Investment Winners: Not The Highest, But The Most Stable.

At present, the total number of A shares listed in Shanghai and Shenzhen two cities is 2880, and 1100 stocks, or 38%, have fallen or more than half since the stock market crash.

"The stock market has been far away from the" dog and dog ascend to the sky ", and one day your turn is booming. In the future, with the significant differentiation between stocks, although the stock price of some stocks has risen to the price of 5178 points at the moment, for most investors, the stock in hand will take many years.

Commentators admitted.

Ms. Shaw has been deeply involved in the stock market for many years. However, she did not greedy, nor did she make a "stock" bet. The earnings were promptly lost, and the principal stopped in time. It not only made her dodge losses, but also gained a steady income.

At the end of last year, under the active operation of Ms. Shao, the loss fell to less than 10%. She converted all the capital stock into a fixed income financial product.

"At that time, the annual yield of half a year is 12%, and the products will expire in a few days, which basically can make up for the loss in the stock market," Ms. Shao said. Later, with the change of new rules, she would invest more money into financial products.

It is understood that the average revenue of fixed income financial products sold on the market now is around 4%, compared with over 6% last year.

In addition, the revenue of some trust products has dropped from about 12% last year to about 8% now. Insiders say that if the "hedge" is in time, a conservative estimate is that this year's earnings can be maintained at 7%-8%, with better operation and higher returns, compared with the decline of more than 45% of the stock market.

Rational investment and decentralized allocation are the golden rule of financial management. It is also the investment concept advocated by the 178 financial club.

In April last year, the Shanghai Stock Index stood at 4300 highs, and the 178 financial Club investment management salon said it should "make good allocation of assets and keep grain for the winter". At the beginning of June, after a 5.28 plunge, it was immediately proposed.

"Asset allocation is very important, diversification of investment is more reasonable".

Mr. Wang's investment experience was in line with the idea of the club's promotion. He spent two large sums of money from the stock market in May and September last year.

"In May, the harvest was at the highest level, and in September, though it was reluctantly giving up, it was still worthwhile to follow the trend of the stock market."

Mr. Wang has pformed the two funds into 3 months' products. His investment idea is to match the long term and short term investments and to diversify the investment. Besides the reliable fixed income products, he also invested in trusts, public private funds, and so on.

And so on.

"In the past year, 178 financial clubs recommended financial products with government background and state owned platforms. The benefits are not the highest, but stability is the key."

Club Xiao Zheng said that the club also instructed members to overlap in a short period of time and support multiple platforms without placing the eggs in the same basket.

According to the insiders, the investment should be diversified according to the individual needs, and the investment portfolio can be set up. Among them, the steady investment can be allocated 40% of savings and insurance, 20% of fixed income management, 20% of stock investment, and 20% of gold and foreign exchange.