Improving Liquidity By Financing And Raising Capital
Family assets need adjustment
First of all, from a macro perspective, with the pformation of the economy, it will be difficult to continue to rely on investment to drive land prices, thereby driving up housing prices and economic prosperity.
Secondly, with the influence of various macroeconomic regulation and control factors such as the purchase of upper limit, interest rate increase and property tax, it is difficult to obtain high profits from investment in real estate.
More crucial is that once the property's "wealth effect", "
Money making effect
"Weakened or even disappeared, then the flow of property will plummet.
According to the readers we have received over the years
Family finance
According to the situation analysis table and the various family situations that come into contact with the interview process, the proportion of assets in fixed assets (mainly residential real estate) is often up to 70% or even 80% or 90% unless the house is not purchased. The proportion of financial assets with strong liquidity is often low.
But if we really go in
Stagflation period
Then, when the economy is depressed, it will be useless for you to hold more houses, because the mobility of the property will be very poor. It will be more difficult to turn the property into a currency and turn it into all kinds of funds needed for real life.
And many times, you may be a good middle class, or even a "little rich man" in other's eyes. But if you check your family assets, you may find that your family's financial situation is hidden.
So, take precautions, from now on, everyone should take care of their own family assets structure. If the ratio of fixed assets is too high and the proportion of mobile assets is too low, we should pay attention to the gradual adjustment.
{page_break}
Emergency reserve fund
In addition to increasing the overall liquidity of household assets, we should also remind you to set up a family emergency fund.
This family emergency reserve is usually reserved in the form of the most liquid demand deposits or money market funds.
It is recommended that the general family, the family emergency fund is about 3~6 times the monthly household expenditure.
If family debt ratio is particularly high, this reserve index should also be increased.
The money can neither be saved nor taken to casual consumption.
With reserve funds, it is a "safety valve" for its family finances.
Once there is temporary unemployment or temporary disruptive expenditure, the safety valve can be temporarily "urgent", which will not make daily life suddenly become strapped or even difficult to cope with, and to a certain extent, it can reduce family financial risks.
In addition, it is particularly necessary to remind one more thing, because in the current workplace, the number of vacancies in higher vocational institutes is relatively small. If the executives of enterprises are active or passive unemployed, it is more difficult to find a job comparable to those of previous positions and salaries.
If you are a high-income and high position person, the family emergency reserve fund is best able to store up to 12 times the daily household monthly expenditure.
{page_break}
Look for more benefits
High liquidity assets can sometimes be obtained through some investment means to obtain a more objective level of income.
Obviously, it is much more obvious to take the initiative and invest more actively than passive ones.
If there are more liquid assets in hand, individual investors can also try the reverse repurchase operation of treasury bonds.
According to the provisions of China's securities market, only institutional accounts can be used for treasury bond repurchase operations. Ordinary individual investors can only reverse repurchase treasury bonds, that is, lending their money to market institutions to obtain certain interest income.
To put it simply, the essence of reverse repurchase is short term loan, that is to say, individuals borrow their funds through the Treasury bond repo market and get fixed interest income.
And the repurchase party, that is, the borrower uses his treasury bonds as collateral to get the loan and repay the principal and interest after maturity.
In operation, the reverse repurchase of treasury bonds is also quite convenient, without the need to pfer funds to bank accounts, and can be traded directly in securities accounts.
In fact, treasury bond repurchase rate is closely related to the supply and demand of capital market.
We can see that at the end of every month and the end of the season, the repo rate of treasury bonds obviously jumps.
Usually, this is also the time for banks to hold high interest rates, and the demand for funds in the market is large. At this time, the reverse repurchase operation of treasury bonds is carried out, and the rate of return is often higher.
For investors, mastering these rules will yield a higher return than the temporary pfer of funds to banks.
- Related reading
Group Buying Financial Products &Nbsp; Sugar Coating May Be Wrapped Up In "Risk"
|- Design Frontiers | Coexistence Of Utility And Style
- Design Frontiers | Benetton Group FABRICA Takes Part In The Fifty-Fourth International Art Biennale Of Venice
- Design Frontiers | Nike In Hua La DA And Adi Gap Campaign Brand Second Tier Market
- Design Frontiers | All Customers Push The Free Mail Promotion Campaign Again.
- Web page | Wuhan Jin Hao Limited Has Won A Good Start At The Qingdao International Exhibition.
- Web page | Special Machinery: Beyond Traditional &Nbsp, Achieving Win-Win Situation
- Web page | Emma CNC: Deep Plowing North China, Promoting Industrial Upgrading And Pformation
- Web page | Win Dali Machinery: Local Combat &Nbsp; Advantages Outweigh Disadvantages.
- Web page | The First Day Of The Exhibition Is &Nbsp; Zhejiang Enterprises Start Off Well.
- Footwear industry dynamics | Shoes And Clothing Enterprises Floating Workers Lose Their Past Elegance.
- Ladies' Brand Discount &Nbsp; Hai Jia Shi's Charm And Dedication.
- Clever Buy Financial Products And Inflation "Race"
- CHIC:三點水童裝穿越“中國風(fēng)”
- Fashion Age SSND, The Embodiment Of Women'S Clothing Personality And Fashion
- Beijing Allows Private Enterprises To Use Their Own Land To Build Public Rental Housing.
- Beijing Yansha Famous Cabinet &Nbsp; Spanish National Treasure LOIS&Nbsp; Levy Eight Distribution Areas Nationwide
- "Rational Stone" Becomes The New Favorite Of Investors.
- JNRJ Women'S Clothing Brand Fashion Style Fashion Brand Clothing Leading Fashion Trend
- ST皇臺易主后巨虧 大股東或有動作
- Fashion Is Life.