7, The Annual Rate Of Return And Bank Interest Rates Are Not Clear.

The 7 annual yield rate seems to be infinitely tempting, as if it were saying, "buy me and make money."

This also makes some minority Internet financial products start using such a "blind eye".

This kind of "financial trap" is full of web pages and is full of people's nerves.

There is nothing wrong with wanting to earn some money, but the premise is to understand what the "rates" are all about.

There is a word which has to mention "7 day annual yield".

The 7 day annualized yield is the annual yield of the Monetary Fund over the past 7 days.

For example, the seven day yield of a monetary fund displayed on the day is 3%, and assuming that the Monetary Fund's income in the next year will remain unchanged for the first 7 days, then holding a year will yield 3% of the total income.

Of course,

The daily returns will vary with the operation of fund managers and the fluctuation of money market interest rates. Therefore, it is unlikely that the fund returns will remain unchanged for one year in practice.

At present, the 7 day anniversary of all kinds of "treasure"

More than 4%, as a cash management tool with good liquidity, it can be used as a substitute for short-term savings.

However, if as a long-term bank deposit, just to "Norwegian nest", which more where to go, we should be careful.

For ordinary users, stable

It's the kingly way.

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Liang Hong: I think this year we look forward to a very high level, one is the reform of state-owned enterprises, right? In fact, local state-owned enterprises have done a lot, but at the national level, the big reform plan, a few timetables are pushed back a bit, right?

As we said last time, two markets, 2/3 of the heavyweight stocks are state-owned holding enterprises, this is one.

Personally, I still look forward to the reform of the capital market system.

This is also the last time I talked about why there are so many problems in our stock market, for example, some recent rises, we are all very upset. What is lacking in this system?

First, lacking institutional investors and institutional investors, I think what we most expect this year is the reform of China's endowment insurance.

That is, you need to have a long-term institutional investor in China.

Last time we talked about Shanghai and Hong Kong, that is to say, importing institutional investors, right? But later it was discovered that China is not bad money. We do not need the PLA to save us. We can save ourselves.

But if they are all retail investors, and some of them are leveraged, this is not a way of investment. This is speculation.

I bought it today, and I will find someone else to sell it tomorrow. It is not like some professional investors we want to do for a long and steady income.

The experience of all countries in the world has proved that the most important stabilizer in this market is some old age insurance funds. The construction of China's own endowment insurance system should be very, very lagging behind. Therefore, I think the impact of this on the whole market will be far greater than that of Shanghai, Hong Kong and Shenzhen this year.

Second, I think that this investor, fund side of this reform, I think we have seen.

In the past, we were all public funds, and we all criticized that the public funds seemed to be different from those who gave money to the managers. It was the money they managed to get, so he took all that money, right?

A great reform in the year before last: the implementation of the fund law has made many private equity funds, or non state owned funds, come into being. Their interests and incomes have begun to become more and more consistent.

So I think the reform here is already happening. Everyone is talking about what to raise under the sea. I think this is also very important. The Chinese are not stupid at all. They are no worse than the outside. If you just do the work well, he knows the same thing. What should he buy?

Third, I think it is very important for us to talk about this year's registration system. If you really want to do the registration system, you have to open it at the supply side. For example, the stock market is very good now. Why not issue it? Why not make the enterprise more financing?

In this way, corporate financing will return to the entity. Our economy can be circulate one way, and do not have to worry about the excessive rise of stocks.

So, if we really want to go to the registration system, there is also a very important guarantee, that is, there should be a real punishment for all illegal activities, whether it is false information, the business side or some participants, including the blow of insider information.

Right?

I remember, many years ago, as if the leader had said that it is necessary to increase property income for the Chinese people, how can we set up rules, and how can we let him give such a diligent and willing to save the nation that China can have a better long-term return.

If this is done, I think we will see some germination in the construction of these systems. I think this year is probably the most important implementation year.

Just now, the most important thing is the construction of an endowment insurance system. One is the real registration system. The registration system has both the issue and the marketization, and the other regulation is back to the regulatory position.