It Is Crucial To Win CPI By Managing Money

In April 15th, the National Bureau of statistics released the relevant macroeconomic data. In March, the consumer price index (CPI) rose by more than 5% over the previous general forecast, reaching 5.4%, reaching a 32 month high. In the first quarter of this year, CPI rose 5%, reaching a high level in recent years.

Although the central bank has been raising interest rates for 4 consecutive times since October last year, the current 1 year deposit rate is still only 3.25%. Compared with the current CPI, the negative interest rate is still serious.

Chen Yang: investment adviser of Shenzhen branch of China Merchants Bank

Investment should maintain a normal mentality.

This round of inflation in China mainly comes from two driving forces: one is the imported inflation pressure brought by China's central bank's excessive development of the central bank after the subprime crisis, and the other is the cost push pressure caused by the low end labor force entering the fast rising channel.

It can be predicted that inflation will remain at a medium high level for a long time to come.

Investors want to win.

Also, investors can adopt passive investment strategies.

Because inflation is accompanied by a risk-free rate of return, that is, the interest rate of banks is raised, investors can invest in bank financing products linked to interest rates or invest in floating interest bonds issued by state departments and enterprises through indirect and direct channels.

Generally speaking, investors should not ignore the long-term depreciation pressure brought by inflation on their assets. The initiative and passive anti inflation investment strategy is worth thinking and constructing as soon as possible.

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Liu Zhongbin: Pudong Development Bank Shenzhen branch wealth management department

Three major financial strategies under inflation expectations

Under the expectation of inflation and interest rate increase, individuals and families can consider financial strategies from the following aspects:

First, we need to match products with different maturities.

Generally speaking, the shorter the deadline, the lower the expected revenue of the product; the longer the period, the higher the expected revenue of the product.

Short term money, bills or bonds under a year's financial products will be lower than expected and the expected revenue from bonds, credit or trust over one year will be significantly higher.

To resist or overcome inflation, we need to invest in products with a term of more than one year or even longer.

Second, we must establish a combination of anti inflation products.

Different products have different maturities, risks and revenue characteristics. By setting up a product portfolio, they can win inflation relatively safely, while meeting the requirements of funds in terms of time and risk.

Monetary products, such as money market funds, are relatively low in income but relatively determined to meet high liquidity demand and to a certain extent resist inflation. Bond products are generally affected by inflation expectations and interest rates will go down. They can choose bonds linked to inflation or short term debt products which are less affected by interest rates. Portfolio products must also be included in equity products or direct investment stocks in funds and securities portfolio products. The risks are high but the expected returns are even higher; the larger scale customers can also appropriately configure precious metals or other physical assets such as gold and silver.

Finally, we should combine our own situation.

Different people or families have different risk bearing capacity and risk preference. They have different investment scale, capital use, investment duration and expected return requirement, and investment experience, time and energy are also different.

How to match product mix depends on the specific circumstances of individuals and families.

For example, the pension funds of young people may invest in longer term stock fund products, while retired old age pensions should focus on investment in bond products; those with low risk preference will mainly consider capital preservation products or bond products; those with high risk preference can invest in stocks and stock funds; those who have no investment experience and time can choose different types of fund products to establish portfolios, and those with experience, time and energy can choose different currencies, bonds and stock products.

Wang Hui: Business Director of AIA Shenzhen branch

Winning CPI is not just seeking financial products with high potential earnings.

In the era of negative interest rates, investors should pay more attention to financial management.

Only by using reasonable asset allocation can we effectively prevent wealth from shrinking and help investors achieve their financial goals.

Winning CPI is not simply seeking financial products with high potential earnings.

The moment of truth is equal to risk and income.

It is suggested that investors should diversify their assets according to their own risk tolerance and never place them in the same basket.

Real estate investment pays attention to lots, lots or lots, and investment and financial management should be configured, allocated or allocated.

Guarding refers to bottom fund savings, insurance, long term fixed investment funds, fixed investment, government bonds, and aggressive investment in stocks, futures and real estate markets.

The recommended investment ratios are: Bank savings 10% to 20%, insurance 10% to 15%, stock funds 30% to 40% (determined according to age risk preference), and others according to their expertise 20%.

I think it is very difficult for Chinese real estate to go up to a new high level, because after all, the whole world is tightening monetary policy. The whole world's financial environment will not be so loose, and the possibility of hot money will ebb away.

In the long run, if we all use real estate investment as an old-age and financial tool, there will be risks and uncertainties when cash is realized at a high level or if we expect to achieve the expected return.

And speculation is probably one of the investment channels that may outperform CPI now.

However, the risk of non professional stocks is relatively large, so we should take the following three strategies: first, the average investment method is used in fund stock investment, that is to say, each fixed time will invest the same funds and sell when the market value exceeds the average purchase cost; the two is to ensure the security, arrange the purchase of insurance products suitable for their own health care and pension, and so on, three is to invite experts to manage their finances.