低认知群体穷的原因：情绪大于利益

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最近我发现一个很有意思的现象

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我的见证视频流量远远高于投资视频

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这是否意味着B站观众不想发财

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当然不是

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更可能的解释是对许多人来说

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情绪需求排在利益需求之前

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高认知者面对信息

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首先判断这条信息是否正确

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对我是否有利

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第一任职者首先感受这个人是什么态度

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他是不是在冒犯我

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这两种信息处理方式

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决定了完全不同的观看选择

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见证内容最大的流量优势是

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观众几乎不需要承担行动成本

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看到国际事件

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公共政策或社会现象

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只需要选择支持

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反对

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愤怒或者嘲讽就能立即获得参与感

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归属感和道德满足

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投资内容却会迫使观众面对一连串现实问题

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我要不要配置股票

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能承受多大波动

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是不是缺少必要知识

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如果这个观点正确

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我是否应该拿真钱行动

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见证视频让人评价别人

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投资视频却让人审视自己

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评价别人很轻松

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改变自己很痛苦

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前者主要需要情绪

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后者需要知识

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判断纪律以及承担后果的能力

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投资利益虽然更直接

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却不一定更容易产生流量

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lee只有在观众学习并行动以后才能兑现

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情绪奖励

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却能在点击后的几秒钟内获得即时奖励

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天然战胜延迟

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满足投资内容还有一个天然劣势

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理解门槛高

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分析一家公司可能涉及商业模式

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竞争格局

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现金流估值和风险分析

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美股还涉及制度

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汇率

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税务

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交易渠道和资产配置

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见证内容则允许一个人在没有充分理解以前

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先产生强烈态度

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事实需要积累情绪

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只需要触发见证

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判断错了

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最多在评论区被反驳

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投资判断错了

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亏掉的是真金白银

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所以见证允许观众先参与后理解

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投资却会惩罚没有充分理解的人

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争议内容又更容易制造点击停留与评论

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进一步形成算法推荐的正反馈

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再看粉笔CEO劝人投资美股这件事

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这里先不讨论他的具体表达是否足够严谨

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也不能把投资美股理解成稳赚不赔

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任何市场都有风险

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美股会暴跌

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个股也可能造成永久亏损

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真正值得观察的是

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不同认知方式的人

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面对这类建议时会提出什么问题

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一个以前没有接触投资

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但认知水平较高的人

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不会先忙着喜欢或者讨厌说话的人

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而会先拆解观点

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他会问每股长期回报来自什么

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适不适合我的收入

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资金期限和风险承受能力

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应该买个股还是指数基金

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海外投资有哪些汇率

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税务与合规问题

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即使方向正确

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现在的价格是否合理

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分析以后

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他可能接受

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也可能拒绝

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如果这条建议打开了新的信息渠道

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他可以感谢对方

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如果不适合自己

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也可以平静放弃

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他感谢的不是对方态度好

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而是对方提供了一个可能有价值的信息入口

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高认知者不要求别人替自己赚钱

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只要求信息值得分析

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高认知的核心不是盲目相信美股

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而是有能力验证观点

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衡量风险

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并为自己的选择负责

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另一部分人关注的却可能是

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他凭什么用这种口气

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是不是看不起普通人

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他那么有钱

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当然承受得起亏损

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为什么不直接告诉我买哪只股票

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如果买了亏钱

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他负不负责

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这些问题不一定全部无理

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公众人物的表达可以被批评

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投资建议也必须强调风险

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但如果注意力全部集中于语气

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身份与态度

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却不研究建议是否正确

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是否对自己有利

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情绪就取代了利益判断

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他们仿佛要求信息提供者不仅指出机会

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还要负责哄着自己理解

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哄着自己行动

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最好再承担全部风险

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说得直接一点

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恨不得别人哄着他们赚钱

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建议说的温和

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他们认为你真诚

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建议说的尖锐

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他们认为你傲慢

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至于建议究竟有没有价值

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反而成了次要问题

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这就是情绪需求大于利益需求

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高认知者会把问题拆成两层

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第一这个观点是否正确

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第二即使正确

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对我是否有利

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一个人态度很差

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他说的事实仍可能正确

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一个人态度友善

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他的建议也可能完全错误

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成熟投资者

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不会因为喜欢一个人就买入他推荐的资产

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也不会因为讨厌一个人就拒绝

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所有可能有价值的信息

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他可以反感表达方式

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同时验证论据也可以感谢思路

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同时拒绝执行

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态度决定你是否喜欢一个人

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事实决定你是否相信一个观点

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利益决定你是否采取行动混淆这三者

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许多争论就会失去意义

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投资决策也会被情绪绑架

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这也解释了我的频道现象

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见证内容提供明确的情绪对象

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支持一方反对

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一方证明自己看穿真相

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在评论区寻找同类

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再通过批评别人获得认知优越

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感谢投资内容

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却不能保证看完马上赚钱

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他反复提醒你

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没有稳赚不赔的机会

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你需要延迟满足

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接受不确定性

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并承认自己的知识边界

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见证长让观众觉得我懂了

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投资

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却让观众发现原来我不懂

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不过低认知群体不是固定的身份标签

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更不等于学历低

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收入低或者智商低

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认知是分领域的

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专业上极其理性的人

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谈到投资可能依赖情绪

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优秀投资者谈到政治

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也可能只听让自己舒服的信息

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真正的分界线是当一条信息让你不舒服时

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你还能不能暂时放下情绪

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判断它是否真实

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是否有用

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能够做到这一点

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就是在提升认知

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投资最残酷的地方是市场不在乎你的感受

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市场不会因为你收入不高

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就给你更低的价格

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不会因为推荐者态度傲慢就让正确逻辑失效

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也不会因为博主真诚就保证股票上涨嗯

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你可以要求别人尊重你

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但不能要求市场照顾你

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面对任何投资观点更有效的反应

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不是立刻感恩

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也不是立刻愤怒

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而是把事实立场

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风险适用对象和个人利益逐一拆开

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问自己

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哪些是可以验证的事实

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哪些只是个人立场

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哪些风险被忽略

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建议适合什么人

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对我的实际决策有什么价值

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正确且适合就吸收错误或不适合就放弃

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别因为一个人的态度错过对自己有利的信息

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也别因为一个人的态度很好

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就把自己的钱交给他

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低认知者需要别人提供舒服的情绪

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高认知者利用别人提供有效的信息

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我的投资视频流量可能长期低于见证视频

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因为愿意消费情绪的人

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通常多于愿意承担决策责任的人

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但愿意研究不舒服的观点

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区分事实态度与利益

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最终可能获得改变现实处境的能力

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