十大投资误区 Top 10 Investing Mistakes

Before investing, it is imperative that you have money to set aside for such purposes. This means income beyond that needed for your living expenses. Once you have an amount that you can invest, it is up to you to focus on your investment objectives. Common reasons why people begin their investment portfolios are retirement, college tuition for your children, and buying a home. Below are some common investing mistakes.

1. Lack of diversification. Rule of thumb, if you put all of your eggs in one basket you are taking a much greater risk than if you diversify. Spread your investment money around.

2. Looking for instant results. Most investments take time to grow, particularly if you are invested in the stock market. Too many investors make the mistake of getting easily frustrated and selling quickly. While there are successful day traders, it is not recommended for most people and not the way to build an investment portfolio.

3. Chasing results. Yesterdays hottest stocks or funds are not necessarily today's. Research investment vehicles and look for those that you anticipate will do well based on past results and indicators of future performance.

4. Not thinking of allocation first. Buying a stock, bond, fund or other investment before determining your asset allocation is a very common mistake. Too many people put the cart before the horse. The first step toward successful investing should be determining how much you plan to invest in each asset class (i.e., bonds, stocks) to meet your goals.

5.Not assessing your level of risk. Essentially, you have to consider how much money you can comfortably afford to lose without losing too much sleep. Investors frequently make the mistake of jumping into high risk investments for which they were not prepared.

6. Not doing your homework. No matter what type of investment instrument you are considering, it is important to do the research. There are numerous web sites and publications in which to research and compare companies.

7. Deviating from your investment objective. One of the biggest mistakes investors make is not sticking to their original investment strategy. Do not let yourself get diverted by a hot tip, a sudden trend or a sudden down market.

8. Not understanding a particular investment. We have all heard stories of individuals who have been talked into investing in futures or other investment vehicles that they did not fully understand. Make sure you are have an understanding of the type of investment and you are comfortable with the risks involved before proceeding.

9. Blindly following the advice of a broker. If brokers knew all of the best stocks and mutual funds they would have made enough money to retire. Therefore, you should still do some research even once it is recommended by a broker. You also have to work only with a broker whom you feel you can trust implicitly.

10.Not following your investments. Many people pay attention to their investments for a while and then make the mistake of getting sidetracked or losing interest. You should keep track of your investments on a regular basis.

1.缺少多样性。根据拇指规则，如过你把你所有的鸡蛋扔到一个篮子里面，你将会面临的风险将大于你分散放置鸡蛋。分散你的投资资金。
2.急于求成。许多投资项目需要时间成长，特别是股票市场。太多投资者容易犯买空卖空的错误。尽管也有成功的日交易商，但针对多数人我们并不推荐仅一种模式的投资组合。
3.追求结果。昨日最热门的股票或基金并非今日的宠儿。研究投资工具和寻找那些你预期行情不错的投资产品是基于以往的成果和未来绩效的指示。
4.一开始未合理配置资产。在确定你的资产配置前就购买了股票、债券、基金或其他投资产品是一个非常普遍的错误。太多人本末倒置。成功投资的第一步需要确定每种资产类别（比如债券、股票）计划投资的金额从而实现你投资目标。
5.不评估自身风险。本质上讲，你不得不考虑你能够承受多大损失而不至于失眠。投资者常犯的错误就是不顾一切进行他们事先没有做好准备的高风险投资。
6.不事先做好家庭作业。不论你考虑何种类型的投资手段，做好调查工作非常重要。众多的互联网站和出版物能为你提供调查和比较相关公司的有用信息。
7.背离你投资的目的。投资者最容易犯的重大错误之一就是不能一直坚持他们初始的投资策略。不要被忽高忽低的市场走势迷昏头脑。
8.不了解某一特定投资. 我们常一些人谈起他们投资于他们并不完全了解的期货或其他投资工具的故事。只有确信自己了解某一投资类型才能使得你在投资路上一帆风顺。
9.盲目听信经纪人的建议。如果经纪人真的能知道所有稳赚不赔的股票和共同基金，他们早就赚足钱回家养老了。因此，即使是经纪人推荐，你仍需做好必要的调查工作。当然，你必须和一个你信得过的经纪人合作。
10.不能延续你的投资。许多人仅是暂时性关注他们的投资，易犯转移目标或丧失兴趣的错误。投资者应当井然有序保持自身投资的延续性。