Financial Management Changes Because Of Potential.

In the past 5 years, China's Shanghai Composite Index has soared from 998 to 6124, and then dropped from 6000 to 1664.

5 years ago, he put all his assets in the Bank of 500 thousand yuan. After 5 years, he bought funds, real estate, fried gold and shops, and became assets of more than 3 million yuan.

After the Spring Festival of 2006, Meng Fan, 37, became the first attempt to manage money.

"At that time, a few friends around began to buy stocks and buy funds. The market looked pretty good."

After discussing with his wife, Meng began to surf the Internet, buy books, devote himself to studying stocks and funds, and withdraw most of his savings from bank accounts for about 300000 yuan, and bought several relatively low risk stock funds.

By the second half of 2007, the stock market soared to more than 6000 points, and Meng fan's fund rose more than 100%.. When friends around him were optimistic about the market, Meng fan realized that the stock market had shown a sharp bear signal when the stock market in Europe and the United States had dropped sharply. It was to redeem all the funds in the hands and cash nearly 800 thousand yuan.

Subsequently, the A share market was full of ups and down, and many of the funds broke down.

At the end of that year, Meng felt that a new round of property prices began to rise. He took about 800000 of the cash in hand, plus nearly 500 thousand yuan from bank loans, and bought two apartments respectively.

By the first half of 2010, house prices rose by nearly 100%. Meng fan sold two properties and sold nearly 2 million 500 thousand yuan. After paying off the loan, he left about 2000000.

"At that time, housing prices continued to rise, but I feel a bit dangerous, after all, the increase is too great."

Meng Fan said that after selling the real estate, he took nearly 2 million yuan to buy bank paper gold. By the end of last year, the price of gold had risen by more than 20%.. At this time, the housing purchase restriction order was issued. Meng fan noticed the investment opportunities of shops after the real estate was suppressed.

Before the Spring Festival this year, after many field visits and comparisons, Meng fan invested nearly 3 million yuan in a business circle to buy a more than 80 square meter shop.

"When the shops are rented out, they can receive at least 20 thousand yuan a month rent, and the investment cost will be recovered in ten years."

Meng fan confidently said.

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Bankers: innovative financial institutions

In the past 5 years, banks have scrambled to open up the function of Internet banking. The public can only complete the business of pfer remittance, payment, purchase of financial products, funds and so on by only one computer that can access the Internet. In the past one or two years, banks have launched mobile banking services for 3G mobile users.

Bankers say that mobile phones have become more and more people's portable banks. In view of the financing difficulties of small and medium enterprises and individual businesses, banks have set up SME branches or small and medium enterprises service centers in recent years, innovating the loan mode, and providing small loans through means of patent pledge and third party guarantees.

Financial manager comments:

Financial management has undergone several changes.

Societe Generale Bank Financial Planner Liu Tengbo said, in 2006 and 2007 bull market, many bank financial products annual income of more than 20%, stock and fund annual increase of more than 100% is also a common occurrence, such a high yield so that many people in droves.

From the point of view of investment and financial management, annual revenue of more than 10% is not normal.

After the 2007 peak, the stock market fell rapidly, and many investors and people were trapped. At that time, a large number of funds fled from the stock market entered the property market, so that housing prices began to heat up rapidly.

At the end of 2010, in order to control the excessively high housing prices, the state issued heavy punches and restricted loans, and many investors who had been outside the door began to switch to shops, gold or buy financial products.

In just 5 years, investment hot spots have changed several times, which requires investors to be very keen.