Investment And Financial Management Should Avoid Capital &#34 And &#34.

Investment and financial management should be "three look": first, look at risks; two look at the yield of products; three, look at the duration of investment, and combine their own liquidity needs. The liquidity of the company is matched with the investment period of the financial products, which is like putting the different money in the most suitable basket to produce the best investment income. Generally speaking, the shorter the investment period and the larger the liquidity, the lower the profit will be; the longer the investment period is, the worse the liquidity will be and the higher the return will be. Investors should combine themselves. Risk bearing capacity And financial liquidity needs, and configure financial products with different maturities. For example, the IMF can be redeemed at T+0, which is suitable for investors with high liquidity requirements. And stock funds often need a certain time, usually "winter sowing and spring harvest" is more conducive to profits. The structural characteristics of the stock market are obvious now, and the overall valuation is low.

Yi Xin's wealth also provides different maturities. Conduct financial transactions The service mode is for the public to choose. "Monthly interest" returns monthly earnings, the monthly yield of more than 0.8% per month. The "fixed term loan" is divided into 3 months, 6 months, two months, with an annualized yield of 7%~8%. "Full moon" is short-term financial management for a month, with an annualized yield of 5.6%. And " Regular treasure "The time limit is 1~12 months. After the expiration, the funds will be recovered once and for all. In the past, the annual yield is 6%~10%, the longer the investment period, the higher the expected return. A perfect combination of various maturities and yields to meet different customers' investment habits and financial goals.

It is suggested that fortune China should invest in installments through the way of funds, and it can also accumulate a lot of revenue after a certain period of time. For example, at present, the A share index is at the bottom of history, while the expectation of SOE reform is strong, and the effect of economic transformation and upgrading will gradually appear. For the first time, we can not invest too much money. We can use several years' time to invest in the CSI 500 index fund launched by Yixin, which will save time and effort and enjoy the gains from the rise of A shares.

In addition to configuring financial products with different maturities, he further reminded investors to pay attention to the convergence of the financial management cycle and avoid letting the diluted investment profits in the neutral period. According to him, the quality financing projects of the well-known Kun Fu partners recommended by fortune should be "spike" on line, and the queuing of investors is very common. Therefore, the "man Ying Po" business jointly launched by Boshi fund and Yixin has been launched. The business is to provide wealth management tools to customers to help clients to manage cash flow and avoid the phenomenon of "standing guard".

Many people know the secret of compounding: the accumulation of capital and compound interest can bring about sustained growth in wealth. Investment and financing is a process of "money generating money" in a period of time through proper asset allocation. Wealth management is largely an art of time management, with products that are suitable for investment periods, as long as possible to avoid financial gaps, and to choose the investment way that meets their own needs in order to achieve greater benefits.