【杂谈】股市有风险,入市别谨慎
股市有风险,入市须谨慎。这几乎已经成为我们国家的一句老生常谈的警句了。可问题是他真的起到应有的效果了吗?
通常,这句话会出现在每个证券开户合同上,作为一句提请客户警惕的话。但究竟有多少客户在看到这句话之后畏畏缩缩,迟疑不前了呢?恐怕没有。下决心去证券公司开户的人,通常都做好了准备,而不会是那些第一次听说证券交易这回事的人。而也只有没有充分心理准备被赶鸭子上架的投资者,才会被这句话晃一下眼。那么这句话起到了什么作用?我认为,这句话起到了不良作用——让人们把证券交易和赌博画上了一个约等号。
“风险+谨慎+金钱”很容易给人们一种错觉,此乃一个以钱搏钱的游戏,自己的钱很有可能血本无归。甘冒丢掉钱包如此的风险而进场,无非大家都一个念头,要吃掉别人的钱包。但以这种想法理解股市,显然是太片面了。这里无需我这个外行对股市做什么科普,大家也应该能理解,股市这个巨大的资本池并不是一场零和博弈。股市中既可获取上市公司的红利,也可根据股价的变动赚取价差。而这前面这一个盈利的方法是不会让有人欢喜有人愁的,至少在股市里。
那么这样的一种错觉产生了什么影响呢?最直接的就是体现在鼓励短线操作群体的壮大。既然是一场赌博,为什么不赌的轰轰烈烈。于是乎大量的民众,尤其是散户,皆把股市看成一个老虎机,期望自己塞进的硬币可以吐出十倍来。正是这样的非平常心,造成一个急功近利的循环。
其实这里我正要指出的是,对散户来说,没有风险,何必快进快出?进出多了,仅有的那点资金倒真的由于手续费的问题缩水不少。以一个稳定的宏观背景作为默认条件,所谓股市风险,按我的理解就在于流动性短缺。而流动性的短缺,对企业机构来说才是最致命的问题,平头百姓,备好生活必须,何来资金链断裂(社保问题暂不考虑)?因此,在固定的时间获取固定的收益率,是机构才需要关注的问题,这也是机构“炒”股的必要性。但对于小散,我特别反对使用“炒股”这个词来描述他们的股市投资行为。“炒”乃上下翻动也,小散的钱显然起不到这样的效果,那叫什么“炒股”呢?这个轻浮的用词势必给股民带来轻浮的影响。
对于广大股民,其实最好的方法是稳坐钓鱼台,在国家政策条件好的情形下,拿出一部分闲钱,看准了再下手,打死不松手,让他们庄家炒去,炒熟了咱好吃热菜。闲钱无风险,反正这笔钱我就当投资了,上上下下我不愁,我一个脑筋也没法跟人家一个团队的脑筋比拼。过了一年半个月,我去瞅瞅,多了我就拿点,少了我就当它没了,如此入股,岂不乐哉。
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