要不要带亲戚投资？

Core Insights - The article discusses the challenges and complexities of helping friends and relatives invest, highlighting the emotional and financial risks involved [1][5][12]. Investment Methods - Account Buyout System: The author previously used a method where friends' accounts were used to buy stocks, with profits shared. However, returns have diminished in recent years due to lower new stock profits [2]. - Proportional Sharing System: A model where the author invests 300,000 while the counterpart invests 100,000, sharing profits and losses. This method has yielded an annualized return of about 20% over the years [3]. - Short-term Borrowing: The author borrows money from trusted friends to invest in new stocks, repaying quickly, which has proven beneficial for both parties involved [4]. Emotional and Relational Dynamics - The author emphasizes the emotional toll of investing with close relatives, noting that expectations can lead to significant strain in relationships, especially during losses [6][11]. - There is a strong sentiment that helping others invest can lead to misunderstandings and conflicts, particularly when financial outcomes do not meet expectations [7][10]. Personal Experiences - The author shares past experiences of helping relatives invest, which often resulted in mixed outcomes, reinforcing the idea that different individuals have varying risk tolerances and investment knowledge [12][13]. - The article concludes that while it may seem beneficial to assist others in investing, the potential for relationship damage and emotional distress often outweighs the financial benefits [8][9].