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天秤座画家
一个赌徒~
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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
2021-03-17
$苹果(AAPL)$
有还没睡的在看盘的嘛。大家聊聊对未来走势的看法吧。持仓了很久,见证了从财报后跌到现在~原来很坚定,但现在好迷茫。。。。。。
天秤座画家
2021-04-09
$苹果(AAPL)$
涨回四万刀,还亏损四万刀~路漫漫~已经连涨一周了,有些担心今晚
天秤座画家
2021-04-01
$苹果(AAPL 20220121 150.0 CALL)$
加上现在持仓的,五万多刀亏损~
天秤座画家
2021-04-14
$苹果(AAPL)$
舒服了,睡了
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
2021-05-06
$苹果(AAPL)$
我哪一个电子设备不是苹果的,苹果我欠你的?🤬
天秤座画家
2021-04-05
$嘉年华邮轮(CCL)$
重新开始建仓 PS: APPL快点好起来吧~
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
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
2021-04-29
$苹果(AAPL)$
垃圾玩意!呸!!!
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
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
2021-05-28
$苹果(AAPL)$
我是做了什么孽
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
2021-04-01
$苹果(AAPL)$
除了等待也没什么更好的办法
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
2021-04-17
$苹果(AAPL)$
还没怎么涨又要开始跌了么?可愁[捂脸] [流泪] [生气]
天秤座画家
2021-06-26
$维珍银河(SPCE)$
耐心等~
去老虎APP查看更多动态
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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":1779,"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\">$特斯拉(TSLA)$ </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 href=\"https://laohu8.com/S/TSLA\">$特斯拉(TSLA)$ 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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\">$腾讯控股(00700)$ </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\">$腾讯控股(00700)$ </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":1737,"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\">$特斯拉(TSLA)$ </a>怎么回事,突然涨这么凶,CPI发了?","listText":"<a href=\"https://laohu8.com/S/TSLA\">$特斯拉(TSLA)$ </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":12082,"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":"us","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 <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":{"BK1516":"腾讯概念","BK1591":"就地过年概念","BK1526":"科网股","BK1608":"元宇宙概念","BK1589":"北水核心资产","BK1531":"手游股","BK1521":"挪威政府全球养老基金持仓","00700":"腾讯控股","BK4077":"互动媒体与服务","BK1502":"双十一","BK1517":"云办公","TCEHY":"腾讯控股ADR","BK1586":"云计算","BK1095":"互动媒体与服务"},"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":1984,"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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