2011 Financial Management "Pulse" To Fight New Financing Than Stocks?

Data show that by the end of 2010, the Chinese people savings Nearly 30 trillion yuan, the per capita GDP is about 26500 yuan, and the savings rate is above 40%. A large number of citizens capital Accumulation is increasing, but high inflation is also constantly diluting the growing wealth of the people. Faced with numerous investment and financial products, how to maintain and increase their property in the coming 2011, the people are facing new choices.

　　 Savings period It should be short and not long.

For a long time, our people have the traditional habit of saving. According to the current interest rate standard, the length of saving time determines the level of interest rates. Generally speaking, people will choose long-term savings. But 2011 is not necessarily the case, because in the new year, overall prices will rise and inflation will increase. According to the experts' forecast, the price rise will be around 4% in 2011, which is much higher than the current one-year savings rate of 2.5%. Under high inflation, although the central bank has raised the deposit reserve ratio as the main card, the possibility of raising interest rates is still very high. In accordance with the savings rules, the interest rate is no longer raised. Therefore, in the expectation of rising interest rates, people will save long-term savings and face the risk of diminishing returns. Therefore, the savings period of the new year should be short and not long.

Stock investment focuses on seven industries.

With the expansion of China's stock market over the past 20 years, stock investment has become an important choice for people to manage their finances. Practice has proved that the most important thing is to choose industries and stocks. Even in the weak market, we will get better returns if we choose industries and stocks.

In 2011, stock investment should focus on seven industries chosen by the 12th Five-Year plan. Investors need to be reminded that in these industries, they should be avoided as much as possible last year. They should choose some industries and stocks that have not been stir fried, such as the high-end manufacturing industry in the "12th Five-Year plan", especially in the high-speed rail industry and stocks with huge development potential and valuation advantages at home and abroad. This is because the state has the largest and longest investment in the industry, and has a relatively monopoly position in the state, which will bring good returns to investors.

New financial management is better than speculation.

In 2010, the Shanghai Composite Index fell by 10%, which meant that investors who invested in Shanghai stock market lost 10% of the total. Investors engaged in new shares have gained good results. In 2010, about 350 listed A shares were issued, of which the largest increase in the first day of listing was the new Asian process, reaching 275.33%, while the worst ork shares fell 9.91% on the first day of listing, but as the first day of Auck shares fell, most of them showed more than 20% gains, and the profits were far greater than the risks. It is estimated that the scale and speed of issuing new shares in China will not slow down in 2011. In the situation of tight money and increasing market volatility, participation in new shares can avoid the risks brought by the market shock and get good returns.

Fund investment should be carefully selected.

In the eyes of many investors, fund companies are experts in financial management, with specialized research institutions, and highly educated, high standard and high professional attributes, which are worthy of financial management. However, according to the performance of hundreds of fund companies this year, the income gap between the public fund and the private equity fund is very different because of the different investment strategies and styles of the public funds and private equity funds. For example, Wang Yawei, a famous fund manager, has always been in the forefront of various companies, while some funds may not lose profits, but will also lose money. Therefore, the choice of fund companies is to study carefully and entrust funds to trusted managers.

Borrowing costs must be considered.

As the new year will enter a period of interest rate increase, we must take into account the expected increase in borrowing costs when preparing to borrow and buy houses and bulk goods. Assuming that borrowing is 100 thousand yuan, if the cumulative interest rate increases by 1 percentage points in one year, the interest expense will be increased by 1000 yuan next year. Since October 2010, many people have returned all or part of their loans before the end of the year. That is because borrowers increase the financial burden of debt service after raising interest rates. Therefore, under the expectation of raising interest rates, some people have abandoned the intention of borrowing and buying houses.

The housing market investment should be cautious. In the past year, from the State Council to ministries and commissions, a number of policies and measures have been issued to curb the rise in housing prices. However, the expected effect has not yet been achieved. In order to prevent the housing bubble, it is expected that a stronger policy will emerge in 2011. If the property tax is levied on schedule, it will cause serious impact on speculation, speculation and investors, which will greatly increase the investment cost and bring risks to real estate investment. Plus the new year, the country will launch 10 million affordable housing scheme, and will bring a certain impact on the housing market. Therefore, in 2011, we must awaken the real estate investors, and do not sing "rival Games" with the national policies. {page_break}
 

More opportunities for gold appreciation

Over the years, China's gold spot market has seen that prices have basically risen unilaterally. At present, gold investment in China has many forms, such as gold spot, futures and so on. It is also divided into gold bars, gold coins, various jewellery and handicrafts, which can be adapted to consumers of different tastes. If they are simple investors, they can choose spot goods. However, gold spot needs the storage environment of safety insurance. If we do not have such conditions, we can choose futures and get profits. In particular, as the US dollar has declined since the beginning of this year, central banks have been able to absorb large amounts of gold. Next year, the price of gold is expected to continue to surge and bring more investment opportunities to investors.

The bond yields are stabilized by the so-called national debt, which is issued by the state on the basis of its credit. Investment in treasury bonds is safe and stable. For example, the fifth issue of treasury bonds issued by the Ministry of Finance in December 6, 2010, the annual interest rate of 1 years is 2.85%, the annual interest rate of 3 years is 4.25%, the 5 year face coupon rate is 4.6%, and the income is obviously higher than that of the same period. Moreover, if investors want to collect treasury bonds in advance, paying interest according to the actual holding time and the corresponding sub file interest rate is much better than that of saving advance payment according to the current interest rate. Therefore, the purchase of treasury bonds in the new year can still serve as a traditional channel for people to manage their finances.

Corporate bonds have long been bullish. Since last year, interest rates on bonds issued by enterprises have also been on the rise with the increase in interest rates. In the case of corporate bonds issued by Yuxing Asset Management Co., Ltd. in December 2010, the total issue amount of bonds is RMB 500 million yuan, with a term of 7 years, with a nominal annual interest rate of 7.29%, which is 1.15 percentage points higher than the bank lending rate of 5 years or more. If some investors take the opportunity to buy medium and long-term bonds issued by enterprises, it is a good investment choice.

The entrusted financial management object is the key personal entrusted financial management, which is a financial management method including individual entrusted loans. It refers to the loan business which is issued by the natural person as the principal, and the bank's loan object, purpose, amount, time limit and interest rate determined by the client. Among them, as a wealthy entrustment side, the choice of good financial targets is the key, not only requires the financial object to give the price is high, and the risk is small. For example, Mr. Zhang, who worked in a community, saved 100 thousand yuan in savings and entrusted him to do business by Mr. Wang, with an annual interest rate of 12%. For 2 years, Mr. Zhang earned more than 20 thousand yuan, which is more than 4 times that of bank savings. It can be seen that as long as we have a good grasp of the target, entrust financial management can achieve good returns.

Details of bank insurance and financial management should be worked out. Many commercial banks and insurance companies have launched many financial services. Many businesses have attracted people to join in high yields. Some expected annual yield is even more than 4%. Some financial planners are also saying: let yields beat CPI. For example, one of the financial products launched by a state-owned bank in December this year is expected to have a maximum annual yield of 4.5%. From the actual earnings point of view, since last year, nearly 3500 bank financial products have expired, although most of them achieve the expected return, but compared with the growth rate of CPI, up to 70% of the financial products failed to win.

CPI, and even the bank's time deposits have not surpassed. At the same time, there are some provisions in the insurance companies that are not clear, and the explanation is flexible. If we read the instructions, the final revenue will probably be greatly reduced. Therefore, the key to carry out Bancassurance in the new year is to ask for details in advance.

We should have a vision for collecting investments. With the expansion of the affluent society, people will think more about investment and gain higher profits. For example, recently, some domestic and foreign auction markets have sold astronomical products, which has aroused many people's desire to collect. So some people are no longer satisfied with traditional stamps, coins and other varieties, but expand their collections to various fields, so long as they are old, rare and valuable, they are included in the collection. In fact, they should learn more professional knowledge so as not to spend a lot of money on fake goods. Collecting can not be eager for quick success and instant benefit, but to make long-term plans. After all, many collections are music in the contemporary era and benefit later generations. As a collection investor, we must use spare cash to avoid affecting future life.

Shopping and shopping is also an important part of financial management, especially for families with low incomes. If some people buy clothes, winter clothes will be bought in spring, and summer clothes will be bought later in the autumn. Thus, off-season shopping can save half or even 2/3 of the money. For example, residents buy vegetables, which are cheaper than chain stores, because many chain stores supply directly to vegetable bases. Family life seems to be a small sum of money, but over time, accumulation is not a decimal.

In a word, in 2011, people's investment and financial management is closely related to the changing new situation, new characteristics and new demands. In particular, we should grasp the basic trend of monetary policy and keep pace with the times. On the other hand, according to the needs, advantages and preferences of investment and financing, we should adopt financial management methods that meet their own characteristics, so as to achieve the desired results.