帮主郑重：别被“高收益”带偏！普通人理财，先把收益目标定对了

Core Viewpoint - The article emphasizes that setting realistic investment return goals is crucial for ordinary investors, rather than aiming for excessively high returns based on others' experiences [1][8]. Group 1: Common Misconceptions - Many investors tend to set return goals by "following the crowd," which can lead to unrealistic expectations and poor investment decisions [4]. - A case study of an experienced investor illustrates the dangers of setting high return targets without considering personal circumstances, leading to panic selling during market downturns [4]. Group 2: Factors to Consider in Setting Goals - Risk tolerance should be assessed, as it varies based on the purpose of the funds; for short-term needs, a conservative target of 3% to 5% is advisable, while longer-term investments can aim for 8% to 10% [5][6]. - The duration of fund usage is critical; funds needed in the short term should prioritize capital preservation over high returns, while longer-term investments can afford to take on more risk [6]. Group 3: Market Realities and Adjustments - Investors should set goals based on market realities rather than exceptional cases; the long-term average annual return for stocks is around 8% to 10% [7]. - Return goals should be flexible and adjusted according to market conditions; achieving a target early in a favorable market may allow for a more conservative approach later [7][8].