Fear of principal loss, especially during periods of high market volatility or increased economic uncertainty. Lack of comprehensive understanding of investment risks, leading to fear or misjudgment. Concern about the legitimacy of investment platforms or projects (such as P2P platforms, overseas investment projects).

Returns are lower than expected, especially when compared to other investors. The investment cycle is too long, with funds locked in for an extended period, unable to respond flexibly to other needs. Inflation reduces real returns.

Unclear on how to choose the appropriate investment tools (such as stocks, bonds, funds, real estate, etc.). Lack of understanding of market trends, unable to determine the best time to buy or sell. Investment decisions overly reliant on hearsay or non-professional opinions.

Market changes are too rapid, making it difficult to obtain accurate market information in a timely manner. Unable to distinguish between trustworthy and false investment information. Lack of in-depth analysis of complex financial products (such as options, derivatives, etc.).

Fear of missing out (FOMO), often entering at high points or selling at low points. Anxiety and fear caused by market fluctuations, affecting rational decision-making. Excessive focus on short-term fluctuations, ignoring long-term gains.

No clear investment goals (such as retirement savings, home purchase, etc.). Imbalanced asset allocation, overly concentrated in a single asset class. Insufficient fund usage planning, leading to liquidity issues.

Worry that financial advisors' advice is not objective and is solely for selling products. Dissatisfaction with high investment management fees or hidden charges. Insufficient support from institutions, making it difficult to get timely answers.