fund

Since the successful issuance of the first batch of closed-end funds in 1997, Yin Zhongjing Fund has been highly praised by domestic individual investors. Last year, funds have obviously surpassed 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 reached nearly 200 billion yuan this year, accounting for more than 10% of the circulating level of A shares. Many investors are still very optimistic about the advantages and characteristics of the fund, such as stable income and low risk, and hope to obtain ideal income through the investment of the fund.

Seven skills of fund management:

First, correctly understand the risks of the fund and purchase the fund varieties suitable for your risk tolerance.

Second, the choice of funds can not be greedy and cheap. Many investors will choose funds with lower prices when buying funds, which is a wrong choice.

Third, the new fund is not necessarily the best. In the mature foreign fund market, newly issued funds must have their own characteristics, otherwise it will be difficult to attract investors' attention. However, many domestic investors only buy new funds, thinking that they only issue new funds with a face value of 1 yuan, which is the cheapest.

Fourth, the fund with more dividends is not necessarily the best fund.

Fifth, don't just stare at open-end funds, but also pay attention to closed-end funds.

Sixth, carefully buy split funds.

Seventh, investment funds should be long-term. Buying a fund is to admit that experts are better than themselves in financial management, so don't speculate on funds like stock trading, or even make a difference and then redeem them. We should trust the fund manager's judgment on the market.

stock

Buying stocks means buying listed companies and China's economic growth. At present, the supply and demand of domestic stock market funds 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.

period

Generally, it refers to a futures contract, which is a standardized contract made by a futures exchange and agreed to deliver a certain amount of subject matter at a specific time and place in the future. This subject matter, also known as the underlying asset, can be a commodity, such as copper or crude oil, or a financial instrument. If the buyer of a futures contract holds the contract until the expiration date, he is obliged to purchase the subject matter corresponding to the futures contract; If the seller of a futures contract holds the contract until it expires, he is obliged to sell the subject matter corresponding to the futures contract (some futures contracts do not make physical delivery but settle the price difference when they expire). For example, the expiration of stock index futures is the final settlement of the futures contract in the opponent according to a certain average of the spot index. Of course, traders of futures contracts can also choose to reverse the transaction before the contract expires to offset this obligation.

national debt

2005 was a year of innovation in the national debt market, which not only increased the variety of national debt, but also gave investors more choices. New attempts and reforms have also been made in the way of issuing government bonds, which has further improved the marketization level of government bond issuance and minimized the interference of non-market 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.

rescue

Over the years, savings, as a traditional financial management method, has long been deeply rooted in people's hearts. Most residents still regard savings as the first choice for financial management. On the one hand, the inflow of foreign capital into China is still strong, and the supply of basic money 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 in interest rates will certainly stimulate the increase in savings.