Before purchasing wealth management products, it is recommended that you read the contract and pay attention to the scope of investment target and risk introduction.
Since 20 12, 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 can be described as many hot spots, which can be summarized into nine aspects:
rescue
Saving or deposit is a popular investment behavior of ordinary families and the most commonly used investment method. Compared with other investment methods, savings has the characteristics of safety and reliability (protected by the Constitution), convenient procedures (savings outlets all over the country), flexible forms and inheritance. Savings is the business that banks mobilize and absorb residents' surplus monetary funds through credit.
After absorbing savings deposits, banks put money into the social production process in various ways to make profits. As a price for using savings funds, banks must pay interest to depositors. Therefore, for depositors, participating in savings not only supports national construction, but also increases or preserves the value of their own monetary funds, which has become a family investment behavior.
Gold speculation
Since 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. Especially in the past two years, the international gold price has continued 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
Since the successful issuance of the first batch of closed-end funds in 1997, the funds have been highly praised by domestic individual investors. By the end of 20 12, funds have obviously surpassed 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 more than 200 billion yuan. According to the survey, in 20 13 years, many investors are still very optimistic about the advantages and characteristics of the fund, such as stable income and low risk, hoping to obtain ideal income through the investment of the fund.
Buying and selling securities and stocks
Some experts have analyzed that the future 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.
Although the scope of interest tax collection also includes the interest of individual stock accounts, the state will continue to implement the policy of temporarily exempting the income from stock transfer. Therefore, levying interest tax is also an effective financial management method.
Put your current deposit into your personal stock account, and you can use the money to subscribe for new shares. If you are lucky, you will win the lottery, and the stock will be profitable after listing. Even if there is no lottery ticket, there is still current interest.
If your financial situation is good and you can take certain risks, you can also buy stocks in the secondary stock market. Gold, real estate and stocks are regarded by economists as the three major investment hotspots in the world today.
As a kind of securities issued by joint-stock companies to raise funds, stock is a kind of equity certificate to prove that investors invest in shares and obtain dividend income. It has entered thousands of households and become an important target for many families to invest.
wealth management products
wealth management products
Stock investment has become a hot topic that people talk about every day. Because of its high return, high risk, transferability and flexible trading, stock has become a powerful force supporting the development of China stock market. The return on stock investment can be reflected by calculating the return on stock investment. Actual rate of return = [annual dividend-annual dividend tax rate]/issue (purchase) price 100%.
national debt
There are many varieties in the national debt market, and investors have many 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 development focus in 20 13 years. 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.
bond
The bond market is unexpectedly hot. There are indications that the issuance of corporate bonds in 20 13 years is likely to accelerate, such as corporate convertible bonds, floating interest rate bonds, bank subordinated debts, etc. 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
With the continuous decline of the exchange rate of the US dollar, more and more people have made a lot of money through personal foreign exchange transactions, and the foreign exchange market was once 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.
20 13 China 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 expert analysis, the investment space and opportunities in the foreign exchange market will be even greater.
insurance
Compared with the tepid insurance market, income insurance has been sought after by people once 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, the purchase of income insurance is expected to become a new hot spot for personal investment and financial management.
Insurance is a financial umbrella, which allows families to hand over risks to insurance companies. Even in case of accidents, families can maintain their basic quality of life. Insurance investment may not be the most important in family investment activities, but it is the most necessary.
The main motives of ordinary people to take out insurance are: to buy a long-term reassurance (to prevent accidents in family life), to be more prepared for the dangers in life (to prevent future risks), to raise children for old age and not to take out insurance. There are many kinds of insurance for urban and rural residents in China, mainly including property insurance and personal insurance.
Family property insurance is an insurance used to compensate for material and economic losses. Family property insurance involving individuals includes: family property insurance, family property burglary insurance, family property endowment insurance, and all kinds of agricultural breeding insurance. Life insurance is a kind of insurance that pays insurance money for life, old age, illness, death and unemployment. There are mainly endowment insurance series, return insurance series and personal accident insurance series.
Peer to peer network
"P2P" means "person-to-person" and is a new generation of private lending. Connecting borrowers and borrowers through the Internet platform can serve the personal loan range that is difficult for banks to cover, and provide credit loans ranging from/kloc-0 to 500,000.
The P2P financial management model has just emerged, and it has attracted the attention of many high-end people. P2P not only has the characteristics of profitability and security, but also helps individuals realize the value of social welfare, which makes the innovation of financial management model reach a new height. What is different from other wealth management products is its inclusive effect. While realizing wealth management benefits, through the construction of the platform, the wealth management terminal can directly help the lives or work of ordinary people and fill all aspects of social life that large financing institutions do not touch.
The innovative financial management model represented by P2P online lending model has been widely concerned and recognized. Experts believe that P2C and P2I industrial chain financial models can effectively integrate the participation of all parties, give full play to their respective advantages, realize efficient use of resources, help the majority of small and medium-sized enterprises to "quickly" raise funds, maximize investors' income and achieve win-win results for all parties.
There are many P2P financial platforms in China, and P2P assets are risky and overdue. Investors must keep their eyes open when choosing a platform, and beware of being deceived.