所谓理财，把资金交给别人打理，最终的归宿大都是爆雷。

最近听到一个节目，讲的是一个财经专家。说的话还算是比较靠谱。在现在不能唱空经济的大环境下，还能说出这样的话。还是难能可贵的。他也就是提醒大家。明年可能是很多非银行金融机构爆雷的年份。所谓非银行的金融机构就是。字面上的意思除了银行以外，但是有从事。金融业务的机构。所谓金融业务，就是以便吸纳存款一边放贷或者投资。比较正规的，就是各类的信托财富管理公司，还有保险公司。前两种一般都是针对高净值客户的。普通老百姓也没有多大关系。普通百姓这种细韭菜根本就。不是人家的目标。如果不是在财经新闻上听到，你根本就不知道还有这样的公司存在，比如前不久因为投资了恒大的。中植集团下属的财富公司就爆雷了。而受害者损失动辄都是上千万的。不过听一个熟悉金融业的博主介绍。这个圈子里最大的。行业老大叫诺亚财富。还讲了一则。它的趋势非常有意思，就是。诺亚诉京东的案件。就是诺亚将，他从客户那里募集到的资金。投资。给一个自称。是京东供货商的。商人。其实。之所以会投资给他，是因为这个公司的老板和诺亚财富的高管同属一个商业女强人的。协会在上面认识的大概叫什么木兰会。而这位老板之所以看重，请求诺亚财富投资就是因为看中了诺亚财富远比银行和银行相比。堪称路边摊水平的封控。既然做项目自然还是要调查的，为了核实这位老板所说的情况，诺亚财富也派出了封控人员去调查。结果派去调查的人员，被这个老板安排手下，戴着假冒的。京东的工牌在京东公司的走廊上给拦截了。然后就在走廊上三言两语，把风控人员给对付回去了。然后还把自己的一个账户伪造成京东的账户，自己给自己打钱，假装收到了。京东的货款。然后把流水交给诺亚财富。就这样轻而易举的骗到了。诺亚财富的投资。结果自然是毫无悬念的爆雷了。把这个采访搞不清楚。直到东窗事发都还没搞清楚怎么回事，还要把官司打到了京东头上。那保险公司就更坑了。中国最大的人寿保险发行的分红险有100多种。结果实际上。超过分红超过估算标准的只有一种，其他的全部都不达标。而且购买保险一般都是靠忽悠。因为保险都是长期的，进去了很难出来，如果每年交的话也要交，很长年限中途退保的话就会有很大的损失，很大的沉没成本。但是百姓的投资渠道。不多，实在也没有办法。

总之经过这么些年来的社会毒打。在我看来，不管是什么理财，保险基金也不管是在法币领域还是在币圈。把钱或者币交给别人打理。指望这样可以。躺赚，实现财富自由的。指望那些所谓的专业人士能够更好的帮你管理资金，最后的结果都是要吃大亏的。

Recently, I heard a program about a financial expert. What he said is quite reliable. In the current environment where you can't talk about the economy, you can still say such things. It's still commendable. He's just reminding everyone. Next year could be the year for many non-bank financial institutions to blow up. The so-called non-bank financial institutions are. Literally, other than a bank, there is an engagement. Institutions of financial business. The so-called financial business is to lend or invest in order to absorb deposits. The more formal ones are all kinds of trust and wealth management companies, as well as insurance companies. The first two are generally aimed at high-net-worth clients. Ordinary people don't matter much either. Ordinary people this kind of fine leeks at all. It's not anyone's goal. If you don't hear it on the financial news, you don't know that there are such companies, such as those that invested in Evergrande not long ago. The wealth company under Zhongzhi Group exploded. And the losses of the victims are often in the tens of millions. But listen to a blogger who is familiar with the financial industry. The biggest in this circle. The industry boss is called Noah Fortune. There is also a story. It's a very interesting trend, that is. The case of Noah v. JD.com. It was Noah, the money he raised from his clients. Investment. Give a self-proclaimed. It is a supplier of JD.com. Merchant. In fact. The reason why they invested in him was because the boss of this company and the executives of Noah Fortune belonged to the same strong business woman. The association knows what it is about to call the Mulan Society. And the reason why this boss values and asks Noah Wealth to invest is because he likes Noah's wealth far compared to banks and banks. It can be called the closure and control of roadside stalls. Since the project naturally has to be investigated, in order to verify the situation said by the boss, Noah Fortune also sent closure personnel to investigate. As a result, the personnel sent to investigate were arranged by this boss to wear counterfeit ones. JD.com's badge was intercepted in the corridor of JD.com. Then he said a few words in the corridor and dealt with the risk control personnel. Then he also faked one of his accounts as JD.com's account, sent money to himself, and pretended to receive it. JD.com's payment. Then give the flowing water to Noah's wealth. It's so easy to deceive. Noah's Wealth's investment. The result was naturally a thunderstorm without any suspense. I don't know what this interview is. Until the East Window incident, he hadn't figured out what was going on, and he had to fight the lawsuit on JD.com. Then the insurance company is even more pitiful. China's largest life insurance company has issued more than 100 kinds of participating insurance. It turned out actually. There is only one type that exceeds the estimated standard of dividends, and all the others do not meet the standard. And buying insurance is generally based on foolishness. Because the insurance is long-term, it is difficult to get out, and if you pay it every year, you have to pay it, and if you surrender the insurance in the middle of a long time, there will be a lot of loss and a lot of sunk costs. But the people's investment channel. Not much, and there's really no way.

In short, after so many years of social beatings. In my opinion, no matter what kind of financial management it is, the insurance fund is also in the field of fiat currency or in the currency circle. Give your money or coins to someone else to take care of. Count on this to do. Lie down to earn and achieve financial freedom. Expecting those so-called professionals to help you manage your money better will result in a big loss.