Today'S High Prices Teach You How To Manage Money.

Commodity prices skyrocketed around the world

In the shadow of the currency war, on the one hand, the RMB has appreciated rapidly against the US dollar. On the other hand, the domestic inflation pressure is increasing, and the negative interest rate will continue.

In the case of RMB's "internal derogatory rise", how do ordinary people let it?

In October 15th, the central parity of US dollar against RMB was 6.6497 yuan.

So far, the people's Bank of China announced further deepening in June 19th.

At the same time, the CPI growth rate in September is expected to exceed August, reaching 3.6%~4%, and the current one-year fixed deposit rate is only 2.25%. That is to say, when the 10 thousand yuan deposit is fixed for one year, the actual loss of depositors is 135~175 yuan.

Under the negative interest rate and the appreciation of the local currency, how can the common people ensure that assets will not shrink as much as possible?

People's financial advice

It is suggested that RMB assets should not be changed into US dollar assets.

Fang Fang, vice president of investment in Standard Chartered Bank, said that for people living in China, Renminbi assets are not recommended for foreign currency assets.

Because the trend of a sharp decline in the US dollar will not change for half a year.

If a Chinese citizen who wants to emigrate, because he needs second kinds of currencies and cannot see the possibility of appreciation in the US dollar, it is advisable to make foreign exchange as far as possible.

Beyond the $50 thousand swap limit, banks can buy some funds for overseas market investments.

Recommendation two large sums of money can be involved in the stock market.

Zhu Yue, an analyst at Goldman Sachs (Asia) limited liability company, said the risk of a hard landing in China's economy is fading.

The policy has begun to relax and possibly continue.

The return of A shares is mainly concentrated at the end of the year, and the uplink space is more than 20%.

Because of the high position of the fund, the lifting of the non tradable shares to the market sentiment and the uncertainty of the high weight plate, the A share index trend may take longer to reverse than the H-share index, but after a period of time, the rebound should be more significant.

The combination of defensive industries and some cyclical industries with low policy risk and high growth rate is most likely to benefit from the relaxation of some industry policies (rather than overall relaxation).

High retail, insurance, industrial / mechanical and building materials industries are recommended.

The stock market investment consultant Gao Chuan theory holds that the market trend is established. From the point of view of plate rotation, the optional sectors are steel, ocean and real estate plates.

Recommendation three can buy ETF fund to share the feast of commodities.

The surge in demand in China has also pushed up the rise in commodity prices.

The appreciation of the renminbi has also increased China's purchasing power for commodities.

Therefore, regardless of quantity or price, commodities will have considerable investment space in the next six months.

Fang Fang believes that because commodities are priced in US dollars, the US dollar will fall and commodity prices will rise. Therefore, the investment prospect of commodities in the next six months is also promising.

However, the risk of commodity futures speculation is very large. The most feasible way for ordinary people is to invest in commodity linked ETF funds.

Such funds are available in major banks.

Recommendation four the property market will encounter short-term regulation and avoid entry.

In the next 12 months, Chinese property developers may face a 10% drop in property prices in major cities.

Despite the volatility and regulatory uncertainty of the industry, the developers themselves seem to be more effective in coping with the current challenges than the market downturn in 2008. Standard & Poor's ratings service has recently released the industry report entitled "China's government to strengthen market regulation and make the real estate industry unpredictable".

Standard and poor's credit analyst Bubei said: "the Chinese government's regulatory policy is designed to prevent soaring housing prices and curb speculative purchases, which will reduce market demand.

At the same time, we believe that a large number of new projects will enter the sales stage, thereby increasing the supply.

Therefore, we believe that in the short term, the average selling price of real estate still has room for downward adjustment.

Nevertheless, many developers have adequate liquidity and have achieved most of the confirmed revenue targets for 2010.

This will reduce the pressure of sharp reduction in housing prices in the short term. "