Stock Market Situation: The Serious Shrinkage Of Old Stocks Has Greatly Exceeded The Initial Income Of IPO.

As a "dead bull" and "China's last dead bull" when the stock market has dropped to 1664 and 1849 points, it can hardly be sung at the moment. How to invest and manage money, we can take care of household savings in the context of no fundamental change in the stock market policy.

1, first of all, continue to improve living conditions, conditional friends can change to a larger, better environment of the house, can re decorate the old house, should replace the latest household appliances, enjoy the new achievements of human civilization development! In short, savings are first used in their own "home"! Even if you like the "hard and plain living", you should let your family have a more comfortable, hardware equipment has not been eliminated by the times living environment.

Of course, if you still have the conditions to buy another suite of "plan", buy "real estate" in the future "move", this is considered a better medium and long-term investment.

"Home" is not only refers to the house, home before the house is best to have a piece of land, "have room and land" is a complete "home"! In a sense, "there is room and land" is us.

The ultimate goal of financial management.

At present, the houses in the city are becoming more and more expensive, while the houses in the suburbs are relatively low.

I have a famous saying: "the houses in the suburbs will only get closer and closer to the downtown area." there is a "Xiong an new area" in Beijing. Lao Sha also wishes your family to have a "New District".

2, eat, eat, drink, drink, play and play, the consumption on consumption.

Life is too short to enjoy it! 30 years ago, we had to save two or three years to buy a 12 inch black and white TV. Now even a month's pension is enough to buy a large LED color TV on the wall. Now you save money and save money for your children and grandchildren. They will earn enough money for your life in the next month.

Houses can be left to future generations, jewelry can be left to future generations, celebrities, paintings and other collections can be left to future generations, do not give money to future generations!

Suppose that you used to have only twenty thousand yuan, and if you want to spend ten thousand yuan on traveling, you will have to spend half of your deposit. You certainly do not want to. Now your family financial assets (including real estate, etc.) have three to five million, or not so much, maybe more, travel with ten thousand or twenty thousand yuan, just use a small part of your property, one percent less.

Go and travel around the world, take the people you love, and go wherever you want to go.

It should be pointed out that in the category and concept of consumption, charity is the greatest "consumption".

3. Exchange dollars.

The State encourages "remittance to the people" and the US dollar is the most reliable capital in the world.

Our government has the largest number of US Treasury bonds.

Therefore, we ordinary people according to the state "50 thousand dollars per person per year" provisions in exchange for the dollar is understandable! After changing into US dollars, it can be deposited in the bank, or it can buy US dollar financial products issued by banks. The bank dollar class financial products are usually one year, and the annual interest rate can reach more than two percent.

Of course, no one can control you at the bottom of your own house.

The US dollar is in the trend of increasing interest rates, and the strength of the US dollar can not be shaken at the moment. The superiority of changing into US dollar will become more and more apparent over time.

In particular, there are children and grandchildren in the family who want to go abroad to study in the future. Now we should prepare for the rainy day and prepare enough education funds for the future generations.

4, buy bank financial products.

The annual yield is generally 4.5%, which is much higher than the fixed deposit 1.5% interest rate in one year.

My advice is: first, we must go to the bank to buy; two, it is best to buy five kinds of risks (divided into five categories, one type of risk is the lowest, the fifth category is the highest risk, high risk and high yield). In the past two years, none of the two risk banks has "lost your capital". The annualized rate has recently been bullish, and some have broken through the annual interest rate of 5%, that is, deposit 1 million yuan a year and have a fifty thousand yuan interest rate.

The defect of buying a bank financial product is that it can not be purchased in advance and cannot be withdrawn in advance. Therefore, you can buy more than one pen, just like you decide to buy 1 million yuan of financial products altogether, buy 50 in case of 300 thousand months, and 200 thousand and 40 days.

5, buy treasury bonds.

The annual interest rate of treasury bonds is generally 3%, and the 5 - year treasury bonds can reach more than 4%.

The national debt is the state's gilt bond as a credit guarantee, of course, it is quite safe.

The national debt can be withdrawn in advance, but it will be lost by half a year's interest, so you can also break up the whole lot and buy a few more. It's like that you are going to buy 1 million yuan of treasury bonds altogether, buy 50 thousand five years, 30 million, three years, 200 thousand short-term.

6, buy

Hong Kong stock.

Compared with China's A shares, the US stock market and China's Hongkong stock market are relatively mature markets. It is strange that some of China's "great listed companies" are listed in the US or Hongkong.

It is still necessary to "bargain in and build up positions in batches". Of course, what stocks should be bought must be made by yourself, and it is best to invest under the guidance of professionals.

7, buy "hedge strategy" fund, formerly known as the "capital preservation fund".

The so-called capital preservation fund is to guarantee a certain proportion of the capital invested during a certain period of time. The guaranteed fund, which uses interest or a small proportion of assets to engage in high-risk investments, will invest most of the assets in fixed income investment, so that the market of fund investment will no longer be lower than the guaranteed price and achieve the "guaranteed cost" role.

The capital preservation provisions of the guaranteed fund stipulate that the redemption part will be protected by the guaranteed clause when the maturity date (a guaranteed period is at least one and a half years, usually two or three years), and the redemption will not be guaranteed before the expiry date.

Give part of the savings to the profession.

People's organizations are not only saving their minds but also getting some benefits. The general revenue will be 5%, 10%, or even more than 20% per year.

Before choosing such funds, we should know the previous performance of this fund and buy the fund of "star capital preservation fund manager".

8, light warehouses participate in A share investment.

A shares have suffered four stock disasters in the past two years. The crazy issuance of new shares has caused a serious imbalance between supply and demand, which has aroused the anger of the people. More and more investors have seen through the nature of the money in the market. Before the fundamental changes in the stock market policy, they can only participate in the light trading and not be able to make a heavy turnover. Otherwise, they will only make money less and less.

For more information, please pay attention to the world clothing shoes and hats and Internet cafes.