Rabbit Financial Management Adhere To The Trend Of The Concept Of &Nbsp; Detailed Analysis Of The 6 Investment Products Keywords

From the view of pulling the economy three carriages, the overall economy is still developing well, and exports in the 1-12 months increased by 31.3% compared with the same period last year. In addition, the economy of the major countries in the United States and Europe is in a recovery channel, and the Japanese economy has been stable. Although the RMB appreciation has affected some of the export enterprises' performance, the overall foreign trade has been growing steadily. In terms of consumption, the total CPI growth in 3.3% months has been 3.3% in December, and the CPI growth has been 4.6% in December, compared with the 0.5 percentage point drop in December. Inflation pressure still persists, especially in food and residential goods. The central government has repeatedly stressed that stabilizing the prices is the primary economic objective.

Yang Benyan, financial management division of wealth management center, Zhongshan branch, Ho sum Finance Co., Ltd.

Two, prospects for the market

Based on the overall grasp of the macro-economy, the central government is actually in a dilemma. On the one hand, we must stabilize prices and house prices. On the other hand, we should promote structural adjustment, promote the development of new industries and consumption industries in order to achieve certain economic growth. Therefore, the current policy of wide fiscal and tight monetary policy is to spend money on improving people's livelihood, adjusting industrial structure and developing new industries, and appropriately controlling currency liquidity, preventing overheated economy and stabilizing prices.

When the government's decision is in a dilemma, the capital market is also showing a trend of volatility. In addition, the current market valuation is at a reasonable level. Therefore, 2011 is still likely to be a trend of broad fluctuation. There is no reason for a sharp decline or a sharp rise. With the gradual control of prices in the second half of the year, there may be a slight increase.

Three, investment and financial advice

There are two suggestions: first, stick to the concept of trend.

The trend investment I mentioned is a long-term investment with a choice. When the market level is at a relatively high level, clear the stock and wait patiently for the arrival of a big trend. When the market is in a relatively low position, it can boldly buy and seize the upward trend of a large band.

This trend is not a time constraint (such as 1 years or half a year). It is a trend that combines the fundamentals of the economy and the valuation level of the market. It is a trend of paying attention to the market as a whole instead of selecting stocks.

Adhere to the concept of big trend investment, in order to get big returns, it will not care about short-term fluctuations.

At present, we are in the early stage of a major trend.

Two, we should do well in asset allocation and prudent financial management.

Aggressive investors can increase stocks, partial equity funds, private equity and gold investments, while conservative ones should increase bond funds, financial products and fixed quotas.

Single product aspect:

Stock:

Take emerging industries as the main line, hold medium and long term, emphasize individual stocks, and lightly index.

Those who have the strength of capital can participate in the sale of private equity products by banks, with a long cycle, high return rate and indirect participation in the primary market.

Fund:

The individual advocates the future choice of balanced funds and emerging industries as personalized funds for investment targets.

At the same time, a bond fund can be allocated appropriately, because the fund can "enter and attack, retreat and defend". When the market goes up, the stock can be shared due to the lack of appropriate positions. When the market falls, the seesaw effect of stocks and bonds can be used to avoid risks (such as the average annual return of 6% in the 08 financial crisis).

In addition, more funds can consider sunshine private placement fund, such as the cooperation of the construction company, such as rosefinch, star stone and other private institutions, its products far outperform the large market; the salaried class can configure the fixed investment products, and the annual income of medium and long-term investments can reach about 10%.

Financial products:

Liquidity funds can be used to configure short-term banking products, such as the Qian Yuan series of the Bank of China. The product revenue is more than 2 times that of the same period of deposits. The liquidity is strong. The medium-term funds can be configured for 1-2 years, and some products yield up to 8%. It is no problem to win the CPI.

Real estate:

It is prudent to hold. With the macro-control of the central government, the future status of the real estate will gradually decline. It is unlikely that it will increase as it used to be, but because of its special status, the possibility of a sharp fall is not great.

If you want to invest, choose the two or three line cities, including the great potential for development in the central and western regions, then choose the location. We must choose a good plot investment.

Finally, the developer must choose the company with good reputation and good reputation.

Gold:

At present, high volatility is technically risky, but it can still be held for a long time. It is due to the implementation of loose monetary policy in many countries led by the United States to increase commodity prices. In addition, the rising demand for gold in Asian and African countries has pushed gold prices higher and higher.

For gold investment, we should consider the medium and long lines. Physical gold can be collected for long-term holding and hedging.

Collection:

Non professional investors can collect physical gold, commemorative gold and silver coins and postal books, and choose jade rabbit collections at the same time. On the one hand, Hetian jade resources are scarce and prices are rising. On the other hand, in traditional culture, rabbits have the meaning of tranquility and auspicious, and can choose the theme of "jade rabbit Dongsheng", while selecting jade should pay attention to material, texture, color, carving, and so on.

As a collection, besides its gold and silver materials, its commemorative and artistic value is the important factor determining its collection value. Investors must maintain a good attitude when collecting, and do not blindly "catch up".

Besides, according to historical experience, rabbits can draw pictures with few subjects, and their collection value is not very large.

As for the professional collector's own experience and professional vision, it is another matter.

However, collection investment is only suitable for a certain number of savors who are properly allocated, and non professionals should not indulge in it.