The Five Big Secret Recipe Comes To Teach You Easy Money Management.

"May 1" small holiday, tired body and mind should enjoy spring sunshine, rain and dew, to recuperate. Or backpack hiking, or sleep or wake up, or friends and family reunion before action, come to the body, to make a comprehensive physical examination of the assets, let us relax the high tension of CPI nerves, find their own holiday "Qianjin Fang", with a relaxed mood to appreciate the complex and warm yang. Check the purse and find out the "gold coin" suitable for family financial management. TCM prescribe various kinds of care for you. prescriptions worth a thousand ounces of gold Each has its strong points and each has its own specialties. In the belief of Chinese medicine pills, there are five flavors of money management.

1 green tea -- bank financial products

[King's characteristics] refreshing and refreshing.

[yield] at present, the yield of one year banking financial products can basically reach 5%-6%, which can basically resist the current CPI growth. Just like early spring green tea, refreshing and elegant, resistant to disease and refreshing.

[experts]] as the country is raising interest rates, it is expected to increase interest rates several times during the year. Therefore, idle funds are best for short and medium term bank financial products. at present Short term financial products Even longer than the long term financial products, such as the Qingming Festival this year, many banks issued only 3 days of financial products, while the expected annual yield is over 4%, high even to 6%, and the same year financial products, but liquidity is far stronger than the latter.

Another kind of financial product is easy to be ignored by investors, that is, foreign currency financing products. Since April, banks have launched a steady yield foreign currency financial product with an annualized yield of more than 5%, mostly Australian dollars. According to the Pyramid theory of asset allocation, bonds and insurance accounts for about 40% of a family's financial planning and is suitable for long-term holding. For the products at the bottom of Pyramid, financial products are undoubtedly the most suitable ones.

[resistance] the products can not be withdrawn in advance and the liquidity is poor. If you need to withdraw at any time, and require stable returns, you can choose ultra short term financial products. For example, the financial products of Pudong Development Co., Ltd. are more convenient and the annual yield is expected to reach 2%. {page_break}

2 Six Ingredient Rehmannia pills - Fund

[Qian Jin Fang Characteristics] warm supplement harmonization, disease is suitable

[earnings] at present, people who participate in the stock market have a wide range. Obviously, their high risk and high return are good medicine to deal with high CPI. But at the moment, the stock index has been hovering around 3000 points, and it is difficult to "nugget" from the stock market. In the view of medicine balls, compared with the stock market of "earning two flat and seven loss", it is still more suitable for the stock market with low entry threshold, simple investment operation, and the advantage of expert financial management and risk diversification. Just like the six ingredient of Rehmannia Pill prescribed by Chinese medicine, it is suitable for many diseases.

[expert weapon] if the "election base" is chosen correctly, there will be a stock like profit, and the risk will be much smaller. At present, it is more likely to choose a growth fund in the market. Since the ranking of open funds in 2003, except for those who won non growth style funds in 2007 and 2009, the other 6 growth funds have won the performance championship. Investors may be able to borrow growth funds to fight inflation, and focus on investing in fast growing industries, a leading growth equity company with a leading growth equity fund.

[resistance] in an economic cycle, the fund must be voted to avoid "changing from time to time" and blindly choose funds with better performance.

3 wolfberry - Insurance

[gold standard] good kidney, good health.

The core idea of insurance products is risk protection, not investment, which can spread risks. It is not meaningful to buy insurance if we are making money. Anti inflation can be the first choice of insurance products, and the bonus type is better, mainly used to protect future children's education gold, marriage gold, venture capital, pension and health insurance payments.

[expert advice] new life insurance financial products have the ability to resist negative interest rates and anti inflation, such as dividend insurance, universal insurance and investment linked insurance. Dividend insurance is a long-term product which is mainly based on protection and supplemented by income. Dividend distribution is relatively stable. Time deposits and bonds are usually the main body of investment in such products, and the general direction of investment will not be affected by interest rate hikes or interest rate cuts. Universal insurance provides a more positive and flexible dividend distribution while providing protection. The settlement rate of universal insurance includes two parts: one is the bottom interest rate, the other is 1.75%-2.5%, the other is floating interest rate, floating interest rate is mainly affected by the interest rate cycle, and it also reflects the level of investment income of each insurance company. The risk of investment linked insurance is bigger and the profitability is stronger. Investment linked insurance applies the concept of FOF, which is "fund in fund" and can replace fund.

[drug resistance] dividend insurance products can mainly be used for future endowment insurance, children's education, marriage, entrepreneurship and other purposes. The key is to recommend the national life insurance system (bonus type), and the products can be returned to life, Zhu Shoujin, dividends, insurance policies, and high security. {page_break}

4 bird's nest - Gold

[gold standard] fill in the best, do your best.

[earnings] this year, under the inflation background, financial products with the concept of hedging and hedging are selling well, and gold, as a traditional tool against CPI, is popular. But for most ordinary investors, gold investment is like a bird's nest in tonic products.

[expert]4 20 months ago, international spot gold prices exceeded 1500 yuan mark, many mainstream institutions still continue to see more gold after market, experts pointed out that although short-term gold prices may fall, but in the long run, gold prices will continue to rise slowly based on the stock gold supply shortage, global liquidity, the financial and debt crisis that has not yet ended, geopolitical conflicts and other main factors.

Out of Resist inflation Hedge investors need to consider gold as a long term configuration. There are five ways for ordinary investors to invest in gold in China: physical gold, paper gold, gold stocks, gold futures and gold funds. In contrast, the gold fund can absorb the advantages of all kinds of gold investment products through professional financial management, and has the advantages of low rate of public offering fund and good liquidity. And, like the gold fund of Yi Fang Da, the fund with initiative position control and stock selection function can also avoid risks when gold price falls, and enlarge the profit of gold stocks through the high elasticity of gold stocks when gold prices rise. In physical gold, a spanaction cost is 6%, and the gold fund is much lower, for example, the total cost of the gold fund is only 3%.

[resistance] to choose different gold channels, we should give full consideration to risk tolerance and liquidity of assets. In addition, regular deposits of gold, such as fixed investment funds, and accumulating average income and risk reduction over a long period of time, have become a new hot spot for investment in gold, with emphasis on ICBC's "deposit fund". {page_break}

5 honeysuckle bonds

The golden delicious recipe

[earnings] compared to bank deposits, bonds are also better varieties of anti inflation. There are mainly two ways to invest in bonds: one is to subscribe when the bond is issued, and the other is to trade in the two level market of the bond. Because the market trend is constantly changing, the latter has more uncertainties, while the former proceeds very stable, and the certificate and electronic savings bonds belong to the former. In addition, more investors like to use bond funds as an important way to resist inflation. This is just like the honeysuckle with minimal risk. It is no wonder that it was caught in SARS epidemic.

[expert weapon] under the influence of a substantial increase in interest rates, the first term treasury bond interest rate of 1 years is 3.45%, the 3 year interest rate is 5.18%, and the 5 year interest rate is 5.75%, up 0.6, 0.93 and 1.15 percentage points respectively from the end of last year. Since the central bank raised the deposit rate in April 6th, the issuance of electronic government bonds in April 15th was 0.25 percentage points higher than that in March. The 1 year interest rate is 3.70%; the 3 year interest rate is 5.43%; the 5 year interest rate is 6%.

The zero risk of national debt is very suitable for the elderly. For investors seeking steady returns, bond funds can be chosen to effectively combat inflation. This week, the China sub fund, which operates nearly 6 years in the China fund, will spanform from the account management to the open fund. Investors who need to adjust their asset allocation before the festival can focus on it. The fund invests in "high credit class" bonds such as treasury bonds, central bank bills and so on. It is a passive investment index fund, which is equivalent to a quasi 5 year treasury bond that will never expire. The fund class C holds no redemption fee for 90 days. Investors can redeem funds at any time and enjoy the proceeds of treasury bonds.

[resistance] in the case of economic contraction, stock market fall and interest rate downtrend, the fund will perform well. If the financial crisis happened in 2008, the fund's iBoxx index will yield an annual return of 12.65%. Conversely, when the stock market is strong and interest rates rise, the net value of the fund may decline. Investors buying sub debt China bond funds can complement each other with stock assets and balance their investment risks and benefits.