2011 Let The Money In Your Pocket Change Into A Living Method.

Investment and financing in 2011 can not be separated from the topic of raising interest rates and inflation.

Since February 9th, the benchmark lending rate for financial institutions has increased. This is the third time the central bank has raised interest rates since October last year.

In February 15th, the National Bureau of Statistics announced that CPI (consumer price index) was 4.9% in January.

Anti inflation is still the main task of financial management this year.

How can people realize their assets value and increase in the interest rate hike and inflation expectations? A few days ago, reporters interviewed professionals from banks, securities and insurance institutions to provide financial support for the people.

Do interest rates increase?

A new round of interest rate cycles aimed at curbing inflation has already begun. Since last October, whenever central banks raised interest rates, banks would always be depositors.

If interest rates are raised, will the time deposit in hand be converted?

China Merchants Bank has introduced whether the pfer is to be calculated according to the time limit and the number of days remaining.

The calculation formula is: the pfer time is =360 days, the storage period is x (the new interest rate - the original interest rate), (the new interest rate - current interest rate).

Take a one year term deposit as an example, 360 x 1 x (2.5-2.25) 2.5-0.36 (=42.06) days.

If the deposit has been stored for 43 days, the interest will be removed and then pferred. The interest rate before 43 days should be calculated according to the current interest rate, so that the income of the depositor is not more than that of the loss.

Large and short term can also be fixed.

The 3 month regular and half year time deposits are familiar to everyone. Have you heard of the term "1 days regular" and "7 days regular"?

Before the Spring Festival, Taiyuan citizen Liu Mei plans to make more than 6 yuan of cash in current savings, but in the postal savings bank staff introduced the 7 day notice deposit business, before and after the Spring Festival nearly 1 months time, the total interest is nearly 80 yuan, and if it is a current account, the interest rate is only 6 yuan.

"Interest is much more, but when it comes to deposits and withdrawals, it has been in line for more than an hour."

Liu Mei felt very inconvenient.

Industry insiders: "if the money is managed through online banking, it will definitely be different if the interest income is collected at home or in the office."

At present, the interest rates for 1 days and 7 days of notice deposits are 0.85% and 1.39% respectively, though not as regular as 2.60% at 3 months, but much higher than that of demand deposits. The flexibility of withdrawals is similar to that of current savings, which is more suitable for dealing with large amount of business funds that are not fixed for a long time.

At present, the minimum deposit amount for many banks is 50 thousand yuan. In the case of 50 thousand yuan, the same interest rate is 15 days. The interest rate is 8.33 yuan, while the interest rate for 1 days and 7 days is 17.11 yuan and 28.96 yuan respectively.

In fact, according to the different needs of customers, there are now 1 days, 7 days, 14 days, 60 days, 90 days and so on.

For example, the funds drawn from the stock market on the weekend can be pferred to the financial account before obtaining new shares on Monday.

How to face the stock market

What are the current investment strategies for ordinary investors and people who are on the market?

Yi Lei, a macro researcher at Shanxi Securities Research Institute, thinks that from the traditional Merrill Lynch Investment clock chart, cash is the first choice for large categories of investments in the period of economic decline and inflation intensification. As cash prices rise (i.e. in the interest rate cycle), investors can buy money products (IMF, bond funds) and short-term fixed deposits, and turn to medium and long term fixed deposits at the end of raising interest rates.

In the first half of the last round of inflation (the first half of 2008), the price of A shares and bonds declined sharply under the background of monetary tightening.

As the peak of inflation is yet to come and the monetary tightening is not yet in the final stage, it is difficult for the stock and bond to gain systemic excess return.

However, some sectors and sectors of A share are benefited from inflation. For example, the two sectors, agriculture and chemical industry, won the market in the last round of inflation and gained absolute profits.

In the agricultural sector, Yi Lei suggested paying attention to the subdivision industries directly related to grain price rise, such as seed industry and cash crop production companies, as well as the demand for agricultural products that have benefited from rising grain prices, such as fertilizers and pesticides, including fertilizers and pesticides, which are also under pressure from petrochemical products, and the price increases are expected to exist.

Yi Lei predicts that in the second half of 2011, inflation will drop somewhat, and monetary policy will gradually become loose. It is suggested that the proportion of investment in cyclical sectors can be increased step by step.

In the latter half of the last round of inflation (the second half of 2008), CPI continued to fall, the pace of monetary tightening stopped, market interest rates decreased significantly, liquidity gradually became abundant, and bond market ushered in a wave of market.

Therefore, it is suggested that the proportion of investment in bonds can be gradually increased in the second half of the year.

In addition, the allocation of stock industry suggests that we should not consider systemic gains. We can focus on cyclical sectors, such as coal and non-ferrous metals. These industries are benefited from loose monetary policy and excess earnings expectations.

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How to save money

According to the professional analysis, the interest rate increase on the first working day after the Spring Festival or the beginning of a raise interest rate channel, in this case, how can the people save money?

According to the bank, according to the interest rate table issued by the central bank, the longer the deposit period is, the higher the annual interest rate.

For example, the current annual interest rate for the 1 year time deposit is 3%, 2, 3 and 5 years are 3.9%, 4.5% and 5% respectively.

But depositors can't just stare at high interest rates.

Because in the context of increasing interest rates, the longer the deposit period is, the longer the depositor's funds will be "locked", and the greater the risk of inflation and interest rate increases.

Therefore, unless special circumstances or interest rates do not fluctuate, it is best not to choose a deposit for more than 3 years at the time of the time deposit. The average household can deposit 1 years or less.

Buy insurance to protect life

In view of the misunderstanding that some families have insurance and adults are not insured, Zhao Yuemei, the 35 senior manager of China Ping An Shanxi branch, suggests that the primary target of family insurance planning should be the owner of a family.

Buying insurance depends on financial management rather than economic capacity.

For example, a young person earmarked fifty or sixty yuan premiums in 1 months, and 500 yuan to 600 yuan a year, which can also get basic protection, including 100 thousand yuan life risk protection and accident medical insurance.

In Zhao Yuemei's words, even if "dog bites, cat scratches, flickers and sprained feet", as long as the medical cost exceeds 100 yuan, the insurance company is responsible for reimbursement, and in case of accidental death, 100 thousand yuan directly pays for the family.

Insurance is compulsory savings.

Zhao Yuemei said that more than 20 year old young people earn more than 1000 yuan a month, and spend less than 100 yuan in January. That is to go out to play less cars, eat less vegetables, and buy less clothes on weekdays.

Zhao Yuemei believes that the more money people earn, the less happiness they have. This is because life is too stressful. All risks and responsibilities are shouldered on the shoulders. We should learn to manage risks and avoid risks with insurance and financial management.

Different families and different needs emphasize the need to tailor different plans for insurance and financial management.

Zhao Yuemei suggested that in the selection of insurance, we should first choose insurance products, such as accident insurance and health insurance. If the economic conditions are good, we should consider the products of investment or protection and investment, and choose strong, influential brands and trustworthy salesmen.

Mandatory investment for lazy people

The current 1 year time deposit rate is 3%. Last year, CPI was 3.3%. In January this year, it was 4.9%. If the time deposit is simple, although there is no risk and security, the wealth is actually in a state of shrinking. If we want to catch up with CPI and even win CPI, we need to make some financial planning.

In a joint-stock bank business hall, there is a fund to vote for the expected "big turntable". If planning the future children's education or the expected reserve target of their own pension, we can find the corresponding monthly fixed investment and financing amount; otherwise, confirm the current fixed investment amount, we can also calculate the corresponding expected return.

The significance of financial management is not only to manage wealth, but also to plan for the future and plan for wealth, the staff said.

In view of the public's "no money and reasonable" mentality, the staff members should have their own financial planning for their income.

For example, a monthly income of more than 1000 yuan of young people, if there are hundreds of dollars a month's expenditure balance, it is recommended that long-term investment in fixed investment.

At present, the lowest participation threshold of the China Merchants Bank fund "intelligent fixed investment" is 300 yuan, or 300 yuan per month. For young people, they may not know where to spend at ordinary times, but for wage earners, 300 yuan a month, 3600 yuan a year.

The fund's "fixed investment", which is fixed at a fixed time (such as 1000 yuan) to invest in a designated open-end fund, is a popular investment in the long run. It is often referred to as "lazy money management", "fool management" and "small investment plan".

The longer the general investment time, the more obvious the effect of compound interest is, and the more wealth it accumulates.

The fund is scheduled to vote, which is a confidence in the future of China's economy.

The staff of the China Merchants Bank said that compared with the direct entry into the stock market, the fund was bought in installments at a time when the price was higher. When the price was higher, the number of units purchased was lower. When the price was lower, the number of units purchased was large, and the accumulated costs and risks were naturally accumulated for a long time.

New investment in the era of silver confusion

More and more investors have begun to pay attention to precious metals such as gold, silver and other precious metals under the influence of the global liquidity surplus, the increasingly severe inflation situation and the unstable situation in the Middle East.

Ge Pengfei, financial manager of Taiyuan branch of Xingye Bank, suggests that gold and silver are good targets against inflation in the context of inflation expectations. For investors, silver with low price and high potential is more suitable for investing in financial affairs with mobility. Gold, which is famous for its stability and safety, is more suitable for keeping the value of the "bottom of the box", and it can also consider the combination of silver and gold investment to realize the cross variety arbitrage operation of precious metals.

International silver prices climbed repeatedly. In February 22nd, the spot price of London Silver Rose to more than $34 an ounce, reaching a new high in 31 years, reaching 80% in half a year.

Ge Pengfei analysis, although silver and gold are closely related to the trend, but because of the attributes of their industrial products also have their own unique personality, the need to refer to more basic, this is also the reason why silver market volatility is bigger than gold.

Ge Pengfei introduced that, compared to gold investment products, silver products investment threshold is low, it can be said that more than a thousand yuan can be fried silver.

Societe Generale has launched the acting Ag (T+D) for the delayed delivery of products in 2009.

This product is in the form of margin, with 1000 grams per hand corresponding to price priority and time priority.

Transactions can be traded either way or in kind.

The deposit rate of's deferred products is 15%, which is calculated at the price of about 7146 yuan in March 1st Ag (T+D) 1000 yuan, making only 1071 yuan for a single silver.

At present, the domestic market besides Shanghai gold exchange's Ag (T+D) product, also has the silver bar, the silver coin and the silver chapter and so on investment product.

Compared with other ways of investment, Ag (T+D) has the advantage of being able to carry out two-way operations, that is, whether the market is going up or down, there are profit opportunities. Moreover, Ag (T+D) supports night trading and basically integrates with the international market. Compared with the real silver, Ag (T+D) has low paction cost, and can also carry out T+0 pactions, but it does not involve the issue of custody after repurchase.

However, analysts also say that silver is now at a high level, which will affect the production cost of silver and further affect the industrial demand of silver.

Choosing to invest in silver needs to pay close attention to market changes and avoid possible investment risks.