Increase Interest Rate "Continuous War" Precaution &Nbsp; Wage Earners Three Ways To Deal With

On the evening of October 19th,

That is to say, in

Long lost interest rate access has opened the door, but interest rates in the future have not been clear.

Deposit and loan

Quick War: short term first

Types of financial management: short term savings and short term financial products

The central bank's interest rate policy in the past is mostly continuous. For the future interest rate changes, investors should make long-term plans, especially for the expectation of continuously raising interest rates.

In the traditional financial savings projects such as deposits and RMB financial products, many short-term savings and products are selected. Wu Ran, a national financial planner, points out that the traditional deposits and RMB financial products are based on the interest on the day. If the purchase cycle is too long, if interest rates increase, the interest rate increase can not be enjoyed.

Savings depositors should manage their savings in a timely manner. In the current situation, it is best not to choose 3-5 years' time deposits. They can choose six months to one year's fixed deposit and rolling 7 day notice deposits.

China Merchants Bank (600036, stock bar) Yu Fan, financial manager of Wanda Plaza branch, told reporters that at present, on the recommendation of financial products, she recommended three months, six months or ultra short term financial products to customers, such as 7 days, 14 days, 21 days, 30 days and so on.

On the investment type of financial products, Wu ran believes that it is possible to choose some financial products of stock types boldly and try to avoid buying too long or closed financial products.

Stick to: guard against attack

Types of financial management: gold, insurance and trust products

The extraordinary effect is not unusual at a very long time. The key is how to look at and analyze these situations. Don't think that raising interest rates is a sign of changing all the ways of managing money. Fu Lichun, director of the Chinese Academy of Social Sciences and director of the Huaxia happiness Vc firms, told the reporter.

At the beginning of October, the price of gold reached a record high. At that time, the price of gold reached a price of $1390 / ounce, and the price of gold merchants followed suit. The price of brand thousands of gold jewelry even reached 370 yuan / gram. At the same time, it attracted many investors to follow suit. In recent days, gold prices continued to decline.

Wu Ran hints at investors that gold is an investment product rather than a speculative product. Because the trend of gold is reversed against the US dollar, it is influenced by political and economic factors.

Therefore, gold can be used as a capital reserve for family wealth, but it is not recommended to hype too much.

The proportion of gold reserves in households with financial management is about 10% of the total household assets.

Lin Chen, managing director of Shanghai Pudong Development Bank (600000, stock bar), told reporters that at present, banks have launched a variety of gold trading types, such as paper gold, physical gold, gold T+D, and so on. Paper gold and gold T+D pactions all have leverage characteristics, making use of margin trading. Due to the relatively large fluctuation of gold, there may be a liquidation of warehouse positions. Therefore, it is suggested that ordinary investors choose physical gold, that is, buying physical gold at the bank. This part of the gold does not need to be retrieved, customers can only hold certificates, and customers can sell or reclaim physical assets at any time according to the situation.

For insurance and financial products, Wu ran hints to consumers that raising interest rates may have a positive effect on insurance companies, but the impact on the return of insurance products is very small.

Haitong Securities (600837, stock bar) insurance industry core analyst Pan Hongwen analysis, historical review shows that in the interest rate cycle, the insurance company's investment income will usually increase rapidly, especially in a big bull market, the investment income will explode, but the cost of capital is lagging behind.

Guotai Junan analyst Peng ERON pointed out in the report that the policy of raising interest rates will not immediately increase the cost of insurance for dividends. Only after the realization of investment income will the dividends be increased, and the interest rate gained by insurance companies will also expand as the rate of return on investment rises.

Trust financial products can be divided into two categories: financing and investment. They are suitable for users who have large amount of capital.

It is worth noting that when investing in trust products, we must find out who is the manager of the trust fund and how it is qualified. The fund manager is not a trust company. The trust company only plays the role of risk control and trust platform.

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Far away: policy is king

Types of financial management: real estate and foreign currency financial products

The housing regulation policy has not yet been over, and the new round of interest rate policy has arrived. As the professor of Finance School of Central University of Finance and Economics said, the interest rate increase is a powerful continuation of the real estate control policy.

Raising interest rates has a negative impact on the real estate market, and many research institutions hold a similar view. The people's livelihood securities analysis report believes that the main purpose of this increase is to curb the rise in housing prices, and the policy of housing for a year has not reached the goal.

GF Securities (000776, stock bar) (000776 shares, market, information, main trading) analysis report, this small increase rate of attack degree is limited, for monthly supply, raising interest rate of 0.25 percentage points is equivalent to the monthly expenditure 2% increase, the amplitude is far less than the cancellation of thirty percent off interest rate concessions on the impact of the month, but if entered the interest rate cycle, the impact on the real estate will not be underestimated.

It seems that buyers may wish to cash in and look for the best time to buy a house.

The RMB appreciation is expected to be strong. Wu ran prompts consumers not to recommend foreign currency or bond type financial products. Among them, the bond financial products are mainly bound to the US dollar, Japanese yen and euro. Even if the financial products linked to foreign currencies earn certain profits, the exchange rate losses generated in the current exchange process are quite considerable.

Lin Chen, managing director of Pudong Development Bank, also holds similar views. She analyzed that if customers had foreign currency in their accounts, they could choose to invest in foreign currency financial products. If not, they would try to buy RMB financial products.