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Hot Spots Of Personal Financial Investment

2010/10/14 16:41:00 41

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Financial Investment Fund

Since last year, with the gradual implementation of a series of national financial policies,

Investment

Conduct financial pactions

market

Opened up a broader space for development, personal investment and financing can be said to be a lot of hot spots.

speculate in gold

It is entering the golden age. Since the Bank of China launched the "Huang Bao Bao" business aimed at individual investors in Shanghai, speculation has always been a hot topic in the personal financial market, attracting the attention and favor of investors.

Especially in the past two years, international gold prices continued to rise.

It is foreseeable that with the gradual opening up of domestic gold investment, the growth potential of gold demand in the future will be enormous.

Especially after 2004, the price of domestic gold jewelry will gradually be changed from cost to price, and the consumption tax of gold jewelry 5% is also expected to be abolished. These will greatly boost the investment volume of gold, and the gold speculation business will also become a bright spot in the field of personal finance, and really enter the golden age of investment and financing.

Fund: unlimited scenery is still good. Since the first batch of closed-end funds were successfully issued in 1997, the fund has been highly praised by domestic individual investors. In 2003, the fund has obviously outstripped deposits and has become the top priority of investment and financial management.

According to relevant information, the net value of domestic funds in 2004 was nearly 200 billion yuan, accounting for more than 10% of A shares' circulation level.

According to the survey, in 2005, many investors still optimistic about the advantages of the fund's stable income and small risk, hoping to achieve the desired return through the investment of the fund.

Stocks: opportunities and risks and expert analysis, in 2005 the domestic stock market supply of funds may reach more than 150 billion yuan, capital supply and demand situation is relatively optimistic, which is a capital boost for the Chinese stock market is undoubtedly a shot in the arm.

In addition, the CSRC put forward more stringent requirements for the performance evaluation and financing of listed companies, and strengthened the regulation of the stock market, which will give investors the opportunity to make profits.

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 take the opportunity to invest.

National debt

It is estimated that 2005 will be an innovative year for the Treasury bond market, not only increasing the variety of treasury bonds, but also enabling the majority of investors to have more choices. The new way of issuing and Issuing the Treasury bonds has also been tried to further improve the marketization level of the issuance of treasury bonds, so as to minimize the interference of non market factors.

In addition, the two tier market of treasury bonds will also become the focus of this year's development.

It can be seen that this series of innovative actions of treasury bonds will surely bring more investment choices and bigger profit margins for investors.

Savings: whether old songs can be sung for new years, savings, as a traditional way of managing money, has long been deeply rooted in people's ideas.

A survey shows that most residents still regard savings as the first choice for financial management.

Some experts have analyzed that in 2004, the government adopted measures to raise interest rates in order to appropriately control the rise in price index and inflation rate, and further expand the floating range of interest rates. The rise in interest rates will stimulate the increase of savings. This traditional way of saving money is expected to become a new hot spot of financial management this year.

Bonds: once again hot, it is a foregone conclusion. In recent years, the popularity of the bond market is unforeseen.

There are indications that the issuance of corporate bonds in 2005 is still possible. The convertible bonds, floating rate bonds and Bank Subordinated Bonds will all become good investments.

In addition, the CBRC will introduce subordinated debt into subsidiary capital so as to supplement the capital structure of commercial banks and enable banks to issue bonds, which will help to boost the bond market once again.

Foreign exchange: investment profit opportunities are increasing. In recent years, the continuous decline of the US dollar exchange rate has made more and more people gain huge profits through personal foreign exchange trading, and also made the foreign exchange market once unusually hot.

Various foreign exchange financial products have also been launched, such as the foreign exchange of commercial banks, the foreign exchange treasure of the Bank of China and the Agricultural Bank of China, and the quick remittance of the Construction Bank for investors to choose.

This year, the Chinese government will continue to adhere to the principle of RMB stability, adopt RMB and foreign exchange linkage and increase the autonomy of foreign exchange, so as to promote the healthy development of the foreign exchange market.

Therefore, relevant experts analysis, this year in the foreign exchange market investment profit will be greater, more opportunities.

Insurance: income type insurance will become a hot spot of investment compared with the insurance market that has been hot for many years.

There are more general types of income insurance, which not only has the basic guarantee function of insurance, but also can bring huge profits to investors.

Therefore, the purchase of income categories is expected to become a new hot spot for personal finance this year.