Do Our Biases Affect Our Financial Choices?
Investors are routinely warned about allowing their emotions to influence their decisions. 然而, they are not often cautioned about their preconceptions and biases that may color their financial choices.
在事实之间的斗争中 & 偏见，我们的偏见可能会赢. 如果我们承认这种趋势, we may be able to avoid some unexamined choices when it comes to personal finance. It may actually "pay" to recognize blind spots and biases with investing. Here are some common examples of bias creeping into our financial lives.
让情绪支配一切.
How many investment decisions do we make that have a predictable outcome? 几乎没有任何. 回想起来, it is all too easy to prize the gain from a decision over the wisdom of the decision and to, 因此, believe that the findings with the best outcomes were the best decisions (not necessarily true). Put some distance between your impulse to make a change and the action you want to take to help get some perspective on how your emotions affect your investment decisions.1
重视我们“知道”的事实 & “看到”比“抽象”的事实更多.
Information that seems abstract may seem less valid or valuable than information related to personal experience. This is true when we consider different types of investments, 市场状况, 还有经济的健康.1
最看重最新的信息.
The latest news is often more valuable than old news in the investment world. But when the latest news is consistently good (or consistently bad), memories of previous market climate(s) may become too distant. 如果我们不小心, our minds may subconsciously dismiss the eventual emergence of the next market cycle.1
是自信.
The more experienced we are at investing, the more confidence we have about our investment choices. 当市场上涨时, and a clear majority of our investment choices work out well, 这增强了我们的信心, sometimes to a point where we may start to feel we can do little wrong, 多亏了现在的市场状况, 我们的投资智慧, 或两个. 这很危险.2
从众心理.
You know how this goes: if everyone is doing something, they must be doing it for sound and logical reasons. 从众心理 leads some investors to buy high (and sell low). 它还可能引发恐慌性抛售. The advent of social media hasn't helped with this idea. 最重要的是, 它鼓励市场择时, and when investors try to time the market, it can influence their overall performance.2,3
有时, asking ourselves what our certainty is based on and reflecting on ourselves can be helpful and informative. Examining our preconceptions may help us as we invest.
1. Investopedia.2022年7月5日
2. Investopedia.2023年5月2日
3. 中央社报道.com, 2023
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