After the long holiday, Haidilao said that due to the increase in labor, procurement and disinfection costs, food prices in Beijing stores rose by 6%. From the point of view of price increase, 6% seems to feel nothing. After eating a hot pot, 300 yuan can't reach 20 yuan. But this ledger cannot be calculated carefully,-
Beef went up in 6 yuan, beer went up in 4 yuan, shrimp went up in 8 yuan and duck intestines went up in 5 yuan. The price of less expensive food has gone up. However, if we look at this algorithm from another angle, I am afraid it will make people anxious.
"Per capita 220, half blood flow rose from 16 to 23 yuan, eight small pieces; Half a potato chip 13 yuan, one potato 1.5 yuan, self-help seasoning 10 yuan; 7 yuan a bowl of rice; There is too much crispy meat for 50 yuan. " Is news more depressing and embarrassing?
"I thought the price of Haidilao had gone up a little, but suddenly I saw Siebel's takeaway menu, 80 yuan's stewed beef with potatoes, 80 yuan's pickled cabbage meat, a potato and a cabbage, and there was not much meat in itself. The price is too expensive and I don't want to go again. The price of Xibeibi has really soared, and Haidilao and Xibeibi are really the rain in Mao Mao. "
"Siebel recently increased the price and reduced the weight. It's really a little too much. 80 yuan's stewed beef has only four pieces of meat, all of which are potatoes. "
In addition to the above-mentioned two iconic chain restaurants being raised by netizens, the "Fat Brothers" meat crab pot and hi tea were also complained by many people because of their prices. At the same time, merchants either don't admit the price increase, or distort the reasons for the price increase and then push it to the cost of labor, disinfection, ingredients and so on.
Faced with the suspected "retaliatory price increase" in the catering industry, most people call for reason and mutual understanding. Indeed, it is not easy for everyone. Just before choosing to calm down, Xuan Dad carefully looked at the account balance and retaliated with consumption. It seems better in the back.
02 negative income financial management
Many people started their financial management in into the pit from Yu 'ebao, only to see that Yu 'ebao's income has dropped from 6.73% on the 7th to less than 2% now, while Alipay has continuously introduced financial products far higher than Yu 'ebao. More and more people are beginning to abandon Yu 'ebao and follow wealth management products with higher returns, but how many people really think and experience that "investment is risky and financial management needs to be cautious"?
This is a retaliatory price increase, which is a green investment income. I'm afraid this wave of salary increase in most enterprises is hopeless. These days, it's not easy to try your best to get the company's full salary bonus. Does anyone really have the energy to do sideline business again?
Relieve the pressure of life with "what you get after sleeping"
"Why is the current interest rate so low now?"
"There is no way. It is said that the interest rate will be lowered. Retirement wages are too small and bank interest is so low. "
"ah"
When my father is doing business in the bank, he often meets two or three elderly people in plain clothes to have the above conversation. In the eyes of the older generation, they have worked hard all their lives, with a suite, emergency savings and interest, and stable retirement wages. This is life. But for the pork price that everyone knows now, can they bear to let the elderly at home become vegetarians in embarrassment and humility?
Xuan's father noticed Yu 'ebao out of curiosity and wanted to compare it with the bank deposit rate. At that time, the 7-day annualized income of Yu 'ebao was still around 4.5%, which means that the daily interest income is nearly 15 times. For the older generation who have survived 3.5 million or millions of cash and still have interest, this income difference is actually very objective.
At present, the annualized income of Yu 'ebao on the 7th is less than 2%, which is close to the March and half-year time deposits of some banks. Is it necessary to toss? If you don't buy Yu 'ebao, how many people dare to let your family take the "coffin book" on the list of WeChat wealth management and Alipay wealth management?
Today is the first time that Xuan's father published a paid article about "Master Titanium". Since he dares to charge, dry goods must be distributed, so that at least his friends can earn money for the article within one day.
Wealth management products are 30% higher than Yu 'ebao.
The obvious difference between family financial management and personal financial management is the amount of funds. When personal savings are still struggling on the edge of 1000 yuan, families can generally come up with 300 thousand, 500 thousand or even more. This kind of revolving fund is the first stable fund for any family, and must not be lost! Therefore, we must be cautious when choosing the channels for investment and financial management.
Xuan has always insisted on figuring out what he is investing in, so that he can invest real money. Yu 'ebao is a product name, and behind it is actually a "money fund", while a bunch of money-losing wealth management products in front are obviously essentially different from Yu 'ebao. I'll digress first. Universal insurance is beyond the scope of this article.
Fund itself is a very broad concept, which can be divided into open-end funds and closed-end funds according to whether fund units can be increased or redeemed. According to different organizational forms, it can be divided into corporate funds and contractual funds; According to different investment objects, it can be divided into stock funds, bond funds, money market funds and futures funds.
Just the types of funds, I believe many people can already see the flowers in the fog. For small partners who have no intention of becoming professional investors, Xuan Dad personally suggested choosing a fund according to the investment target.
As the name implies, stock funds mainly invest in the stock market, which fluctuates greatly, and the profit and loss range is also suitable for high-risk people, while bond funds mainly buy a variety of bond portfolios, mainly bond income. These are not good investment fund targets for stable families, and among many fund products, money fund is the most recognized financial target for family assets.
In fact, the earliest whole process of Yu 'ebao was "Tian Hong Yu 'ebao Money Market Fund". With the increase of Yu 'ebao's investors and the expansion of its scale, Yu 'ebao has launched two products, namely "Boss Cash Income Currency A" and "China-Europe Rolling Qian Bao Currency A".
Therefore, everyone thought that what they bought was Yu 'ebao, but it was actually a money fund.
For investors, the security of Yu 'ebao is not so much because of Alipay's endorsement as because of the security of the money fund itself. Fund assets are mainly invested in short-term monetary instruments (generally within one year, with an average maturity of 120 days), such as treasury bonds, central bank bills, commercial bills, bank deposit certificates, government short-term bonds, corporate bonds (with high credit rating), interbank deposits and other short-term securities.
In fact, the investment scope of these money market funds are all varieties with high safety factor and stable income, so for many people who want to avoid the risks in the securities market.
Money market funds are natural havens for most enterprises and individuals. Under normal circumstances, not only can you get higher income than bank deposit interest, but also you can't guarantee the safety of the principal.
However, historically, money funds have lost money-
On April 27, 2005, the income of Penghua Currency A per 10,000 shares was -0.2804 yuan;
On June 8, 2006, TEDA Monetary Fund earned -0.2566 yuan per 10,000 shares that day;
On June 9, 2006, the income per 10,000 shares of E Fund was -0.0400 yuan;
2065438+July 2006 18, the income of Xingye Xintianying Monetary Fund per 10,000 shares was -6.0608 yuan;
The loss probability of the money fund is negligible. Under normal circumstances, the loss of the money fund will inevitably correspond to the market turmoil. For example, at the end of 20 16, the bond market experienced a sharp fluctuation similar to the stock market crash, and the income of money funds that have been holding more bonds fell sharply. But when the money fund loses money, I'm afraid all the investment projects are very sad, and a money fund rarely loses money continuously. Except for the 20 16 loss of "Xingye Newly Winning Monetary Fund", it takes more than ten days to recover, and most of them can "turn losses into profits" within one or two days.
After understanding the security of the money fund, what Xuan Dad has to do next is to directly recommend the money fund to everyone, not that Alipay is not good, but that its cooperation is equivalent to narrowing the scope of the money fund, which makes us less choices in disguise. It is not easy for hundreds of money funds in the market to choose the sincerity that the income is nearly 30% higher than that of Yu 'ebao. These two money funds are definitely the author's "baby"!
Can these two funds directly kill Yu 'ebao?
Small partners who do not intend to invest professionally believe that they will not be interested in how Xuan Dad chooses. At least in the past two years, the two money funds that Xuan Dad has been choosing are much better than Yu 'ebao, and the annualized rate of return in recent June and 28 years. Let's simply compare—
It doesn't look much different, but the problem is to calculate it carefully. Tian Hong Yu 'ebao currency (000198) has an annualized rate of return of 2.05%, while Li Tiantian currency B(003474) has an annualized rate of return of 2.64%, with a difference of 28.8%! ! !
Compared with June, the currency of Tian Hong Yu 'ebao (000 198) is 1. 15%, and the currency of South Tian Li (003474) is 1.42%, with a difference of 23.5%! ! !
This difference seems to be no problem for 10 thousand yuan, but for 65438+ 10 thousand family finance, the difference is probably not a little bit.
Take Tian Li currency B(003474) as an example. Even if the 7-day annualized income is calculated by 2.6% simply and rudely, that is, 65,438+ten thousand yuan, the daily income is about 7 yuan, and the monthly income is 2 10 yuan. For some thrifty old people, this 2 10 yuan is enough to pay for water and electricity at home. And if the family cash flow is relatively large, 500,000, the monthly interest income is 1 0,000, which is quite good.
05 investment 1000 yuan can earn 200 yuan's projects.
"Xuan dad, really only a couple of thousand yuan in cash before graduation. It is not easy to save. "
Usually, the small partners with less deposits are also such college students or have just left social work. Little lions certainly don't believe that there is really only 1000 yuan for financial management, but it is usually difficult for them to spend 654.38+ 10,000 yuan for financial management. For such a small partner, the money fund is obviously not suitable. Even if you reach the minimum threshold, you can't earn 0.05 yuan a day. It's better to drink less coffee or milk tea.
A slightly higher risk project is actually more suitable for this kind of small partner with an investment of 1 1,000 yuan. Of course, it has nothing to do with stock trading, futures speculation and online gambling. If the protagonist of family financial management is monetary fund, then the cash financial management goal of 1 0,000 yuan is convertible bonds.
To put it bluntly, this game has been going on for more than a year, almost two years. Can such a good thing really last? But now, you can really have some cold soup. After all, making big money is the primary task of such players.
Since the beginning of this year, the convertible bond market has performed well, and new bonds have generally achieved positive returns after listing. Convertible bonds in the secondary market are hot, and prices generally rise sharply. Taking the performance on the first day of listing as an example, none of the 5 1 convertible bonds listed this year fell on the first day of listing, and rose by an average of 20.56% on the first day of closing. This means that if we can win the subscription of convertible bonds this year, the average income on the first day will be above 20%, that is, the average income per signing will exceed that of 200 yuan.
Well, what does this 200 yuan mean? The number of convertible bonds is 10, and the face value of a convertible bond is 100 yuan. If you win the lottery, it is equivalent to the cost of 1000 yuan, then 200 yuan means more than 20% of the income! This kind of income is absolutely impossible for the fund, and most of the stable income is even more difficult.
Of course, behind the high yield of convertible bonds, the risk will not be small. When the stock market falls sharply or the market is very bad, people are very worried about the long-term economy, which will lead to a decline in reprinting, but the decline will not be exaggerated, and from the current market big data, it is still worth fighting for.
Subscription can win the prize, and winning the prize can make money? It's not that simple. Winning the lottery doesn't necessarily make money. It's just that the market is really flexible now. Basically everyone makes money, or the probability of making money is greater than the probability of losing money. However, convertible bonds have set a new low threshold, and relatively high returns have attracted more and more funds to participate. Choice statistics show that in 2020, the average effective online subscription amount of new bonds is 2.95 trillion yuan, the average online placement amount is 574 million yuan, and the average winning rate is 0.0232%. Based on this calculation, the probability of winning the top subscription is about 23%. In 20 19, the average effective online subscription amount of new convertible bonds was 797.853 billion yuan, the average online placement amount was 249 million yuan, the average winning rate was 0.0425%, and the probability of winning the top-level subscription was about 43%.
It's obviously a little short to announce dad to do paid reading. The problem is how to improve the winning rate of convertible bonds, which is the dry goods of convertible bonds.
1. The probability of winning the lottery is very low. Generally, it costs 1000 yuan as soon as you sign, so don't worry about the situation that there are too many winners who have no money to give.
2. Multi-account subscription, convertible bonds really make money in the first wave of online one-person multi-account subscription. Now as long as you don't buy stocks, you can borrow your own, parents' and elders' relatives, which is very important to improve the winning rate. Usually, a person can transfer at least three accounts, and a family can get about six accounts to subscribe.
For Xiaobai, convertible bonds can be purchased at the time of subscription and listing. Maybe you can earn more by holding them in your hand for a while, but since they are small white, non-professional players might as well sell them when they see the profit.
When you have enough accounts to buy convertible bonds and keep doing it, I believe that if your luck is not too bad, how can you get 20% income a year? Of course, once you find that the income of convertible bonds is wrong or there are signs of decline, you must leave at the first time!
Every ounce of sand can be made into a pound of wool.
Previous content recommendation
What should I do if I encounter a "SMS bomb"? The operator teaches you a trick to get it done.
Should the router be turned off? How often does it close?
/kloc-the second update in 0/2: Do you still use this version of QQ?
end
Q&A: What is the annualized rate of return of 65438+100,000 yuan for seven days? This means that the annualized rate of return is 2.3%, and you need to multiply it by 2.3%. First, what does this mean? 1, 7-day annualized rate of return means that the monetary fund reflects the average income level according to the income situation in the last 7 days. The annualized data is the 7-day annualized rate of return, and the calculation process is as follows: 7-day income = rate of return /365 days ×7× principal. If the seven-day annualized rate of return is 2.3% and the investment principal is 1 10,000 yuan, the seven-day income is about 4.4 1 yuan. 2.7 annualized rate of return can only be used as a short-term indicator, which can represent the recent income level, but it cannot fully represent the actual annual income of the fund. Second, what is seven-day annualization? Seven-day annualization refers to the data obtained after the average income of the subject matter has been annualized for the past seven days, and the seven-day annualization rate = principal * interest rate *7/365. At present, the income shown by money funds and some net worth wealth management is the seven-day annualized income. If the seven-day annualized rate of return of a monetary fund is 1.83% and the principal is 20,000 yuan, it can be calculated that the seven-day annualized rate of return is 20,000 *1.83% * 7/365 = 6.954 yuan and the daily rate of return is 6.954/7=0.99 yuan. Rate of return refers to the rate of return on investment, generally expressed as an annual percentage, and calculated according to the current market price, face value, coupon rate and the time from the maturity date. For a company, the rate of return refers to the percentage of net profit to the average capital used. Rate of return is a useful index to evaluate rate of return productivity. It tries to answer: should society and individuals invest resources in the rate of return? In other words, the rate of return can not only be used as a standard to evaluate the rate of return on resources invested in a country or region, but also provide information on the efficiency of resource allocation and encourage individuals and governments to invest in the rate of return. For example, by comparing the rate of return with the rate of return on physical capital investment, we can judge the rate of return on investment in a country or region; Another example is the higher rate of return found in most studies, which can encourage individuals and governments to invest more resources in the rate of return.