With the gradual implementation of a series of national financial policies, it has opened up a broader development space for the investment and wealth management market. Personal investment and financial management next year can be described as many hot spots, which can be summarized into eight aspects:
● Gold speculation: entering the golden age.
Since the Bank of China launched the "Huang Jinbao" business for individual investors in Shanghai, gold speculation has been a hot spot in the personal financial market, attracting investors' attention and favor. Especially in the past two years, China
International gold prices continue to rise. It can be predicted that with the gradual opening of the domestic gold investment field, the future gold demand growth potential is huge. Especially after 2004, the pricing method of domestic gold jewelry will gradually change from the integration of price and fee to the separation of price and fee, and the 5% consumption tax on gold jewelry is expected to be abolished, which will greatly promote the increase of gold investment, and the gold speculation business will surely become a bright spot in the field of personal financial management and truly enter the golden age of investment and financial management.
● Fund: Infinite scenery still stands out.
Since the successful issuance of the first batch of closed-end funds in 1997, the funds have been highly praised by domestic individual investors. Last year, funds have obviously exceeded deposits and become the top priority in many aspects of investment and financial management. According to relevant data, the net value of domestic funds has reached nearly 200 billion yuan this year, accounting for more than 10% of the circulating level of A shares. According to the survey, many investors are still very optimistic about the advantages and characteristics of the fund, such as stable income and less risk, and hope to obtain ideal income through the investment of the fund.
● Stock trading: Opportunities and risks coexist.
According to experts' analysis, in 2005, the domestic stock market capital supply may reach more than 6543.8+050 billion yuan, and the situation of capital supply and demand is relatively optimistic, which is undoubtedly a shot in the arm for the capital-driven China stock market. In addition, China Securities Regulatory Commission has put forward stricter requirements on the performance calculation and financing amount of listed companies, and strengthened the supervision of the stock market, which will bring profit opportunities to investors. But in any case, the biggest feature of the stock market is uncertainty, opportunities and risks coexist. Therefore, investors should continue to be cautious and seize opportunities before investing.
● National debt: the investment choice space is getting bigger and bigger.
Experts predict that 2005 will be a year of innovation in the national debt market, which will not only increase the variety of national debt, but also give investors more choices. New attempts and reforms have also been made in the way of issuing treasury bonds, which has further improved the marketization level of issuing treasury bonds and minimized the interference of non-marketization factors. In addition, the secondary market of national debt will also become the focus of development next year. It can be seen that this series of innovative actions of national debt will certainly bring more investment choices and greater profit space for investors.
● Save: Can old songs sing new songs?
Over the years, savings, as a traditional financial management method, has long been deeply rooted in people's hearts. According to a survey, most residents still regard saving as the first choice for financial management. Some experts have analyzed that this year, on the one hand, the momentum of foreign capital flowing into China is still relatively strong, and the base money supply in China has increased; On the other hand, in order to moderately control the rise of price index and inflation rate, the government adopted the means of raising interest rates, and the floating range of interest rates was further expanded. The rise of interest rate will certainly stimulate the increase of savings, which is a traditional financial management method and is expected to become a new financial management hotspot next year.
● Bonds: It is a foregone conclusion that they will be hot again.
In recent years, the bond market is unexpectedly hot. There are indications that the issuance of corporate bonds may still accelerate in 2005, such as convertible bonds, subordinated bonds of floating rate notes and banks. Will become a good investment variety. In addition, the China Banking Regulatory Commission will include subordinated term debt in tier 2 capital to supplement the capital structure of commercial banks, which will make banks ready to issue bonds, which will once again add fuel to the fire in the bond market.
● Foreign exchange: The opportunities for profit from investment are greatly increased.
In recent years, the continuous decline in the exchange rate of the US dollar has made more and more people gain a lot of money through personal foreign exchange transactions, which also made the foreign exchange market extremely hot. Various foreign exchange wealth management products have also been launched one after another, such as the foreign exchange of commercial banks, the foreign exchange treasure of China Bank and Agricultural Bank, and the American Express Huitong of China Construction Bank for investors to choose from. Next year, the Chinese government will continue to adhere to the principle of RMB stability, and take measures such as linking RMB to foreign exchange and increasing the autonomy of enterprises in foreign exchange to promote the healthy development of the foreign exchange market. Therefore, according to experts' analysis, there will be more room and opportunities for making profits by investing in the foreign exchange market next year.
● Insurance: Income insurance will become a hot investment spot.
Compared with the tepid insurance market for many years, income insurance has been sought after by people as soon as it is launched. Generally, there are many types of income insurance, which not only has the most basic protection function of insurance, but also can bring investors a lot of income, which can be described as a win-win situation for protection and investment. Therefore, buying income insurance is expected to become a new personal investment and financial management hotspot next year.
Ten suggestions on personal finance:
① In the stage of establishing personal assets, we should choose a simple risk-free investment institution, preferably in the form of savings.
Buying a house is an action to build a lifelong asset, so it should be carefully considered. Before taking any action to buy real estate, you should consider your own ability to pay funds and payment methods.
Establishing a list of family assets similar to the physical health statement can let you know the changes of family situation and related laws and regulations in time.
(4) Disperse personal assets. In the process of forming your personal assets, you should keep the fixed assets, monetary assets and financial assets in a roughly balanced state.
⑤ Increase the value of your assets. Assets should increase in value according to their defined purposes. The wrong investment period will bring economic losses. For example, it is definitely a loss to take out the funds in advance before the investment or deposit expires.
⑥ Activate your assets. It's hard to consider this if you choose to invest in your assets in the medium and long term. Only short-term investment can achieve this goal.
Generally speaking, you should pay attention to the implementation of the tax system and its changes, which is one aspect of managing your assets well.
If it is necessary to change your savings policy, please do not hesitate. Changing the investment direction and paying attention to investment safety can make you better cope with all kinds of situations.
Don't forget to prepare for your retirement. With the extension of people's life span and the emergence of employment crisis, you'd better use other investment methods to make up for the lack of social security measures before retirement.
Last but not least, protect your family. We should consider death insurance, life insurance, husband and wife financial management system and so on. For children or other heirs, we should consider the distribution and transfer of inheritance. Handling this problem well will help maintain family harmony and enjoy many tax conveniences.
Several aspects of personal finance success;
1, increase income;
2. Reduce expenses;
3. Strengthen our ability to improve our living standards in the future;
4. Prepare for retirement pension.