The Interest Rate Is Hard To Change And The Negative Interest Rate Is &Nbsp.

The National Bureau of statistics released the third quarter national day 21.

Experts believe that inflation fears have become hovering.

CPI even highlights the financial difficulties of innovation

"Raising interest rates or not winning C PI, my savings can't stay in the bank for a long time, so I have to find a suitable channel to manage my money, even if I do not increase the value, but at least I will not depreciate."

Guangzhou white-collar Luo Hui said.

In fact, there are not a few people who have the same difficulties as Luo Hui. Experts say that despite the increase in interest rates, the rise of C PI still means the relative shrinkage of household deposits, which is why people feel that "money is becoming more and more useless."

Zhao Lihang, director of the financial research center of Guangdong University of Business, believes that the benchmark interest rate for one-year deposits increased to 2.50% after the increase in interest rates, but compared to the fact that the C PI rose by 3.6% in September, this means that the real deposits of our residents have been negative for 8 consecutive months, and the negative interest rate pattern will continue for a period of time.

In front of the business hall of Bank of Guangzhou, the reporter saw many depositors waiting for business to look at all kinds of financial brochures provided by banks.

The staff of the sales department told reporters that the number of customers who came to consult financial matters in the past two days increased significantly.

Reduce cash class assets and increase non cash assets

Reporters in the survey learned that, in the context of inflation expectations intensified, people's willingness to invest tends to be cautious, asset maintenance is the most concern of the public.

Experts suggest that we should reduce the losses caused by negative interest rates, minimize cash assets and increase non cash assets, and consider some short-term financial products of investment banks.

Zhao Lihang believes that the risk of bank financial products is relatively low, basically a way to protect profits.

At present, major banks have issued fixed income investment products for 3 months and 6 months, with yields ranging from 2.6% to 2.8%.

"This product is characterized by flexible operation cycle, even if banks increase interest rates, it can be pferred to regular, convenient and practical."

Zhao Lihang said.

In addition, the fund, called "lazy money management", is a way of investment that can be tried.

The fund's fixed investment is to invest in the designated open-end fund at a fixed time at a fixed time per month, similar to the bank's zero deposit.

If investors have certain risk tolerance, they can also consider index funds. The characteristics of these funds are that the changes of earnings follow the index, and they can often achieve higher returns.

In addition, the traditional dividend insurance products have many functions, such as protection, savings, value preservation and so on, and have been gradually favored by the public in recent years.

Insiders say that in the case of unclear capital market income, although the dividend insurance seems to have a long average yield, it is a conservative investor's participation in many investment types.

Three aspects of planning and financing

Industry analysts say that for a long time, our residents lack the sense of rational planning and management. Therefore, once they encounter market fluctuations or family economic changes, their coping ability is often poor.

Chen Changer, manager of the personal finance department of the Guangdong branch of ICBC, said that even if inflation and other factors were put aside, education, medical care, housing, pension and other issues were all faced by families. If there is no reasonable financial planning, once these problems are "coming to the door", you will probably be "at a loss".

Experts suggest that we should start with three aspects:

First, take the initiative to understand financial management knowledge, develop financial habits.

Secondly, with the help of professional institutions, we should formulate diversified financial plans.

When investors have relatively ample funds, and at the same time face future education, medical care, pension and other expenses, they can turn to professional financial institutions.

Professional financial institutions make financial diagnosis with objective evaluation system, and make diversified financial allocation plans for customers.

Finally, the investment decision is made. The advice given by the commercial organization is for reference only. The final decision must be made by the investor himself. On the basis of fully understanding his financial situation and financial preference, investors can make investment judgments that meet their own needs.

Experts suggest that once an investment decision is made, don't look back and forth.