天秤座画家的个人主页 - 老虎社区

天秤座画家

天秤座画家

一个赌徒～

IP属地：上海

35关注

37粉丝

15主题

0勋章

天秤座画家

12-11

Replying to @WindHerding:真的吗？没看到新闻//@WindHerding:否掉了

天秤座画家

2023-02-15

$特斯拉(TSLA)$ cpi也挡不住，其实心里是慌得

天秤座画家

2022-12-05

$特斯拉(TSLA)$ 你是能玩的起不？不怕这么玩，这么割韭菜，玩烂了？看到call得期权太多下死手了？为了给推特续命不至于吧？

天秤座画家

2022-11-15

$腾讯控股(00700)$ 腾讯牛逼～继续啊，千万别财报过后泄劲～距离回本遥遥无期。

天秤座画家

2022-11-10

$特斯拉(TSLA)$ 怎么回事，突然涨这么凶，CPI发了？

天秤座画家

2022-03-24

可悲又现实

一周亏完一年的工资，我还在帮人理财

天秤座画家

2022-01-27

$特斯拉(TSLA)$完了，期权炸了

天秤座画家

2021-12-24

$特斯拉(TSLA)$实践证明真的没有必要短线，就是管不住手～不知道什么时候就上不去车了～多发点帖子等级是不就上去了～

天秤座画家

2021-12-24

$FB 20220121 360.0 CALL$ $Meta Platforms(FB)$静等节后～还是有信心的～

天秤座画家

2021-11-30

$Meta Platforms(FB)$$罗素2000指数ETF(IWM)$这没完没了的疫情😷最近有没有被深度套牢的。好惨。马上要归零了😭

天秤座画家

2021-10-27

$罗素2000指数三倍做多ETF-Direxion(TNA)$还有人关注么

天秤座画家

2021-10-15

$维珍银河(SPCE)$还想从韭菜身上割点什么，要不要裤衩也割走

天秤座画家

2021-08-10

$腾讯控股(00700)$坚持等待

天秤座画家

2021-07-15

$苹果(AAPL)$还有多少肉能吃？静等

天秤座画家

2021-07-10

$苹果(AAPL)$整整被套了半年，可算是守得云开见月明了[流泪]

天秤座画家

2021-06-26

$维珍银河(SPCE)$耐心等～

天秤座画家

2021-06-25

$苹果(AAPL)$全都在涨，涨疯了那种涨。就苹果简直就像硬不起来一刚。废物

天秤座画家

2021-06-08

$苹果(AAPL)$有戏木有

天秤座画家

2021-05-28

$苹果(AAPL)$我是做了什么孽

天秤座画家

2021-05-17

**不当人

抱歉，原内容已删除

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@WindHerding:真的吗？没看到新闻//@WindHerding:否掉了","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/380428223135784","isVote":1,"tweetType":1,"viewCount":86,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":625612893,"gmtCreate":1676432625313,"gmtModify":1676433597369,"author":{"id":"3552081912695528","authorId":"3552081912695528","name":"天秤座画家","avatar":"https://static.tigerbbs.com/4c11015162772e8687929092af7a0e42","crmLevel":5,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3552081912695528","authorIdStr":"3552081912695528"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/TSLA\">$特斯拉(TSLA)$&nbsp;</a><v-v data-views=\"1\"></v-v>cpi也挡不住，其实心里是慌得","listText":"<a href=\"https://laohu8.com/S/TSLA\">$特斯拉(TSLA)$&nbsp;</a><v-v data-views=\"1\"></v-v>cpi也挡不住，其实心里是慌得","text":"$特斯拉(TSLA)$ cpi也挡不住，其实心里是慌得","images":[{"img":"https://static.tigerbbs.com/a749b57da3fa910157e20adfeab93208","width":"1125","height":"1476"}],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/625612893","isVote":1,"tweetType":1,"viewCount":1829,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":2,"langContent":"CN","totalScore":0},{"id":629399243,"gmtCreate":1670243681483,"gmtModify":1670243682659,"author":{"id":"3552081912695528","authorId":"3552081912695528","name":"天秤座画家","avatar":"https://static.tigerbbs.com/4c11015162772e8687929092af7a0e42","crmLevel":5,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3552081912695528","authorIdStr":"3552081912695528"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/TSLA\">$特斯拉(TSLA)$&nbsp;</a>你是能玩的起不？不怕这么玩，这么割韭菜，玩烂了？看到call得期权太多下死手了？为了给推特续命不至于吧？","listText":"<a 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生割"}],"imageCount":0,"langContent":"CN","totalScore":0},{"id":667934046,"gmtCreate":1668499109785,"gmtModify":1668500140373,"author":{"id":"3552081912695528","authorId":"3552081912695528","name":"天秤座画家","avatar":"https://static.tigerbbs.com/4c11015162772e8687929092af7a0e42","crmLevel":5,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3552081912695528","authorIdStr":"3552081912695528"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/00700\">$腾讯控股(00700)$&nbsp;</a><v-v data-views=\"1\"></v-v>腾讯牛逼～继续啊，千万别财报过后泄劲～距离回本遥遥无期。","listText":"<a href=\"https://laohu8.com/S/00700\">$腾讯控股(00700)$&nbsp;</a><v-v data-views=\"1\"></v-v>腾讯牛逼～继续啊，千万别财报过后泄劲～距离回本遥遥无期。","text":"$腾讯控股(00700)$ 腾讯牛逼～继续啊，千万别财报过后泄劲～距离回本遥遥无期。","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":2,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/667934046","isVote":1,"tweetType":1,"viewCount":1738,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":664270028,"gmtCreate":1668087592864,"gmtModify":1668087593992,"author":{"id":"3552081912695528","authorId":"3552081912695528","name":"天秤座画家","avatar":"https://static.tigerbbs.com/4c11015162772e8687929092af7a0e42","crmLevel":5,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3552081912695528","authorIdStr":"3552081912695528"},"themes":[],"htmlText":"<a href=\"https://laohu8.com/S/TSLA\">$特斯拉(TSLA)$&nbsp;</a>怎么回事，突然涨这么凶，CPI发了？","listText":"<a href=\"https://laohu8.com/S/TSLA\">$特斯拉(TSLA)$&nbsp;</a>怎么回事，突然涨这么凶，CPI发了？","text":"$特斯拉(TSLA)$ 怎么回事，突然涨这么凶，CPI发了？","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":6,"repostSize":0,"link":"https://laohu8.com/post/664270028","isVote":1,"tweetType":1,"viewCount":12090,"authorTweetTopStatus":1,"verified":2,"comments":[{"author":{"id":"3488419886345889","authorId":"3488419886345889","name":"junjia","avatar":"https://static.laohu8.com/default-avatar.jpg","crmLevel":7,"crmLevelSwitch":0,"idStr":"3488419886345889","authorIdStr":"3488419886345889"},"content":"才相差一点点 有必要涨得那么夸张？","text":"才相差一点点 有必要涨得那么夸张？","html":"才相差一点点 有必要涨得那么夸张？"}],"imageCount":0,"langContent":"CN","totalScore":0},{"id":637599128,"gmtCreate":1648125579631,"gmtModify":1648125579631,"author":{"id":"3552081912695528","authorId":"3552081912695528","name":"天秤座画家","avatar":"https://static.tigerbbs.com/4c11015162772e8687929092af7a0e42","crmLevel":5,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3552081912695528","authorIdStr":"3552081912695528"},"themes":[],"htmlText":"可悲又现实","listText":"可悲又现实","text":"可悲又现实","images":[],"top":1,"highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"link":"https://laohu8.com/post/637599128","repostId":"2221754550","repostType":2,"repost":{"id":"2221754550","kind":"highlight","pubTimestamp":1648123860,"share":"https://www.laohu8.com/m/news/2221754550?lang=&edition=full","pubTime":"2022-03-24 20:11","market":"hk","language":"zh","title":"一周亏完一年的工资，我还在帮人理财","url":"https://stock-news.laohu8.com/highlight/detail?id=2221754550","media":"虎嗅","summary":"你不理财，财不离你","content":"<html><body><p><span label=\"备注\">本文来自微信公众号：</span><span>三联生活实验室（ID：LIFELAB2020）</span><span>，作者：林林，编辑：阿联，头图来自：<a href=\"https://laohu8.com/S/000681\">视觉中国</a></span></p><p>作为一个90后理财经理，林林的工作，就是帮人赚钱。</p><p>在上海<a href=\"https://laohu8.com/S/600663\">陆家嘴</a>，比起爱情神话，她看了更多财富神话。基金经理一发话，基民有钱就往里投。在陆家嘴走一走，感觉每个人都身家过亿。</p><p>但是现在，股灾来了，疫情也来了。过去林林在酒桌上听有钱人谈笑风生；现在只能坐在家里，一天接几十个电话，安抚亏了大钱的客户爸爸。</p><p>没有人再敢理财了，她也没了收入，陆家嘴造富神话也没人再提。</p><p>做金融才2年，这是她赶上的第2次股灾了。“有时候我都怀疑，我是不是命里克钱，还偏偏要做帮别人赚钱的工作。”</p><p>这里是林林眼中，股灾前后的陆家嘴。</p><p label=\"大标题\">01 买基金的钱，不如拿去买包</p><p>上一次股灾是2020年春节后的“千股跌停”，如果说上一次股灾是“突然”，这一次股灾就是“绝望”。</p><p>从开年就跌，人们在对股市的怀疑中，一点点跌到绝望的谷底。</p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183205801328.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p>我研究生毕业后就在陆家嘴的一家证券公司工作，主要就是解决各种客户“钱生钱”的理财需求。</p><p>90后是陆家嘴的新生代力量，不少人从2019年开始炒股，每年都要被收割一回，属于跑步进场被反复收割的“韭0后”。</p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183206847892.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p>“亏到上天台”我也算是见怪不怪了，《大时代》开头天台那一幕，连续几天被改成当天的日期。</p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183206788115.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183207270906.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183208099683.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p>我一个朋友和我说，他把几个炒股的app一起卸载了，“每天不跌的时间比我的睡眠时间都短。一睁眼开始亏钱，闭眼的时候还在亏钱。”</p><p>中概股几天里跌掉过去几年的涨幅，互联网大厂人先绷不住了。</p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183208791994.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p>我一个朋友在快手，入职时没拿到期权。以前是气不过，现在是窃喜，因为拿期权的人亏到相当于去年白干。</p><p>听说有的大厂天台都封闭了，怕有人冲动跳楼。</p><p><strong>万幸的是，因为从业限制，我不能炒股。以前是眼看客户赚钱，现在是旁观客户亏钱。</strong></p><p><strong>不幸的是，我还能买基金。</strong></p><p><strong>短短一周，已经亏完了我一年的基本工资。</strong>关键是我真的没有瞎投资，我买的基金都是做过研究的，不仅我自己敢买，还敢推荐客户一起买——结果还不如抓阄在基金市场里买一把子亏得少。</p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183209710587.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p>在我这买了基金的客户，有身价上亿的公司老板，3天就能亏掉一套上海的房子。从来不关心账户的老板娘，也要追着我问为啥亏钱。</p><p>她们后悔这些钱买了基金，而没有买铂金包、莫桑比克精品红宝石，和哥伦比亚精品祖母绿。</p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183210766198.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p>也有刚攒下一点点积蓄的学生党，1000块的本金是他们投资基金的入场券，亏掉的200块是他们交的学费，还剩下800块他们会在每天问我一遍“要不要拿出来”，最终在还剩600的时候选择割肉离场，认为金融市场就是诈骗。</p><p>亏钱让人急于想知道一个答案。</p><p>大跌的时候，平时只用微信联络的客户，开始疯狂给我打电话了。一方面可能打字的功夫又要亏好多钱，另一方面要确定我还联系得上，怕我跑路。</p><p><strong>我没有休息时间，手机就是定时炸弹，开个会的功夫我能收到客户的50多个未接来电。</strong>我妈都没这么找过我。</p><p>我把手机铃声音量调到最大，毕恭毕敬地对待每一个陌生号码的来电。我怕漏接一个客户的电话，没有做好安抚，就把我投诉了。</p><p>我不能再因为投诉被扣工资了，要不更没钱补仓了。</p><p label=\"大标题\">02 比看上去精致更可怕的，是看上去专业</p><p>巨亏之下，没人能说出来为什么、怎么办。</p><p><strong>陆家嘴最不缺金融专业人士</strong>，股市上涨的时候，在陆家嘴吃个东北水饺，都能听到邻桌讲自己为什么能赚钱。</p><p>但现在，这些人好像都一起哑了。业界交流只会说说段子，外加比惨。</p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183213211916.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p><strong>在陆家嘴，比起被打脸，承认自己根本看不懂这个市场，才是丢人的事情。</strong></p><p>刚来到陆家嘴的时候，我每天都在惊叹中度过，这里钱太多了，能人太多了，每个和你交谈的人都好像掌握了财富密码。</p><p>甚至你不能说自己不懂。</p><p>一次饭局上，一位知名股评人让我讲讲对于当时行情的观点。我说我不太能看得懂，也怕说出来不专业，他直接就半开玩笑地说：“你连这个都不会讲，那你老板还给你发工资啊？”</p><p>逐渐地，我发现看两句网上的观点，再用自己的话转述出来，别人就会觉得你是有自己态度的。</p><p>习得多次，我竟然也可以对国际局势、宏观形势、产业发展甚至某公司八卦侃侃而谈了。</p><p>有个段子是这么说的：一个开公司的老板问一个做金融的：“你对股市怎么看？”</p><p>做金融的从宏观政策，讲到行业发展，再讲到上市公司选择。老板听完之后笑了：“你们这些人虽然穷，但是懂的是真xx多啊！”</p><p>去年的基金市场是很疯狂的，原来只要能让人赚钱，基金经理也当“网红”：后援会有名字，<a href=\"https://laohu8.com/S/WB\">微博</a>有超话，还有粉丝给你打call。</p><p>比起明星饭圈，对基金经理的“打投”，那更是真金白银。只要你相信这个基金经理，他管理30亿的产品，追随者就可以丢300亿进去。</p><p><strong>虽然我不算是基金“饭圈女孩”，但我看数据、读研报、看访谈，甚至当面跟基金经理交流过。我也真的相信，跟着他们能赚到钱。</strong></p><p>现在股灾来了，我挨客户骂的时候也在反思，<strong>究竟是我太不专业了，还是他们都看上去太专业了？</strong></p><p>赚钱效应让基金经理拥有明星般的光环，明星般的收入，甚至明星般的待遇。他们拍视频，上直播，就差有属于自己的综艺节目了。</p><p>基金最赚钱的时候，每家基金公司都有自己专门的直播间，候场室里还有化妆师给做造型。</p><p>我见过一个基金经理上直播最多带了3个助理，开播前要先和助理沟通，现场全部到位才能把基金经理请出来。</p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183218617562.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p>回想起来，网红基金经理让大家能赚到钱，大概率因为当时市场本来就好，谁买谁都赚；而现在，股灾来了，再高明的投资方法都不好使。</p><p>我原本以为，我这个理财经理，其实就是个销售，处在陆家嘴的最底层；股灾一来，潮水退去，我才发现：<strong>也别谁看不起谁了，大家都是销售。</strong></p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183219507945.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183220361515.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p>去年夏天，一个当时风头正劲的网红基金经理，给我看他的基金讨论区。投资者像“饭圈女孩”一样蹲守在讨论区发布观点、表达爱意、誓死相随。</p><p>但他当时只有一个想法：能不能用这些“爱”，让公司多给点年终奖？</p><p label=\"大标题\">03 陆家嘴金融女，不能看起来没钱</p><p>在陆家嘴，你全身上下如果看上去不超过5万，是一单也卖不出去的。男的是皮带，女的是包，要是一眼看不出来牌子，那别人就觉得你大概是个实习生。</p><p>而实际上，绝大部分刚工作的陆家嘴金融人，拿着8000月薪，住着20公里外的合租房。</p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183222364140.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p>极限情况下，我一个月生活费只花1000块。上海白领每天不喝睡不着的咖啡我是没有的，有时候甚至午饭都不吃，省下的钱我全部用来投资基金。</p><p>我把钱交给了那些我认真选择过的基金经理，结果还是套在里面。以前是不吃午饭为了投资，现在是因为投资吃不起午饭。</p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183223010418.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p><strong>我还是相信“只要不卖，迟早有一天会涨回来。”但我现在必须从里面抽钱出来消费——为了让自己“看起来体面”。</strong></p><p>陆家嘴确实多得是真有钱人，但你无法分辨真假，唯一能确定的就是自己真的很穷。</p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183224278911.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p label=\"图片备注\">在小红书搜索“陆家嘴 穿搭”</p><p>夏天你可以只背一个奢侈品包包装点门面，但冬天是最让人感到焦虑的季节：满陆家嘴都是羊毛大衣的水波纹、Logo印花的围巾，和<a href=\"https://laohu8.com/S/GOOS\">加拿大鹅</a>的羽绒服。</p><p>没人规定商务拜访不能穿<a href=\"https://laohu8.com/S/03998\">波司登</a>，但同行无时无刻的精英感，让人卷在其中，无法自拔。</p><p>曾经一位身价上亿的客户姐姐在关系变熟后提醒我：<strong>“你还是得买个像点样子的包包，你背的包一看就是没赚到钱，谁敢信你能让人赚钱？”</strong></p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183227809322.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p>我先是买了经典款的老花包包，然后大出血给自己买了件MaxMara的大衣，买完连优衣库的内搭都买不起了，直接跳崖降级到<a href=\"https://laohu8.com/S/PDD\">拼多多</a>。</p><p>后来我有一个新同事入职，她来面试的时候，全身上下连皮带都是LV的。变熟之后她教我买A货，非常自然：“出去拜访客户没点气势也不行的啊。”</p><p>那之后，我也没那么容易被同行一身奢侈品唬住了。</p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183228293771.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p>陆家嘴女孩，看起来不寒酸只是底线，最好还得好看得明显。</p><p>去年冬天参加一场基金经理圆桌讨论，主办方老总是一位标准优雅金融女性。她和我交流的时候说：</p><p>“做金融的女孩子要看起来永远让人感到21℃的如沐春风。现在不是有‘光腿神器’吗？冬天也要把裙子穿起来的呀。”</p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183229005315.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p>陆家嘴的女孩如果好看，就永远不缺饭局。在陆家嘴某个露台吃人均2000+日料的时候，我也觉得自己认识很多大佬，能盘活他们的资源。</p><p>等喝多了，自己打车回到出租屋，还要保持安静不要吵到室友，就会一秒回到现实。</p><p>和股灾前后脚到来的，是疫情在上海蔓延，我们开始居家办公。在平时，不用通勤、没有应酬，我肯定会特别开心。但现在股灾来临，客户不敢投资，我也就没有业绩，没有钱。</p><p>前几天我自己在家喝了点洋酒，那种不需要在酒局上端着、随时盘算着如何从对方身上获取利益的感觉，实在太好了。</p><p>我家离陆家嘴很远，看不到闪着光的陆家嘴“三大件”，我人生的涨跌也不再和陆家嘴相关。</p><p><img src=\"https://img.huxiucdn.com/article/content/202203/24/183230293704.jpg?imageView2/2/w/1000/format/jpg/interlace/1/q/85\"/></p><p>其实，无论韭菜们这一次亏掉了多少，对于闪着光的陆家嘴来说，一切照常运行。</p><p>不怕打脸的陆家嘴人只需要等待下一次上涨，就能顺势起飞。不会再有投资者记得过去的伤痛，还是会源源不断地往里送钱。</p><p><strong>在陆家嘴，人是可以自己给自己画饼的。韭菜根本不需要种，自己就会长大。</strong></p><p><span label=\"备注\">本文来自微信公众号：</span><span>三联生活实验室（ID：LIFELAB2020）</span><span>，作者：林林，编辑：阿联</span></p></body></html>","source":"highlight_huxiu","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>一周亏完一年的工资，我还在帮人理财</title>\n<style 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margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n一周亏完一年的工资，我还在帮人理财\n</h2>\n\n<h4 class=\"meta\">\n\n\n2022-03-24 20:11 北京时间&nbsp;&nbsp;&nbsp;<a href=https://www.huxiu.com/article/514628.html><strong>虎嗅</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>本文来自微信公众号：三联生活实验室（ID：LIFELAB2020），作者：林林，编辑：阿联，头图来自：视觉中国作为一个90后理财经理，林林的工作，就是帮人赚钱。在上海陆家嘴，比起爱情神话，她看了更多财富神话。基金经理一发话，基民有钱就往里投。在陆家嘴走一走，感觉每个人都身家过亿。但是现在，股灾来了，疫情也来了。过去林林在酒桌上听有钱人谈笑风生；现在只能坐在家里，一天接几十个电话，安抚亏了大钱的客户...</p>\n\n<a href=\"https://www.huxiu.com/article/514628.html\">Web Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://img.huxiucdn.com/article/cover/202203/24/190056166257.jpg?imageView2/1/w/720/h/405/|imageMogr2/strip/interlace/1/quality/85/format/jpg","relate_stocks":{"BK1589":"北水核心资产","BK1521":"挪威政府全球养老基金持仓","BK4077":"互动媒体与服务","BK1586":"云计算","BK1095":"互动媒体与服务","TCEHY":"腾讯控股ADR","BK1517":"云办公","00700":"腾讯控股","BK1531":"手游股","BK1608":"元宇宙概念","BK1502":"双十一","BK1516":"腾讯概念","BK1526":"科网股","BK1591":"就地过年概念"},"source_url":"https://www.huxiu.com/article/514628.html","is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2221754550","content_text":"本文来自微信公众号：三联生活实验室（ID：LIFELAB2020），作者：林林，编辑：阿联，头图来自：视觉中国作为一个90后理财经理，林林的工作，就是帮人赚钱。在上海陆家嘴，比起爱情神话，她看了更多财富神话。基金经理一发话，基民有钱就往里投。在陆家嘴走一走，感觉每个人都身家过亿。但是现在，股灾来了，疫情也来了。过去林林在酒桌上听有钱人谈笑风生；现在只能坐在家里，一天接几十个电话，安抚亏了大钱的客户爸爸。没有人再敢理财了，她也没了收入，陆家嘴造富神话也没人再提。做金融才2年，这是她赶上的第2次股灾了。“有时候我都怀疑，我是不是命里克钱，还偏偏要做帮别人赚钱的工作。”这里是林林眼中，股灾前后的陆家嘴。01 买基金的钱，不如拿去买包上一次股灾是2020年春节后的“千股跌停”，如果说上一次股灾是“突然”，这一次股灾就是“绝望”。从开年就跌，人们在对股市的怀疑中，一点点跌到绝望的谷底。我研究生毕业后就在陆家嘴的一家证券公司工作，主要就是解决各种客户“钱生钱”的理财需求。90后是陆家嘴的新生代力量，不少人从2019年开始炒股，每年都要被收割一回，属于跑步进场被反复收割的“韭0后”。“亏到上天台”我也算是见怪不怪了，《大时代》开头天台那一幕，连续几天被改成当天的日期。我一个朋友和我说，他把几个炒股的app一起卸载了，“每天不跌的时间比我的睡眠时间都短。一睁眼开始亏钱，闭眼的时候还在亏钱。”中概股几天里跌掉过去几年的涨幅，互联网大厂人先绷不住了。我一个朋友在快手，入职时没拿到期权。以前是气不过，现在是窃喜，因为拿期权的人亏到相当于去年白干。听说有的大厂天台都封闭了，怕有人冲动跳楼。万幸的是，因为从业限制，我不能炒股。以前是眼看客户赚钱，现在是旁观客户亏钱。不幸的是，我还能买基金。短短一周，已经亏完了我一年的基本工资。关键是我真的没有瞎投资，我买的基金都是做过研究的，不仅我自己敢买，还敢推荐客户一起买——结果还不如抓阄在基金市场里买一把子亏得少。在我这买了基金的客户，有身价上亿的公司老板，3天就能亏掉一套上海的房子。从来不关心账户的老板娘，也要追着我问为啥亏钱。她们后悔这些钱买了基金，而没有买铂金包、莫桑比克精品红宝石，和哥伦比亚精品祖母绿。也有刚攒下一点点积蓄的学生党，1000块的本金是他们投资基金的入场券，亏掉的200块是他们交的学费，还剩下800块他们会在每天问我一遍“要不要拿出来”，最终在还剩600的时候选择割肉离场，认为金融市场就是诈骗。亏钱让人急于想知道一个答案。大跌的时候，平时只用微信联络的客户，开始疯狂给我打电话了。一方面可能打字的功夫又要亏好多钱，另一方面要确定我还联系得上，怕我跑路。我没有休息时间，手机就是定时炸弹，开个会的功夫我能收到客户的50多个未接来电。我妈都没这么找过我。我把手机铃声音量调到最大，毕恭毕敬地对待每一个陌生号码的来电。我怕漏接一个客户的电话，没有做好安抚，就把我投诉了。我不能再因为投诉被扣工资了，要不更没钱补仓了。02 比看上去精致更可怕的，是看上去专业巨亏之下，没人能说出来为什么、怎么办。陆家嘴最不缺金融专业人士，股市上涨的时候，在陆家嘴吃个东北水饺，都能听到邻桌讲自己为什么能赚钱。但现在，这些人好像都一起哑了。业界交流只会说说段子，外加比惨。在陆家嘴，比起被打脸，承认自己根本看不懂这个市场，才是丢人的事情。刚来到陆家嘴的时候，我每天都在惊叹中度过，这里钱太多了，能人太多了，每个和你交谈的人都好像掌握了财富密码。甚至你不能说自己不懂。一次饭局上，一位知名股评人让我讲讲对于当时行情的观点。我说我不太能看得懂，也怕说出来不专业，他直接就半开玩笑地说：“你连这个都不会讲，那你老板还给你发工资啊？”逐渐地，我发现看两句网上的观点，再用自己的话转述出来，别人就会觉得你是有自己态度的。习得多次，我竟然也可以对国际局势、宏观形势、产业发展甚至某公司八卦侃侃而谈了。有个段子是这么说的：一个开公司的老板问一个做金融的：“你对股市怎么看？”做金融的从宏观政策，讲到行业发展，再讲到上市公司选择。老板听完之后笑了：“你们这些人虽然穷，但是懂的是真xx多啊！”去年的基金市场是很疯狂的，原来只要能让人赚钱，基金经理也当“网红”：后援会有名字，微博有超话，还有粉丝给你打call。比起明星饭圈，对基金经理的“打投”，那更是真金白银。只要你相信这个基金经理，他管理30亿的产品，追随者就可以丢300亿进去。虽然我不算是基金“饭圈女孩”，但我看数据、读研报、看访谈，甚至当面跟基金经理交流过。我也真的相信，跟着他们能赚到钱。现在股灾来了，我挨客户骂的时候也在反思，究竟是我太不专业了，还是他们都看上去太专业了？赚钱效应让基金经理拥有明星般的光环，明星般的收入，甚至明星般的待遇。他们拍视频，上直播，就差有属于自己的综艺节目了。基金最赚钱的时候，每家基金公司都有自己专门的直播间，候场室里还有化妆师给做造型。我见过一个基金经理上直播最多带了3个助理，开播前要先和助理沟通，现场全部到位才能把基金经理请出来。回想起来，网红基金经理让大家能赚到钱，大概率因为当时市场本来就好，谁买谁都赚；而现在，股灾来了，再高明的投资方法都不好使。我原本以为，我这个理财经理，其实就是个销售，处在陆家嘴的最底层；股灾一来，潮水退去，我才发现：也别谁看不起谁了，大家都是销售。去年夏天，一个当时风头正劲的网红基金经理，给我看他的基金讨论区。投资者像“饭圈女孩”一样蹲守在讨论区发布观点、表达爱意、誓死相随。但他当时只有一个想法：能不能用这些“爱”，让公司多给点年终奖？03 陆家嘴金融女，不能看起来没钱在陆家嘴，你全身上下如果看上去不超过5万，是一单也卖不出去的。男的是皮带，女的是包，要是一眼看不出来牌子，那别人就觉得你大概是个实习生。而实际上，绝大部分刚工作的陆家嘴金融人，拿着8000月薪，住着20公里外的合租房。极限情况下，我一个月生活费只花1000块。上海白领每天不喝睡不着的咖啡我是没有的，有时候甚至午饭都不吃，省下的钱我全部用来投资基金。我把钱交给了那些我认真选择过的基金经理，结果还是套在里面。以前是不吃午饭为了投资，现在是因为投资吃不起午饭。我还是相信“只要不卖，迟早有一天会涨回来。”但我现在必须从里面抽钱出来消费——为了让自己“看起来体面”。陆家嘴确实多得是真有钱人，但你无法分辨真假，唯一能确定的就是自己真的很穷。在小红书搜索“陆家嘴 穿搭”夏天你可以只背一个奢侈品包包装点门面，但冬天是最让人感到焦虑的季节：满陆家嘴都是羊毛大衣的水波纹、Logo印花的围巾，和加拿大鹅的羽绒服。没人规定商务拜访不能穿波司登，但同行无时无刻的精英感，让人卷在其中，无法自拔。曾经一位身价上亿的客户姐姐在关系变熟后提醒我：“你还是得买个像点样子的包包，你背的包一看就是没赚到钱，谁敢信你能让人赚钱？”我先是买了经典款的老花包包，然后大出血给自己买了件MaxMara的大衣，买完连优衣库的内搭都买不起了，直接跳崖降级到拼多多。后来我有一个新同事入职，她来面试的时候，全身上下连皮带都是LV的。变熟之后她教我买A货，非常自然：“出去拜访客户没点气势也不行的啊。”那之后，我也没那么容易被同行一身奢侈品唬住了。陆家嘴女孩，看起来不寒酸只是底线，最好还得好看得明显。去年冬天参加一场基金经理圆桌讨论，主办方老总是一位标准优雅金融女性。她和我交流的时候说：“做金融的女孩子要看起来永远让人感到21℃的如沐春风。现在不是有‘光腿神器’吗？冬天也要把裙子穿起来的呀。”陆家嘴的女孩如果好看，就永远不缺饭局。在陆家嘴某个露台吃人均2000+日料的时候，我也觉得自己认识很多大佬，能盘活他们的资源。等喝多了，自己打车回到出租屋，还要保持安静不要吵到室友，就会一秒回到现实。和股灾前后脚到来的，是疫情在上海蔓延，我们开始居家办公。在平时，不用通勤、没有应酬，我肯定会特别开心。但现在股灾来临，客户不敢投资，我也就没有业绩，没有钱。前几天我自己在家喝了点洋酒，那种不需要在酒局上端着、随时盘算着如何从对方身上获取利益的感觉，实在太好了。我家离陆家嘴很远，看不到闪着光的陆家嘴“三大件”，我人生的涨跌也不再和陆家嘴相关。其实，无论韭菜们这一次亏掉了多少，对于闪着光的陆家嘴来说，一切照常运行。不怕打脸的陆家嘴人只需要等待下一次上涨，就能顺势起飞。不会再有投资者记得过去的伤痛，还是会源源不断地往里送钱。在陆家嘴，人是可以自己给自己画饼的。韭菜根本不需要种，自己就会长大。本文来自微信公众号：三联生活实验室（ID：LIFELAB2020），作者：林林，编辑：阿联","news_type":1},"isVote":1,"tweetType":1,"viewCount":2076,"authorTweetTopStatus":1,"verified":2,"comments":[],"imageCount":0,"langContent":"CN","totalScore":0},{"id":639809288,"gmtCreate":1643231332876,"gmtModify":1643231332876,"author":{"id":"3552081912695528","authorId":"3552081912695528","name":"天秤座画家","avatar":"https://static.tigerbbs.com/4c11015162772e8687929092af7a0e42","crmLevel":5,"crmLevelSwitch":1,"followedFlag":false,"idStr":"3552081912695528","authorIdStr":"3552081912695528"},"themes":[],"htmlText":"<a 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