Most of America's surplus capital flows to the stock market, surplus countries and the super-rich. How can we keep our wealth in the hands of these terrible financial giants?
Everyone faces different problems. I'll tell you about 10' s basic financial investment methods and characteristics. You can choose it reasonably according to your own needs.
Do you choose liquidity or illiquidity? In the past 20 years, real estate has skyrocketed. First-tier cities in China started from 5000 yuan and rose to 65438+100000 yuan. Choosing real estate as an asset is a sure bet for most people.
But real estate has a fatal weakness, that is, poor liquidity!
When you need cash for emergency, the real estate is not so easy to realize, and it must have a cycle of at least half a year to 1 year, and it will be discounted in nine cases out of ten, which will also affect your living stability.
If you use the second mortgage of real estate, there is also a great risk of usury. If your investment fails, the property will be repossessed.
Therefore, many times the liquidity of real estate is relatively low, and it is difficult to solve your urgent needs. I suggest that as a basic investment, you should first consider which liquid assets are more suitable for you.
Gold, so you won't starve to death. In recent years, there has been an impulse to exchange 10% of current assets for gold.
Why, once the southeast or southwest changes, we are constrained by large-scale wars or face large-scale sanctions from the United States and western countries.
At this time, the probability of vicious devaluation of the currency is very high, so gold, as a global currency, has a huge hedging effect.
You know, the moment the former Soviet Union was transformed into Russia, the ruble suddenly depreciated by thousands of times. What people in the country need most is not a house, but rice-flour blending oil.
All this can only be exchanged for gold, which is also hard currency, because of its precious metal properties, it is not easy to corrode and deteriorate, and its preservation is good.
So, if you have money, I suggest you store about 6,543,800 yuan of gold for a rainy day. Of course, it is more convenient to buy through the paper gold accounts of major banks.
If there is hyperinflation, according to the current purchasing power, this part of gold can buy 50 thousand Jin of rice, which can guarantee the basic food supply of a family of three for about 10 years.
The best investment methods in the period of moderate inflation: funds and stocks. At present, we are still in moderate inflation, and central banks can control the financial situation. At this stage, I suggest that your best investment means are funds and stocks.
It is especially recommended that the fund invest regularly.
Why don't I recommend stocks as my first choice? I have invested in stocks before, but there are two problems with stocks.
When PetroChina went public 10 trillion in 2008, you would never have imagined that today it is only 700 billion.
Therefore, it is more reasonable to invest in a basket of stocks through the fund and choose, add or delete them according to the development situation.
The safest way to invest: bonds and deposits. Of course, in fact, these two things are not as safe as gold, but you can rest assured that bonds and deposits can increase in value, but gold will not.
Please note that deposits are placed in the largest state-owned banks, and it is best to deposit them separately.
Small banks will also go bankrupt. What should depositors do in case of bankruptcy? Although there are countries at the bottom, it is not easy to transfer accounts.
Personal investment bonds are preferably government bonds, which are endorsed by national credit and are relatively stable.
Of course, if you pursue high returns, you can also buy bond funds, which invest in a small number of stocks or new shares. I will see bond funds with annual income exceeding 10%. If you find a bond fund whose annual income exceeds 10%, I must congratulate you.
Long-term financial planning-trust and insurance If you have a certain amount of savings and wealth, considering your own pension or the income of the next generation, I suggest you consider trust and insurance.
The so-called trust is to give a large sum of money to reliable investment banks, so that they can invest in some relatively stable targets and ensure long-term income sources.
Trust is mainly to prevent your son from spending all his money soon after you give him a lot of money. Nobel Fund is a good trust fund, which has been used for almost 100 years and is still being used more and more.
Insurance here refers to investment insurance, similar to trust, only for the middle class with less money.
It can be said that investment-linked insurance is also to buy funds to invest in stocks, because insurance companies charge management fees, so the actual income is not as good as buying funds to protect stocks, but why should we recommend investment-linked insurance?
One advantage is that it is a compulsory investment. As long as you sign the agreement, whether you like it or not, you have to keep paying. In this way, when Shuang 1 1 asks you to give up your job, you find that your money has been insured, so your desire to buy is low. Relatively speaking, you also save a sum of money.
The least recommended investment for you-leveraged investment Many people seek to get rich overnight, and then they will be recommended for foreign exchange and futures.
Leveraged trading adopts margin trading system, and the margin collection ratio depends on the type of futures exchange, which is generally 5% 10%.
Capital leverage can amplify risks and at the same time expand returns. Futures foreign exchange trading is often not limited by T+ 1 You can trade countless times a day. Of course, the more transactions, the more futures companies earn.
It seems that 1 10,000 yuan can earn 6.5438+10,000 yuan, but in most cases, you can't control your psychology, and most of the money is earned by futures companies.
This is not the most terrible. The most terrible thing is that you may meet an unscrupulous and unlicensed futures company. The so-called futures rise and fall can be artificially controlled. If you accidentally open an account, it is likely that your deposit will be cleared.
What can I say about this investment?
"Ten bets and nine losses, just don't touch or transfer money!"
First of all, let's analyze the topic, currency depreciation, depreciated credit paper money. That's easy. We just don't hold credit funds for the time being. For example, suppose 100 yuan = 1 bag of rice now, and we put this 100 yuan into a bag of rice. After five years, the currency depreciated, 100 = 0. Second, you can borrow someone else's money and return it to him when it is cheap. Let us take rice as an example. Suppose we know that the currency will depreciate. Now I can borrow 1 1,000 yuan from others, and I can buy 1 1,000 bags of rice. Five years later, I only need to sell 50 bags of rice, and then I can return it to others 1 0,000 yuan. Do I have 50 bags of rice in my hand?
These results are all derived in an extremely ideal state. Of course, it is not that simple in practice, because it is difficult for us to find an asset that does not depreciate to replace paper money.
I think there are four types of assets that can resist the risks brought by currency depreciation to a greater extent, namely gold, real estate, equity and collectibles. 1. Golden
Gold naturally has the property of currency, so in a long historical period, gold directly acts as currency. From the recent history, from the Bretton Woods system to 197 1, Nixon announced that the dollar was no longer linked to gold, and the United States promised that gold and the dollar would pay in proportion for no more than 30 years. One reason is that the dollar needs to be issued more, but the output of gold has not kept up, and Americans can't stand it. In other words, the dollar depreciated, but gold didn't. So after the news was announced, gold soared rapidly. 197 1 years ago, the exchange rate per ounce in 35 yuan was set at 2019165438+1October 22nd, and the gold price was 1462 yuan per ounce.
If calculated according to the exchange ratio of the two, the dollar depreciated by 4 1 times against gold. For example, if an American holds $3,500 in 65,438+09,765,438+0, he still has $3,500 in 2065,438+09. But if he changes $3,500 into gold at 197 1, he will have146,200 by 20 19. But this does not mean that holding gold can appreciate by 4 1 times, because this is the gold dollar measured in dollars, and then depreciation is equivalent to gold appreciation. Compared with other prices and incomes, everyone is rising, so gold has not appreciated so much, but its value-preserving function needs no doubt.
Another thing to note is that gold is not a rising investment tool, but a wave of progress, which is actually a hidden danger of investment. If you buy at a high price and buy at a low price, you may not be able to preserve your value, but you will suffer losses from your own funds. Generally speaking, there were three bull markets in gold in the past, from 1 to 1970 to 1980, which was due to the sharp fall of the US dollar and the decoupling of gold from the second bull market, from 200 1 to 201,mainly because Generally speaking, gold is on the rise, but it fluctuates greatly. Because now the financial attribute of gold is far greater than its monetary function. Therefore, if you use gold to preserve the value, you must pay attention to controlling the cycle to make a profit.
2. Real estate.
In recent years, the prices of houses in China have gone up wildly, which makes people deeply obsessed with it. On the Internet, I saw many people say that houses can be used to preserve value, and even put them in the position of 1. Actually, I think it's risky to use China's house to preserve the value under the current circumstances. In the past ten years, China's real estate has experienced the crazy development of gold in 10, which has generally increased by 3~4 times. Now we can say that we have reached the top of the mountain.
There are two hidden dangers in investing in real estate now:
1 house prices do not rise. Because prices have been rising, the currency is depreciating, and house prices are also depreciating. Our current housing market is very similar to Japan in the 1990s, so we can take it as a proportion. In the 1990s, after rapid social development, Japan entered a relatively affluent era. The housing prices in Tokyo, Japan are ridiculously high, and it has also entered the era of real estate speculation. As we all know, Japan has entered the lost 20 years, and it has not caught its breath until now. Even after 30 years, house prices in many places have not reached the level of the 1990s.
The second is the impact of other policies such as property tax. From time to time, we will see the news that there will be one yuan to buy villas in small towns in the United States and even Europe. In fact, the house is so cheap, but the cost of property tax will be higher. China's property tax has been discussed for many years and may be introduced, so it is also a hidden danger to pay a lot of fees if the house is not used or rented. If real estate must be used as a tool to preserve value, then only the core areas of key cities, such as school districts and subway houses, will have certain value, and other areas will carefully consider it.
3 equity.
High-quality company equity is the key recommended project. Inflation and price depreciation come with the progress of productivity technology, so a technology representing production is the company. An excellent company is ahead of the average productivity of society, so the stock of an excellent company will inevitably rise higher than ordinary stock and inflation rate. Judging from the past, the stock increase of excellent companies is the highest among these assets. When choosing, you must choose the leading stocks in the industry and pay attention to the risk of bankruptcy of companies, such as Coca-Cola, Microsoft, banks, or large companies with Chinese characters.
Four works of art.
Art is an industry with high investment threshold, which requires high capital and professional ability. In recent years, the auction prices of paintings, calligraphy and artworks have hit record highs, and the collection fever has increasingly become a social phenomenon. From the perspective of scarcity, works of art have their inherent growth factors. However, the water in the investment market is deep, there are many fakes, and there is no benchmark for prices. Many of them are incomparable items. Therefore, professional assistance is needed.
As the global economic growth slows down and interest rates fall, currency depreciation will become a general trend and must be dealt with well. However, increasing value and preserving value is a long-term investment idea. Whether we can withstand the recovery of economic cycles such as temper is the most important factor for our success.
When the currency depreciates, holding the following assets can help you resist the asset shrinkage caused by currency devaluation:
I. Fixed assets represented by real estate:
Real estate is a good asset to resist currency depreciation. In the future, with the continuous improvement of urbanization level, the rise of real estate can still outperform inflation.
The concepts of central area and school district in first-and second-tier cities, due to the continuous introduction of economic development and population, have great value-added potential, which can completely cover the impact of currency depreciation.
Two. Resource-based currency represented by USD;
When the currency depreciates, buying dollars is a better way to resist the devaluation.
Three. Precious metals represented by gold:
Gold is a precious metal with the most stable intrinsic value and one of the best assets to resist currency depreciation. Since ancient times, due to the gold standard monetary policy implemented all over the world, gold has played an important role in all stages of history. Even now, central banks are storing a lot of gold, so gold can play a stabilizing role in the currency.
Fourth, the collection of Wan Wen represented by calligraphy and painting:
Collections in the golden age of troubled times, celebrity calligraphy and painting are also good assets to resist currency depreciation. Celebrity calligraphy and painting will become more and more precious as time goes by, especially the calligraphy and painting of some very famous painters, which can be said to be rare and may increase in price every year. Therefore, collectibles such as celebrity calligraphy and painting are also good assets to resist currency depreciation.
Verb (abbreviation for verb) Securities assets represented by stock funds:
Investing in blue-chip stocks with high dividends in the stock market is also a good defense against the risk of currency depreciation. There are more than 3700 stocks in the stock market now. So many stocks can be said that some of them are of great investment value and can resist the risk of currency depreciation.
Many blue-chip stocks with high dividends have stable performance, and their performance can grow every year, and they can also pay dividends every year, and their net assets can also grow every year. The share price of some stocks is even much lower than their net assets. Holding blue chips with high dividends for more than 10 years, with an average annual income of around 10%. If you don't know anything about stocks, invest in excellent funds, and the annual income can be above 10%.