编辑导读：90后的理财有多疯狂你想不到，他们开始对恋爱没有渴望，对暴富情有独钟。所谓你不理财，财不理你，前段时间年轻人炒基金的热情更甚过他们追星的热情。但是，在这样全民理财的氛围下，被收割的韭菜也不少。本文作者对此进行了分析，与你分享。
The editor reads: You can’t imagine how crazy money is after 90 years, and they start to have no desire for love, and have a thing for rich. You don’t care about money, you don’t care about money, you’re more passionate about young people’s fund-raising than they are after. But, in this atmosphere of national finance, there are plenty of cucumbers that have been harvested. The author analyzes this and shares it with you.
何以解忧，唯有暴富！
There's nothing to worry about but the rich!
这句话从一开始年轻人对恋爱没有指望，转而对发财充满寄望的调侃，逐渐演变成年轻人单纯追求财富、渴望实现财富自由的梦想。
From the beginning, young people had no hope of love, but instead of hope-filled reconciliation for wealth, the sentence had evolved into a dream of young people simply pursuing wealth and desiring to achieve its freedom.
你不理财，财不理你。虽“月光族”辈出，但如今的90后已经逐渐步入而立之年，生活的捶打也让他们越来越明白合理配置资产的重要性。投资已经成为一种自我修养，曾经享受当下的90后，已经开始作为主力加入到理财战场。
You don't care about money, you don't care about money. The Moonlights, though, are now 90 years old, and the beating of life makes them increasingly aware of the importance of a rational allocation of assets. Investment has become self-repair, and, after enjoying the current 90, it has begun to become a major player in the field of wealth management.
作为个性一代，自嘲“韭零后”的他们理财选择上也是多种多样，股票、基金、债券、保险的传统方式外，虚拟货币也备受追捧，买房购置不动产甚至也成为高端玩家的必选项。
As an individual generation, they also have a variety of financial options for cynics, such as stocks, funds, bonds, insurance, in addition to traditional ways of doing so, virtual money is well received, and the purchase of real estate even becomes a necessary option for high-end players.
90后们的理财之路，正在越走越“野”。
After 90 years, the road to wealth management is moving further and further away from the field.
2020年成为90后理财出圈的一个显著爆发点。股市和基金已经成为了年轻人的饭后谈资，更是时常登上热搜。
The stock market and the fund have become a source of money for young people, and more often than not, have become a significant flashpoint in the 90th century.
根据中国证券登记结算有限责任公司数据显示，2020年，境内股市新增投资者逾1800万，已经连续八个月实现百万增长，达到四年以来的新高。
According to data from China Securities Register Settlement Limited, in 2020, more than 18 million new investors in the domestic stock market had grown by a million in eight consecutive months, reaching a four-year high.
对于刚刚入场的90后，最青睐的是投资方式应该是基金。根据西南财经和支付宝联合发布的《中国家庭财富指数报告》，基金市场迎来的新用户中，90后比例已经近半。基金市场规模也迎来爆发式增长。
For the 90-year-old, the preferred way to invest is to be a fund. According to the report on China’s Family Wealth Index, published jointly by the Southwest Bank and the payment treasures, the Fund’s market has reached almost half of the new users.
银河证券基金研究中心数据显示，2020年各类新发行的公募基金合计1441只，募集规模高达31589.07亿元，是2019年募资规模的两倍多。
According to data from the Galaxy Securities Fund Research Centre, the total number of newly released public funds in 2020 amounted to 1,441, raising up to $31,589.07 billion, more than twice the size of the 2019 fund raised.
2020年，投资转“红”的背景下，基金占据“低风险+简单化”的两大红利，集合投资的形式大大降低风险；入局门槛低，不用开户，10元起买，一杯奶茶钱就可以定投起来，经由网络平台操作的便利性颇具诱惑力。还有证券投资经验丰富的基金经理进行操盘管理，更有科学性。
In 2020, in the context of a “red” shift in investment, the Fund occupied two major dividends of “low risk plus simplicity” and pooled investment in a form that significantly reduced risk; the entry threshold was low, without opening an account, 10 dollars for a cup of milk tea, and the ease of operating through a web-based platform was attractive.
当然，90后们的投资行为也极具个性化。决策之外，更是形成了理财圈层，微博、豆瓣、知乎、B站、抖音等年轻人聚集的社区都充满了搞钱的氛围，社交化属性明显。
Of course, the investment behaviors of the late 90s are very personal. Beyond the decision-making, the financial circles are formed, and the communities where young people gather, such as microblogging, bean petals, know-how, station B, shivering, etc., are full of money and socializing attributes.
微博#基金#话题已经有182.8亿阅读量；豆瓣上基金相关的小组数不胜数，“用利息生活投资理财小组”已经聚集59万多名“钢铁韭菜”；无论是长视频平台B站，还是短视频平台抖音，都聚集着大量的新生理财博主，复盘基金走势、股价波动……
Weibo #Foundation # already has 18.28 billion readings; Bean Peak Fund-related groups are numerous, and the "Little Steel Investment Group" has gathered more than 590,000 people; both long video platform B and short video platform tremors gather a large number of new bio-fibre owners, revisit fund movements, stock price fluctuations...
躬身入局的90后进入了“边买入，边学习”的状态。社群、社交媒体平台成为了年轻人解惑的特色途径，抱团取暖、互相打听、大V推荐、自主学习成了年轻人投资行为的主要依据。
The social media platform has become a unique way for young people to understand each other, warming up, listening to each other, promoting Big V, and self-learning have become the main basis for young people's investment behaviour.
甚至新入场的90后“新基民”带来了新玩法，以热捧明星的方式为明星基金经理打call，比如时常登上微博热搜的易方达蓝筹精选混合基金经理张坤，张坤粉丝们喊着“坤坤爱你、ikun永相随”、“坤坤不老，蓝筹到老”的口号，甚至成立后援会为其打榜。
Even the new 90-year-old “New Base People” has brought new ways of playing ball for star fund managers, such as Zhang Qun, who is often on microblogging, and Zhang Qun, who is the manager of the Fufanda Blue Fund, and whose fans are calling for “Quinquin loves you and kun” and “Quinquin is not too old, blue is too old” or even for the establishment of a back-up committee.
在微博上，“iKun”为他成立易方达张坤全球后援会、易方达张坤全国后援会，两个后援会都有近两万的粉丝。
On Twitter, “iKun” set up the Ifanda Zhang Kwan Global Support Society and the Ifanda Zhang Kwan National Support Society, both of which have close to 20,000 fans.
不仅张坤，朱少醒、王宗合、刘彦春、侯昊等知名基金经理的后援会也纷纷成立，如“招商白酒侯昊全球后援会”、“蔡嵩松头号粉丝”、“中欧葛兰全宇宙后援会”、“广发刘格菘全球后援会”……
In addition to Zhang Qun, Chu, Wang Jianzheng, Liu Yingchun and Hu Xuan, well-known fund managers have been set up as back-up groups, such as “Global back-up for the procurement of white wine,” “Tsai Qui-song, fan number one”, “Central European Graham Space back-up” and “Global back-up for the wide-wave Liu Quang”.
对基金大佬的膜拜之下，业绩优良的基金经理成为90后眼中锦鲤般的存在，饭圈化的戏谑模式一度出圈，让很多老基民表示“看不懂”。
90后基民充满趣味的“野路子”行为还不止这些，据“天下财经”的报道，基金投资群年轻化的趋势下，讨论区除了寻求理财信息，讨论产品收益，还能用来相亲，支付宝基金讨论区一度变身热门相亲角。 This is not all the more true of the interesting “nomadic” behaviour of the people in the post-90 era, which, according to the “beneficent economy”, is a trend towards rejuvenation of the Fund's investment pool, which, in addition to seeking financial information and discussing the benefits of its products, can be used to meet each other and to pay for a once-heavy encounter in the Treasure Fund's discussion area. 有基民在讨论区表示：“在这里相亲有不少好处：100%全真人，不用收费，筛除学历太低和不会用手机的，筛除月光族、无工资、无理财意识的，而且90后占大多数，甚至有00后。” In the discussion area, Keimin said: “There are many advantages to seeing each other here: 100 per cent of the whole person, free of charge, sifting of those who have too little education and do not use mobile phones, sifting of the Moon Light, unpaid, unjustified financial consciousness, and after 90, the majority, or even after 00”. 这也说明，基金正从一种理财产品，逐渐转变为新一代融入圈子的社交工具。90后不仅仅看重投资收益率，更享受融入其中，获得收益或教训的“真情实感”。 This also suggests that the Fund is gradually moving from a property-based approach to a new generation of social tools for integration into the circle. 当然，理财有风险，入市需谨慎。购买基金也是如此，并不能全然保证只赚不赔。 Of course, financial management is risky, and it requires caution in entering the market. The same applies to the purchase of funds. 根据MobTech统计发现，2021年3月初，基金市场大跌，基民们迎来满屏的“基金绿”。“基金大跌”关键词百度搜索指数也开始飙升，“跌妈不认”也频频登上微博热搜榜。 According to MobTech, in early March 2021, the Fund's market collapsed, and the Fund's “green” was fully fledged. The 100-degree search index for the Fund's “blown down” keyword was also on the rise, and the “mammalus” was frequently on the microblogging list. 在此情境下，“韭零后”一词横空出世。释义为：因为基金大跌而破灭坐拥百万资产梦想的，1990年以后出生的韭菜们。如此戏谑自嘲，让人苦涩的会心一笑。 In this situation, the word "after zero" is evaporated. The interpretation is: 理想与现实之间的差距，也来自于自我认知偏差，达克效应下，自信满满的90后们很难避免掉进自信陷阱。 The gap between ideals and reality also stems from self-conceptual deviations, with the Dade effect, when self-confident 90s are hard to avoid falling into the self-confidence trap. 据中国证券业协会和中国证券投资基金业协会的调查显示，超九成基民认为：自己的金融知识水平高于或处于同龄人平均水平；只有1%的投资者认为自己的金融知识水平远低于同龄人的平均水平。 According to a survey conducted by the China Securities Association and the China Securities and Investment Fund Association, 毕竟，“高点回落”是市场正常的震荡，对比60后、70后，韭零后理财人更加敢闯敢拼敢冒险，更热衷于追求短期效益。老一辈理财人更倾向于稳健的储蓄，而现在的年轻人则更愿意选择高风险高收益的投资方式。 After all, the “high-point fall” is a normal shock in the market, and after 60 and 70 years, post-zero financiers are more willing to risk and pursue short-term benefits. Older financiers tend to save more robustly, while today’s young people are more willing to invest in high-risk, high-yielding ways. 胜败乃兵家常事，有勇也要有谋，不能一味“追涨杀跌”，或许在不断的捶打试炼中，“小白”们终会变成“高手”。 Winning and defeat is a common matter for the army, and courage and skill are not the only thing to do. Perhaps the Whites will end up as “the masters” in constant testing. 值此全球经济紧张和经济大放水之际，很多90后投资者也并不满足于基金、股票带来的收益。回报更为丰厚的币圈，吸引了他们的注意力。 At a time of global economic tension and high economic activity, many post-90 investors are not satisfied with the benefits of the funds and equities. More lucrative currency circles attract their attention. 2020年年末尤其是2021年2月份以来，虚拟货币迎来牛市，小到普通韭菜，大到资本巨鳄，都开始加入到这场疯狂的赌局中。 Since the end of 2020, particularly in February 2021, the virtual currency has begun to join this crazy game of gambling, with its size ranging from bulls to ordinary pickles and capital giants. 自2020年入市以来，比特币价格从3800美金低谷时刻，走出一波强势上涨，历史高位达61800美金。短短一年之期，价格实现了接近20倍的涨幅空间。 Since entering the market in 2020, bitcoin prices have risen from a low of $3,800 to an all-time high of $61,800. In just one year, prices have increased nearly 20 times. 如果说2020年是基金的爆发元年，那么2021年90后入场最猛的要数虚拟货币。但其风险更甚，“要么归零，要么翻十倍”的疯狂感让人望而却步。 If the year 2020 is the year of the Fund’s outbreak, then the biggest amount of virtual currency will enter after 90 years in 2021. The risk is even greater, with the madness of “either zero or ten times”. 如果说股市的收益是搏一搏，单车变摩托，那么币圈的疯狂收益率甚至一夜之间可以获得一套海景房。很多入场较早的90后已经获得了第一桶金，实现财富自由，甚至成为这场狂欢中的主导，比如出生于1990年的孙宇晨，在币圈风生水起，成为拍下巴菲特午餐的话题人物。 If the stock market pays for a fight and a bicycle to a motorcycle, then the currency circle’s crazy rate of return can even get a seaview house overnight. Many of the early 90s have already received the first barrel of gold, free of wealth, and even dominated the festivities, such as Sun Woo’s morning, born in 1990, when the currency ring rose and became the subject of a barfette lunch. 但币市与股市的模式有很大不同：股市走T+1交易模式，单向做多，交易时间和周期受限；而币市是T+0模式，多空交双向交易，24小时全天候参与。币市的风险也更甚：股市至少背靠公司金融，币市玩的就是一个概念。 , but the model of the stock market differs considerably from that of the stock market: the stock market goes to the T+1 trading model, one way more, and the time and periodicity of the transactions are limited; the currency market is the T+0 model, multi-altitude two-way trading, with round-the-clock participation. The risk of the currency market is even greater: the stock market depends at least on corporate finance, and the money market is a concept. 虚拟货币的本质是一种基于区块链解构、完全可信任的数字现金货币。比特币之外的众多虚拟货币也令人眼花缭乱：以太币、火币、各类犬币、狐狸币、猪猪币、蚂蚁币、兔兔币，甚至皮卡丘币层出不穷…… The essence of a virtual currency is a fully trusted digital cash currency based on block chains. A lot of virtual money outside of a bitcoin is also confusing: coins, coins, canine, foxes, pigs, ants, rabbits, even pickups. 比如特斯拉CEO马斯克更是为狗狗币站台，光环效应下，2021年以来，该币种开启暴涨模式，最高时上涨74倍。 For example, Tesla CEOmask is a station for dog money, which, under the halo effect, has been rising 74 times since 2021. 大佬站台，涨势喜人，90后们自然跃跃欲试。其实涌入币圈的逻辑很简单，一位网友就指出：“比特币翻了至少40万倍，创造了多少财富自由的人。只要不玩杠杆，投几万就在那放着，说不定过了几年直接改变人生，就算亏了，也没啥。” The big man stands on the stage, rises and rises, and then the 90s jumps and tries. The logic of coming into the currency circle is simple, and one of the web users says, "Pitcoin flips by at least 400,000 times and creates a lot of freedom. If you don't use leverage, you put tens of thousands of dollars in there. Maybe a few years to change your life, if you lose it, there's nothing." 但巨大吸引力面前，很少有人能克服贪欲不追涨杀跌。一旦加了杠杆，如果亏损金额超过押金，那么就会被强制全部卖出，最后血本无归。焦虑的沉沦者，不在少数。 But in the face of great attractions, few can overcome their greed. Once leverage is added, if the loss exceeds the deposit, they are forced to sell them all and the blood is lost. Worried losers are not in the minority. 理性的90后币圈玩家也将比特币等虚拟货币看作是“抗通胀”的一类分散投资。毕竟鸡蛋不能放在一个篮子里，资产配置想要对抗风险，比特币等虚拟货币确实是一个不错的选择。 Rational post-90 currency players also see virtual currencies like Bitcoin as a kind of “inflation-resistant” type of decentralized investment. After all, eggs cannot be placed in a basket, assets are configured to counter risk, and virtual currencies like Bitcoin are a good option. 另一边，很多90后将目光瞄准了上游的“挖矿”。所谓挖矿，即在计算机下载挖矿软件后运行特定算法，获得比特币等虚拟货币。相比于在二级市场的风险，挖矿是一门“躺赢”的暴利生意。 On the other side, many 90 years later, they look at upstream “mining.” The so-called mining, that is, running specific algorithms after computer downloads of mining software, obtains virtual currency, such as bitcoin. Compared to the risk in the secondary market, mining is a “win-win-win” business. 只要币价不是跌得太惨以至于击穿成本，挖矿总是有收益的。光大证券指出：“从2020年开始，挖矿行业每年有望新增收入约180亿美金。” As long as the currency does not fall so badly that it hits the cost, the mining will always be profitable. The big securities say, "As of 2020, the mining industry is expected to earn about $18 billion a year." 挖矿多采用安装大量显卡的方式工作，以至于带火了显卡，虚拟货币价格上涨带动挖矿产业火爆，加之缺货，继而拉动了显卡价格的持续上涨，以至于价格翻倍也“一卡难求”。 Mining is often carried out by the installation of a large number of visible cards to the extent that they are burned, and the increase in the price of virtual currency is responsible for the explosion of the mining industry, coupled with a shortage of goods, which in turn drives the continued increase in the price of the cards to the extent that the price doubles to the point that it is “hard to ask”. 但挖矿耗电量较大，矿机价格也水涨船高，散户们的生存空间越来越小，很多条件有限的90后转而个人挖取一些更容易的小众币种。但随着监管趋严，部分省市限制加密货币交易和挖矿的行动，“矿工”们的日子也越来越难过。 But mining consumes more electricity, and the price of machines rises, and the vast majority of the population has less and less room for survival, many of which have limited conditions. But, with tighter regulation, some provincial and municipal restrictions on encrypt currency trading and mining operations, the days of the “miners” are getting worse. 震荡之中，币圈江湖本就波荡起伏。政策强压之下，造富效应也在逐渐失效。 During the tremors of , the circle of coins rises and falls. Under the pressure of policy, the enrichment effect fades. 虚拟货币的风险不可不察，从“欣喜若狂”到“哀鸿遍野”可能只是几分钟的事情。币圈的疯狂也逐渐散去，长期投资者外，很多90后玩家也开始退场。 The risks of virtual currency can only be observed, ranging from ecstasy to cynicism, which can take a few minutes. The madness of currency circles has spread, with long-term investors outside, and a lot of players have left after 90. 在这参差的世界，币圈神话哪有那么容易被复制呢。 In this mixed world, currency myths are so easy to copy. 上海高金金融研究院发布的《2020国人理财趋势报告》显示，90后已经成为理财大军的主力；腾讯理财通联合企鹅智库发布的《90后理财与消费报告》也显示，超八成90后有理财习惯，投资理财收益已成为90后工资外最普遍收入来源。 The report on financial trends in the country for 2020, issued by the Shanghai Gold Institute of Finance, shows that, after 90 years, it has become the backbone of the financial forces; and the report on fiscal management and consumption after 90 years, issued by the Convergence of Financial Resources and Finance and the Penguin think tank, shows that after 80 per cent of the financial practices, investment returns have become the most common source of income beyond the wages of the 1990s. 理财，已经成为90后的生存必修课。 潮起潮落，趋势更迭，无论是理财小白的“第一门课”基金投资，还是能激发无限欲望的虚拟货币，趁势而起后，又很快归于沉寂：股市会回调，币圈在震荡。烈火烹油之中，沉浸其中的年轻人更早地领略到搞钱带来的激动与酸楚，欲望涌动过后，“韭零后”们也拥有了更参差的财富认知。 The tides, the changes in trends, whether in the “first lesson” fund for money management, or in the virtual currency that inspires an infinite desire, then quickly fall into silence: the stock market returns and the currency convulses. In the hot cooking oil, young people immersed in it learn earlier about the excitement and acidity of the money, and after the rush of desire, the “after-zero” also have a much more mixed sense of wealth. 还是那句话：投资有风险，决策须谨慎。股票市场一直有句颠扑不破的坊间信条：当你身边所有人都在讨论股票的时候，就说明到了市场泡沫严重的时候，熊市即将来临。这句话也同样适用于基金与币圈，高调起势后，行情也开始回落。 The same thing: investment is risky, and decision-making must be cautious. The stock market has always had an intransigent guiding principle: when everyone around you is talking about stocks, it shows that the market bubble is about to come. The same thing applies to the funds and the currency, and when the boom rises, the moods begin to fall. 熙来攘往，市场热度散去，落差会令人难以承受。很多入场后初尝败绩赔钱之后的年轻人，纷纷逃离“退圈”，公共空间的讨论也不如往日火爆。 The heat of the market spreads and falls are unbearable. Many of the young people who enter the field after they have experienced a loss of money have fled the circle, and discussions in the public space have not been as hot as they have been in the past. 投资是理性决策，而非感性沉浸。 比如基金经理的饭圈化现象，把基金经理捧上神坛，甚至带来基金规模过大的风险，也并不能解决震荡中造成的亏损。业绩不及预期后，赞誉变为骂声，也解决不了本质问题。 For example, the circleing of fund managers, putting fund managers on the altar, and even the risk of the Fund being too large, does not solve the losses caused by the shock. It does not solve the fundamental problem by turning praise into scolding after performance has fallen short of expectations. 比特币虽有马斯克等大神站台，但其过山车般的波动性更是阴晴不定，甚至落得血本无归、一地鸡毛的结局。 Bitcoin, although it has great shrines such as Musk, is more volatile than a mountain roller coaster, and even ends up with no blood, no hair at all. 理财知识学习区也“水很深”，种种理财媒体的教程也好，复盘也罢，大多千篇一律，“事后诸葛亮”。更有大V以粉丝群方式吸引小白开户、知识星球付费等方式在小白入场之前就进行一波先行收割，套路满满。财商课程也良莠不齐，被套之后的幡然醒悟总是为时已晚。 The financial learning area is also “water-deep” and the curricula of the various financial media are good, and most of them are “posthumous.” The bigger V is a fan grouping that attracts small white openings and the knowledge planet pays for a wave of harvests and a full set of roads before the whites come in. The money business curriculum is mixed, and it is always too late to wake up. 初次体验理财的新鲜感过后，曾经趁着牛市入场、懵懂的90后小白们也会逐渐发现投资是个并不轻松的话题。经历失败的捶打收获，一夜暴富的美梦或许已经破碎，脚踏实地的长线“价值”投资才能看见曙光。 After the fresh sense of wealth for the first time, the whites will find that investment is not an easy topic when they enter the cattle market and understand it. After a failed harvest, the beautiful dreams of one night’s richness may have broken, and long-term “value” investments on the ground can see the light. 保持一颗平常心，做理性的投资人才最重要。 keeps a common sense, and the most important thing is to invest rationally. 诚然，90后中不乏“基金大佬”或是“币圈神话”，但实际上大多数人都是平凡“韭零后”，变身理财达人的背后也充满着同代人的起跑线焦虑，大多数人没有孤注一掷的暴富野心。 To be sure, after 90, there was no shortage of the “fundamental man” or the “bill myth”, but in reality most of them were ordinary “after nothing,” and behind the protagonists there was also anxieties about the start-up lines of the same generation, and most of them had no desperate ambitions for wealth. 基金、股票、债券、保险、虚拟货币甚至房产，理财手段的组合多种多样，不同阶段有不同的配置需求，细水长流才是硬道理。 The combination of funds, equities, bonds, insurance, virtual money and even real estate is diverse, with different configuration needs at different stages. 毕竟除了搞钱，生活还有诗和远方，脚踏实地创造的幸福生活才更安稳。 After all, in addition to money, life has poetry and far away, and the happiness that is created from the ground is more secure. 本文由 @社区营销研究院 原创发布于人人都是产品经理，未经作者许可，禁止转载。 This post was originally published by the @Community Marketing Institute as a product manager and is prohibited from reprinting without the author's permission. 题图来自 Unsplash，基于 CC0 协议 The title is from Unsplash, based on the CC0 protocol.
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