Since the beginning of this year, with the gradual implementation of a series of national financial policies, it has opened up a broader development space for the investment and wealth management market. Personal investment and financial management can be described as many hot spots, which can be summarized into eight aspects:

Gold speculation: entering the golden age

Since the Bank of China launched the "Huang Jinbao" business for individual investors in Shanghai, gold speculation has been a hot spot in the personal finance market, attracting investors' attention and favor. Especially in the past two years, the international gold price has continued to rise. It can be predicted that with the gradual opening of the domestic gold investment field, the future gold demand growth potential is huge. Especially after 2004, the pricing method of domestic gold jewelry will gradually change from the integration of price and fee to the separation of price and fee, and the 5% consumption tax on gold jewelry is expected to be abolished, which will greatly promote the increase of gold investment, and the gold speculation business will surely become a bright spot in the field of personal financial management and truly enter the golden age of investment and financial management.

Fund: optimistic and promising

Since the successful issuance of the first batch of closed-end funds in 1997, the funds have been highly praised by domestic individual investors. Last year, funds have obviously exceeded deposits and become the top priority in many aspects of investment and financial management. According to relevant data, the net value of domestic funds has exceeded 200 billion yuan this year. According to the survey, many investors are still very optimistic about the advantages and characteristics of the fund, such as stable income and less risk, and hope to obtain ideal income through the investment of the fund.

Stock trading: opportunities and risks coexist

Some experts have analyzed that the future situation of capital supply and demand is relatively optimistic, which is undoubtedly a shot in the arm for the capital-driven China stock market. In addition, China Securities Regulatory Commission has put forward stricter requirements on the performance calculation and financing amount of listed companies, and strengthened the supervision of the stock market, which will bring profit opportunities to investors. But in any case, the biggest feature of the stock market is uncertainty, opportunities and risks coexist. Therefore, investors should continue to be cautious and seize opportunities before investing.

National debt: investment options are getting bigger and bigger.

At present, there are many varieties in the national debt market, and investors have many choices. New attempts and reforms have also been made in the way of issuing treasury bonds, which has further improved the marketization level of issuing treasury bonds and minimized the interference of non-marketization factors. In addition, the secondary market of national debt will also become the focus of development next year. It can be seen that this series of innovative actions of national debt will certainly bring more investment choices and greater profit space for investors.

Salvation: Can Old Songs Sing a New Tone?

Over the years, savings, as a traditional financial management method, has long been deeply rooted in people's hearts. According to a survey, most residents still regard saving as the first choice for financial management. Some experts have analyzed that this year, on the one hand, the momentum of foreign capital flowing into China is still relatively strong, and the base money supply in China has increased; On the other hand, in order to moderately control the rise of price index and inflation rate, the government adopted the means of raising interest rates, and the floating range of interest rates was further expanded. The rise of interest rate will certainly stimulate the increase of savings, which is a traditional financial management method and is expected to become a new financial management hotspot next year.

Bonds: the hot situation is expected to reappear

In recent years, the bond market is unexpectedly hot. There are indications that the issuance of corporate bonds is likely to accelerate this year, such as corporate convertible bonds, floating interest rate bonds and bank subordinated bonds. Will become a good investment variety. In addition, the China Banking Regulatory Commission will include subordinated term debt in tier 2 capital to supplement the capital structure of commercial banks, which will make banks ready to issue bonds, which will once again add fuel to the fire in the bond market.

Foreign exchange: the opportunities for profit from investment are greatly increased.

In recent years, the continuous decline in the exchange rate of the US dollar has made more and more people gain a lot of money through personal foreign exchange transactions, which also made the foreign exchange market extremely hot. Various foreign exchange wealth management products have also been launched one after another, such as the foreign exchange of commercial banks, the foreign exchange treasure of China Bank and Agricultural Bank, and the American Express Huitong of China Construction Bank for investors to choose from. Next year, the Chinese government will continue to adhere to the principle of RMB stability, and take measures such as linking RMB to foreign exchange and increasing the autonomy of enterprises in foreign exchange to promote the healthy development of the foreign exchange market. Therefore, according to experts' analysis, there will be more room and opportunities for making profits by investing in the foreign exchange market next year.

Insurance: Income insurance will become a hot investment spot.

Compared with the tepid insurance market in recent years, income-based insurance has been sought after by people as soon as it is launched. Generally, there are many types of income insurance, which not only has the most basic protection function of insurance, but also can bring investors a lot of income, which can be described as a win-win situation for protection and investment. Therefore, the purchase of income insurance is expected to become a new hot spot for personal investment and financial management.