A year's plan lies in spring, and so does investment and financial management. If the "spring sowing" is properly laid out at the beginning of the year, the harvest at the end of the year should be good. Since the beginning of 2008, the A-share market has fluctuated greatly, so investors may not get high returns from stocks as easily as last year. Now the concept of making money from real estate has gradually penetrated into the hearts of the public, and everyone has begun to figure out what kind of fund to buy and when to buy it. Business experts of Agricultural Bank of China Shanghai Branch believe that choosing the fixed investment business of funds can effectively reduce risks and enjoy higher returns. At present, almost all banks in Shanghai have the agency business of fund fixed investment, so it is very convenient for investors to buy a favorite fixed investment product in the bank. Take the Agricultural Bank of China as an example. Join hands with Dacheng, Jing Shun, Guo Fu and other 17 fund companies to launch the fixed investment business of funds, and there are more than 100 fund varieties to choose from. Among them, the fixed investment of open-end funds is an important means of long-term and stable fund continuous investment, with wide appointment time and low initial investment amount, with a minimum of 100 yuan per month. At present, the mainstream market view holds that the bull market of A shares will continue in 2008, and the income of partial stock funds will still be ahead of other types of funds. Therefore, if we maintain the investment ratio of partial stock funds at the beginning of the year, we may earn a big red envelope at the end of the year. For conservative investors, you can choose low-risk funds represented by money market funds and bond funds. In addition, due to the return of red chips such as China Mobile in 2008, bond funds benefiting from "innovation" can be mainly allocated. It is hard to say whether QDII has fallen below the net value from short supply. QDII is the most controversial financial product at present. In 2008, the expansion of QDII market will be inevitable, and insurance and brokerage QDII will go to sea one after another. Now it seems that QDII, which has fallen to the bottom, will be extremely successful in 2008. Liang Dawei, chief investment director of wealth management department of Standard Chartered Bank, gave constructive comments on investment and financial management opportunities in 2008. He pointed out that under the influence of the subprime mortgage crisis in the United States in 2008, the economic structural problems of rising loan default rate and falling consumer spending were difficult to solve. It is expected that the American economy will continue to be weak, and there is a negative correlation between the emerging market stock market and the trend of the US dollar index. Therefore, the investment space in emerging markets is still very large. Liang Dawei believes that although emerging markets have been rising in the past three years, the P/E ratio remains at 15 to 16 times, which is more than 30 times of the peaks of 1994 and 1998, and it is still in a healthy state. Therefore, experts suggest that investors with more foreign exchange can appropriately invest in QDII for emerging markets this year to diversify investment risks. Experts said that QDII has the characteristics of high threshold, high risk and high income, which is suitable for the tastes of investors at different levels. Liang Dawei, who is optimistic about gold investment in the second half of the year, pointed out that the dollar will continue to weaken this year, and the gold negatively related to the dollar will highlight the characteristics of safe-haven investment, and the second half of 2008 is expected to usher in the best period of gold investment. Bank of Communications financial experts pointed out that there will be more gold investment opportunities in 2008, especially after the gold futures products are officially listed, the personal investment threshold is only 20,000 yuan, and the leverage effect of the margin can be used to obtain high returns. At present, Bank of Communications and Industrial and Commercial Bank of China have joined hands with futures companies to launch gold futures business, making it more convenient for bank customers to participate in gold futures market transactions. In addition, China Bank's "Huang Jinbao" paper gold business and ICBC's "gold expert" physical gold business are worth a try, and the risk is lower than that of gold futures. Xu Ming, a gold analyst at Bank of China in Shanghai, pointed out that ordinary investors are most concerned about whether paper gold still has investment value at its current high level. Judging from the reasons for the rise of gold, the international gold price is still bullish in the medium and long term due to factors such as the depreciation of the US dollar and the long-term geopolitical tension. Optimistic expectations point out that it is not impossible for gold to hit the sky-high price of $0/000 in 2008. It should be noted that due to a large number of short positions in the gold market, the price of gold may fluctuate greatly in the short term, and investors need to be alert to the risk of high entry. Pay equal attention to short-term and long-term RMB financial management. Last year, RMB financing of new shares was very popular, and the yield of some products was as high as 20%. In 2008, products with new shares showed a short-term trend, and products subscribed by single new shares gradually became the mainstream. For example, the newly launched "Jucaibao" new shares of Shenzhen Development Bank will be fully open RMB wealth management products together with "innovation". Each new share is an investment cycle, and investors can choose funds to enter and exit at any time. When there are new shares, ensure continuous circular investment; When there are no new shares, the funds will remain in the investor's current account and can be freely controlled. The expected annual rate of return is 8%-25%. In addition, the income-enhanced product design of Industrial Bank's "new share financing" is unique: during the subscription period of new shares, idle wealth management funds are invested in capital-guaranteed products, which greatly improves the product yield; China Merchants Bank's "new shares win every month" financial plan is more flexible. Every product bears interest at the beginning of the month and expires at the end of the month. It is specially used to buy new shares issued in the current month, and the new shares are blank, and the funds are invested in bonds and money market funds. Compared with short-term products of new shares, linked wealth management products adopt long-term investment strategy. At present, Chinese and foreign banks are making great efforts in the design of linked products. This kind of product has high income, so we can pay more attention to it in 2008. Bank of Communications recently launched the wealth management product "Delibao Tianlan No.3-Selected Index Fund", which mainly invests in the optimal combination of index funds with good liquidity, low transaction cost, growth and new share subscription, and shares the benefits brought by domestic economic development achievements and index rise, with an expected return of 6%-35%. Financial experts believe that index funds are ideal investment products in volatile markets. In addition, the Cai Hui RMB 98% capital preservation product newly launched by Shanghai Bank is linked to the Hang Seng H-share ETF, with an investment period of 12 months and an expected annual income of 27%.

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