Investment And Financial Management In The Era Of Negative Interest Rate And Pay Attention To The Allocation Of Reasonable Assets

Since the beginning of last year, the central bank has increased interest rates four times, including two interest rates this year. The current one-year deposit rate has reached 3.25%, but facing the high inflation rate, it is still in the era of negative interest rates.

So, how to invest well and overcome it.

1, financial products: investment period is short, not long.

Every time the interest rate rises, banks will be queued up and customers will have to re deposit.

By comparison,

In this context of high prices, tight macroeconomic regulation and tight market liquidity, compared with equity and bond funds, the liquidity of money market funds is the best, which is comparable to current savings deposits. Generally, 2 to 3 working days can be accounted for and the redemption fee is waived.

Money market funds mainly invest in short-term financial instruments, such as treasury bonds, financial bonds, central bank bills, short term financing certificates with high credit rating and bank time deposits. The investment cycle is short and the cash ratio is high. They can grasp the investment opportunities of interest rate changes and short-term trading varieties in a timely manner, plus the active paction of IMF managers and get excess returns.

3, insurance: two guarantees for investment protection

The level of income can be increased as interest rates rise, and the universal risk is also a good choice.

If we only talk about profitability, dividend insurance and universal insurance may not be able to compare with other investment channels, but the characteristics of "protection + investment" are unmatched by other products.

Insurance companies have launched many new products, providing protection while helping customers resist inflation through various investment channels.

However, due to the longer duration of the insurance policy, there is a certain liquidity risk.

Customers must invest the spare money which is not used for a long time, and it is best not to surrender the insurance halfway, so as to avoid unnecessary losses.

4, fund: focus on partial equity funds.

Although there are still many structural opportunities in the market, the overall trend of the A share market this year is still full of uncertainties because of the bad policy such as raising interest rates, raising the deposit reserve ratio and tightening the capital market.

For investors who are difficult to grasp stage structure, structural opportunity and bad operation stock, borrowing funds from partial shares is also a good choice.

Customers with weak risk tolerance can choose funds to invest and deposit funds into fund accounts through regular small amounts, so that market risks can be dispersed.

Bond funds are still worthy of attention for investors with low affordability.

5, gold: the core value lies in hedging.

Taking gold as an integral part of the investment portfolio is conducive to reducing the overall risk and improving the efficiency of asset allocation.

Gold, as a hedge against inflation, will continue to be popular in a period of time. The kinetic energy that gold prices continue to rise still exists.

However, the core value of gold lies in avoiding credit risk, because gold is not a credit asset.

In individual household asset allocation, both stocks, funds, financial products and even savings deposits are credit assets.

Such a structure can not withstand the test when dealing with systemic risks. High-end customers should be allocated 10% to 15% of physical gold assets.