Investment Should Be Like "Buying And Selling Clothes".

Another "women's Day" has arrived. With the improvement of women's economic ability, women's financial management has also become one of the key marketing areas of individual retail services of financial institutions.

Banks, insurance and funds have launched exclusive financial plans for women.

Look at the low risk market that women white-collar are most concerned about.

Bank financing once won the annual value preservation and financial management product in 2011, while the bank's storage and storage war also directly promoted the gains of such products. The annual yield of short-term products over 5% is not unusual.

For example, Shanghai Pudong Development Bank (600000, stock bar) launched a 3 - 8 women's day in 2012.

"Ladies' day exclusive financial management plan", the product period of 182 days, the expected annual yield of 5.65%, the risk is small.

It is reported that the exclusive financial plan is available from March 6th to March 12th and can be subscribed at any point of Shanghai Pudong Development Bank or through online banking.

As the champion of financial management in 2011, bank trust and financial management firmly seized the money pocket of women's risk aversion by more than 5% of their annual profits.

Looking at the 2012, in view of the regulatory requirements for ultra short term products

"Ban", it is estimated that the issuance of ultra short term financial products under the investment period of less than 1 months in 2012 will continue to slump. Its replacement will be 1 months to 3 months' short-term products and regular financial products that can be redeemed regularly.

However, for busy female white-collar workers, this is good news. After all, no one has the energy to remember the weekly maturities of funds, and is busy looking for "home" for their assets.

Everbright Bank (601818, stock bar) financial advisers suggest that if you are not ready to buy a car or buy a house immediately, you can boldly buy more than one year's trust and financial products.

For example, after the Spring Festival, a number of bank financial products have been distributed together. The investment period is more than 1 months, and the yield is about 5%.

In addition, there was a further upward trend in the volume of robust structured products linked to exchange rate and interest rate in 2012.

This year, Beijing, Shanghai and other cities are expected to enter the baby boom. The population and Family Planning Commission of Shanghai predicts that the number of births in 2012 will reach 180 thousand, and the "dragon baby", born in the millennium of 2000, will reach its highest peak in 12 years.

With the advent of women's day and the expectation of "dragon child dragon", more and more expectant mothers will turn their eyes to insurance. Do they want to buy or buy insurance? The insurance experts of Allianz China have told reporters that there are many products in commercial insurance that provide prenatal protection for women. The coverage of such products often covers the fetus, so it is often referred to as "maternal and child insurance" or "maternity and child insurance".

"As the exclusive insurance for pregnant women, the characteristics of maternal and infant insurance are to provide protection for some female pregnancy diseases and neonatal congenital diseases, such as diffuse vascular coagulation, extrauterine pregnancy, choriocarcinoma and malignant hydatidiform mole, such as congenital hydrocephalus or cleft lip."

China and Germany Allianz Insurance experts remind the mothers to pay special attention to the need to pay attention to the "waiting period" of insurance when choosing maternal and infant insurance.

The waiting period, as the name implies, is that the insurable interest with a waiting period will not come into effect until the end of the waiting period, and the insurance company will only refund the premium during the waiting period, and will not pay according to the insured amount.

The waiting period of pre maternity insurance products usually varies from 30 days to a year. If the insured mother is insured for a 180 day mother to child insurance at the time of 5 months of pregnancy, the insured will not be able to enjoy the insurance coverage during the rest of pregnancy.

Therefore, mothers must carefully understand the insurance terms, according to their physical condition for insurance.

As the role of modern women in family and society has been greatly changed and promoted, it is necessary to face challenges in different stages of life, and to strive for the realization of ideals. All these require healthy body and positive mentality.

In addition, women's unique physiological periods of pregnancy, parenting and menopause bring special health risks.

Wait till you get sick and think of insurance. It's definitely late.

For women who have not yet been married, there are generally stable sources of income and family responsibilities are increasing.

In addition to basic accidents and periodic life insurance products, priority should be given to major disease protection.

At the same time, we can consider old-age security appropriately according to our own situation.

In addition, single mothers should support their families alone, support their children, and have more responsibilities, so the protection should be more comprehensive.

Basic accident insurance, regular life insurance and major disease protection are essential.

At the same time, we should also save an educational fund for our children when we have the ability to get the source of the economy, so that children will not be able to accept the education they need because of the cost.

Shanghai female white-collar workers are famous for their hard work, but they are either brave or moonlight when they spend money.

Efforts to make money, but also to spend money, and in favor of women's investment products, in addition to bank financing, there is also a major product is the fund.

At the beginning of the year, the major fund companies sent "investor letters" to their holders. However, because of the heavy losses last year, almost all of them became letters of apology.

A more interesting phenomenon is to take stock of fund performance last year, and those companies with less marketing expenses are doing better than big advertising funds.

"Therefore, in the year of dragon management, you should be in the" mix and match ", and take different risk investment tools according to the risk preference, so whether or not the stocks are going up or down, they will be able to retire completely.

Shanghai Pudong Development Bank's financial planner said.

How did you buy the fund in 2012? According to the researcher of the time fund, the principal for venture capital does not recommend too much investment. After all, it is not conducive to physical and mental health to throw all the hard work years of savings into the uncertain investment market.

When choosing products, because 2012 years do not exclude the possibility of reducing interest rates, it may be better to configure some bond funds. In addition, as the stock market is at a low point, it is also possible to free up some funds for equity funds to gain profits.

Remind women who want to fight for high returns will still have to take the lead in this year. Although the stock market has recovered slightly in recent years, the high-risk market is still unpredictable. It is suggested that when buying stocks, it is also possible to create a family capital portfolio with proper allocation of bonds, bank financing and other relatively sound financial products.