2005 people invest in financial management "seven weapons"
The seven weapons under the Gu Long heroes were once in the rivers and lakes. Nowadays, in 2005, in 2005, we must master the following "seven weapons" in our financial market, we must master the following "seven weapons":
1, "Changsheng Jian" - Savings
Savings are the most trusted financial management methods of the people to obtain interest as returns, the risk is the lowest, and it is considered to have only earn the most robust investment. And the biggest weakness is that the benefits are low, especially after the interest rate hike, more people mainly put the money in the bank, so the commercial banks also noticed this kind of investment demand for investors, personal financial management Fight for the smoke of smoke: RMB financial management, foreign exchange financial management, varieties continue to make new, form is also innovation, but the change is not in this, everyone is in the bank's reputation, the product itself, the value value of the product itself, and the characteristics of stable benefits. Therefore, savings are still the foundation of the people's financial management.
2, "Peacock" - Insurance
Purchase insurance is first considering a risk transfer, and the transfer risk is a very important tool for family finance. Insurance Finance is reflected in the circumstances of family finance risk. When purchasing an insurance product is matched, we should first consider accident insurance. Then, for lifetime insurance or regular life insurance, mainly considering the needs of family revenue and home security, then consider purchasing a relatively suitable life insurance product within the range allowed. As for pension, considering personal pension issues after entering middle age. Investment insurance unique investment and dividends are only included, and the income and risk of investment need insurance companies and insured people. Industry insiders said that the main functions of insurance products are the insurance protection, through insurance management, mainly for family funds to conduct reasonable arrangements and planning, avoiding risks in happening, that is, disease or accident, there is also financial difficulties, then At the same time, you can get your home property to get the value and value added. As a wealth management tool, insurance also has loan function, using the borrowing function of the policy, can get a guarantee loan.
3, "Jade knife" - Trepancy
Treasury Bonds refer to the Ministry of Finance to represent the national public debt issued by the central government. It is guaranteed by the national fiscal reputation. The credibility is very high. It has always been known as "Phnom Benbonds", and steady investors like to invest in government bonds. The interest rate of government bonds is higher than the deposit rate of the same period, and the interest rates can be transferred from 20% interest tax. Tree bonds are divided into voucher national debt and accounting national debt. So, which is more suitable for investment? If the investor purchases the national debt is to hold to the expiration date, it is more ideal for booking national bonds that may be more ideal. If it is difficult to hold to the expiration date, then due to the evacuation of the risks due to the evacuation of the voucher national debt. Advantages, while the record-based national debt is good in income compensation. Which variety selected depends on the preference of the investor's personal preferences, the plan hold period and the expectation of the future interest rate trend can not be generalized. However, even if it is not possible to hold a national debt to the time of the day, the longer the plan hold period, the more you should consider the choice of bookmaking national debt.
4, "Multi-Love Ring" - Gold
At present, international gold prices are in the rise. It is the least risk of deposits, the most secure financial management method, so gold investment can become a product of the people's portfolio and the deposit. However, compared with deposits, its income has some uncertain factors, and investors can determine the proportion of gold investment according to their extent to their risk preferences.
In 2004, gold was a hot topic in a personal investment market. The gold bars of the Year of the Year increased from the beginning, such as unbounded, it is difficult to buy; Bank of China's "paper gold" transaction and ICBC newly pilotted personal gold buyers Available in investors. The firm also cooperated with Gaosher Jinyin Co., Ltd. Will launch the first golden electronic trading system in the Spring Festival. Personal only need to pay 10% of margin 24 hours, and the remaining funds lend to China Bank. Investors can delay the delivery in indefinitely, but pay interest to China Bank. China Merder does not charge investors any handling fee. It can be seen that gold will undoubtedly become a popular investment variety in 2005. 5, "Partial Hook" - stock
Stock is typical venture capital. Its most important feature is high-risk high income. In the long run, history has proven that stocks are one of the most valuable investment tools in a relatively long time. However, the unpredictability of the stock market risk is existing. Investment stocks should be in line with the actual situation, using scientific logic thinking to determine the ability to invest, can't be blind, can not follow the style, otherwise it is easy to hurt. ...
6, "Hegemony" - Fund
The deposit rate is too low, the stock risk is too large, but all kinds of funds between them are worthy of investors. However, due to the different characteristics of all kinds of funds, in the case of inflation or rate of interest, the investor is placed in bank savings deposits in the bank. The performance of monetary market funds in this environment is usually better than bonds, stocks and funds in these long-term assets, but also superior to traditional financial instruments such as fixed interest rates. The monetary market fund is fully investive in a short period of high quality bonds or short-term bills, and through continuous investment, the income of the monetary market fund will quickly keep up with the latest changes in the actual interest rate. Since the fluidity and safety of the fund are higher, it can be compared with the living savings, with a function similar to "savings alternative".
7, "Fist" - Forex
In the case of the current US dollar interest rate, the exchange rate change is unpredictable, foreign exchange investors are most concerned about which channel investment foreign exchange in 2005 can realize the value and value of the foreign exchange. Experts suggest that based on the relative principle of risk and revenue, in order to reduce the corresponding risks, foreign exchange assets should be divided into investment.
At present, domestic foreign exchange investment channels mainly have personal foreign exchange trading, personal foreign exchange structural deposits, personal foreign exchange options and other products. Among them, the amount of transactions is: personal foreign exchange trading and personal foreign exchange structural deposits. Investors can consider doing real trading in China, while adopting margin or optional transactions outside the country, and take partial redemption, effectively controlling risks.
(This article is exclusive to Sohu Wealth Management Channel)
