基金定投的基本概念,作为科学的家庭资产配置,建议配置一部分基金进行定投,而定投是否也适用于区块链资产投资呢?
看一下数字资产的特点:价格波动大,优质的资产呈上涨趋势,高风险高收益
知识星球中经常有朋友提出这样的问题:比特币 10 万了适合入吗?EOS现在 50 了是不是最低点?莱特币 2000 了现在入会不会追高?等等,投资担心追高,不投担心踏空,真是纠结!
这样的问题很难回答,套用老猫的话,数字资产短线不可预测,长线可以期待!数字资产的走势与股票型基金有一定类似之处,价格波动更剧烈,同样入场价格对于投资人也是一件头疼的事!
定投同样适用于数字资产的投资!
那么选择哪些数字资产进行定投呢?老赵曾总结了符合定投的几个标准:
1、长线看有较大潜力的主流价值币(符合价值投资观点)
2、价格波动大,不容易把控一次梭哈的风险(好像都符合呢)
3、几年内不会消亡(一般山寨就算了)
那符合这样标准的数字资产并不少,比如:BTC、BCH、ETH、ETC、EOS、ZEC、量子、瑞波等等。根据自己的判断选择5种左右的资产分散配置,并控制好每种资产的总仓位,把控整体风险!
投资周期
由于数字资产比基金的波动性更大,为了能充分享受到低价位对平均价格的作用,投资周期也要比基金更短,建议一周,比如每周日投资 2000 元(根据自己情况确定金额)!
如果现在进行定投什么时候可以出货呢?
定投考验的是一个人耐心和价值观,需要一个相对长的周期,如果把现在的市场比作牛市的话,那需要经历一个熊市才能充分降低成本,到下一个牛市可以获得更好的收益。这样来看需要做好半年-1年的准备,甚至更长!
据老赵了解,已经有不少专业投资人士采用定投的方式长线持有比特币、以太币等优质资产,并获得了很不错的收益,当然老赵也在进行中!在我看来定投数字资产比定投基金对于投资的意义更为深远,总结一下定投在数字资产投资中带来的优势:
1、不必担心追涨杀跌,面对暴涨暴跌的行情可以更加淡定与从容,暴跌时你的成本将被拉低,暴涨时你的资产将提高,让你时刻保持好心态!
2、 不错过优质资产。比如EOS不少朋友没能在10元内重仓,现在又担心追高,那老赵就建议你定投好了,即使现在是100元,也可以大胆上车!
3、更加轻松自在,数字资产投资是一件非常辛苦的事情,很多朋友彻夜盯盘,白天也要每隔几分钟就要看一下行情价格,花费了大量的精力,反而没能获得较好的收益!而趋势是比短线更容易判断的,可以更容易的选择出定投的资产!
4、定投不会让你获得最好的收益,却是一种更稳健的方式,性价比是比较高的!
5、磨练心智,养成更好的投资价值观,告别韭菜!
数字货币目前有将近 2000 种,老赵提倡独立思维与价值投资观,选择几种优质的资产,采用定投的方式中长线持有,这样比你花费很多精力关注很多山寨频繁换车要划算的多!
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