■ Gold:
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, 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. 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. Many investors are still very optimistic about the advantages and characteristics of the fund, such as stable income and low risk, and hope to obtain ideal income through the investment of the fund.
■ Stock:
Buying stocks means buying listed companies and China's economic growth. At present, the supply and demand of domestic stock market funds 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.
future
Generally, it refers to a futures contract, which is a standardized contract made by a futures exchange and agreed to deliver a certain amount of subject matter at a specific time and place in the future. This subject matter, also known as the underlying asset, can be a commodity, such as copper or crude oil, or a financial instrument. If the buyer of a futures contract holds the contract until the expiration date, he is obliged to purchase the subject matter corresponding to the futures contract; If the seller of a futures contract holds the contract until it expires, he is obliged to sell the subject matter corresponding to the futures contract (some futures contracts do not make physical delivery but settle the price difference when they expire). For example, the expiration of stock index futures is the final settlement of the futures contract in the opponent according to a certain average of the spot index. Of course, traders of futures contracts can also choose to reverse the transaction before the contract expires to offset this obligation.
■ National debt:
2005 was a year of innovation in the national debt market, which not only increased the variety of national debt, but also gave 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.
■ saving:
Over the years, savings, as a traditional financial management method, has long been deeply rooted in people's hearts. Most residents still regard savings as the first choice for financial management. On the one hand, because the momentum of foreign capital flowing into China is still strong, 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 in interest rates will certainly stimulate the increase in savings.
■ Bonds:
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:
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. Foreign exchange investment can be automatically traded through foreign exchange, with high returns, ease and stability.
■ Insurance:
Compared with other tepid insurance markets, 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.
■ Bank wealth management products
Bank wealth management products are also an important item, and bank wealth management products are also a big investment in people's daily investment. Compared with stocks and funds, bank wealth management products have the characteristics of high threshold and slightly poor liquidity. When choosing wealth management products, we should not only consider our own investment preferences and wealth management needs, but also properly consider the influence of the external factor of the market on the "trend" of wealth management products.
■ Jewelry
The word jewelry is certainly not strange to us. Since ancient times, the word jewelry has often appeared in people's life vocabulary. At present, with the improvement of people's living standards and aesthetic ability, jewelry is rapidly entering thousands of households. Nowadays, internationally recognized and certified jewelry also has strong investment and financial value. Take diamonds as an example. Generally, diamonds with a score above 15 have the value of maintaining and increasing value.