Danger degree: ★
Revenue: ★
Income mode: guarantee+dividend.
Financial restrictions: unlimited.
Many years ago, the function of insurance was only to protect people or property. With the development of insurance industry, insurance products are more and more abundant, and dividend insurance has become the "darling" of insurance companies. The reason is that dividend insurance is not only simple to purchase, but also comprehensive, and it can bring unlimited dividend income to the insured every year.
Investment points: Dividend insurance mainly includes pension, education, security and integration. Dividend insurance has two payment methods, one is to pay all the premiums in one lump sum; The other is to pay the premium in installments. The former is suitable for customers with abundant funds at that time, and the latter has relatively less pressure to pay, but the total premium is higher than the former. As for the collection of the deposit, some are collected in one lump sum after the payment is made, some are collected in installments after the payment is made, and some are paid in cash from the company at the same time as the premium is paid. Dividend insurance policies can also be pledged to banks.
Wonderful case: An insurance company has launched a dividend insurance, with an annual premium of 900 yuan, with a total insured amount of 6.5438+0.8 million yuan. If the investor chooses to pay for 20 years, the premium paid by one * * is 6,543,800 yuan+0.8 million yuan. After the policy comes into effect, the beneficiary can get 800 yuan cash back every three years until the death of the insured. If the insured lives for another 75 years after the policy takes effect, the beneficiary can get 25 cash refunds, totaling 20,000 yuan. If the insured dies unfortunately, the beneficiary can also get 50,000 yuan of death security. At the same time, according to the operating conditions of insurance companies, beneficiaries can also get irregular dividends every year.
Expert comment: buying dividend insurance is more of a guarantee, and the requirements for income are low. Dividend insurance is low-risk, guaranteed, dividend-paying and negotiable, which is suitable for conservative investors. Interest is stable and safe.
Danger degree: ★★
Revenue: ★★★
Income mode: interest, transaction price difference
Financial restrictions: unlimited.
A bond is a certificate that an investor lends money and the other party promises to return the principal and agreed interest at maturity. At present, the common bonds in China are government bonds and corporate bonds. National debt is issued by the state and has high security. There are two forms of book-entry treasury bonds and voucher-type treasury bonds. Voucher bonds are mainly issued through bank counters, and there are bond certificates. Book-entry bonds are mainly bought and sold through securities companies, and creditor's rights are recorded through shareholders' accounts. The borrower of corporate bonds is an enterprise, so there is a risk that the enterprise will not repay on time when it expires.
Key points of investment: the yield of certificate-based government bonds is basically the same as that of bank deposits, but there is no interest tax of 20%. The biggest feature of book-entry treasury bonds is that they can be bought and sold like stocks, while coupon rate is often higher than voucher-type treasury bonds. Because this kind of national debt is greatly influenced by the relationship between supply and demand and policies, the price will fluctuate. If investors can buy low and sell high properly, they can get extra income besides debt interest. At present, China has 22 kinds of book-entry treasury bonds to choose from, including fixed interest rate and floating interest rate. The interest rate of corporate bonds is mostly above 4%, and the price fluctuation is relatively small, so it is relatively safe to hold.
Wonderful case: Take the trend of the fourth book-entry treasury bonds issued in 2000 as an example. If you buy it in June of 20 12 and hold it in February of 20 13, the increase of this product has exceeded 4%, and with the coupon interest of 2.6%, the annual yield can reach more than 5%.
Expert comment: The yield of bonds is not only higher than bank interest, but also safe, which is an important choice for stable investors. Buying and redeeming is really simple.
Danger degree: ★★★★
Profitability: ★★★★
Income model: dividends and net growth.
Financial restrictions: unlimited.
The fund is initiated by the fund management company, which concentrates the idle funds of investors, and is managed and operated by financial experts in a unified way, and then the income is distributed. China fund market rose at the end of last century. At that time, it was mainly closed-end funds (that is, investors could not redeem their investments during the duration of the funds, but could only transfer them). Over the years, open-end funds (that is, investors can redeem their investments during the fund's existence) have become the mainstream development direction of the fund industry. Open-end funds are issued by securities companies and banks, and the procedures for investors to purchase and redeem are relatively simple.
Key investment points: the investment income of open-end funds mainly comes from the dividends of funds and the growth of fund net value, both of which depend on the operation ability of fund management companies. Relevant statistics show that since last year, open-end funds have performed well. By mid-March, 20 13, 54 of the 55 open-end funds that have been issued have net worth above 1 yuan, and many of them have net worth above 1. 1 yuan. The average net value of funds established more than one year has increased by more than 15%, and the biggest increase even exceeds 40%, while the fund with the highest dividend return rate has reached 17%.
Wonderful case: Bosera value growth open-end fund was established in the second half of 2002, and the net value of unit fund has reached 1.3 yuan. During this period, the fund has paid dividends twice, and the total return rate of unit fund has exceeded 40%.
Expert comment: Open-end funds have different investment styles. For example, stock funds mainly invest in stocks, so the possible income is considerable and the risks are not small. Therefore, investors should choose from their own preferences. At the same time, we should also consider the strength of fund management companies. Danger degree: ★★
Profitability: ★★★★★★★
Income pattern: rent and house price rise.
Capital restriction: The initial capital house of a certain scale can not only be used for living, but also be rented or even resold. According to the media survey, real estate was elected as "the industry with the most investment potential" with 40% of the votes, and more than13 of entrepreneurs chose real estate as their investment and financial management tool. It is understood that the annual rate of return on real estate investment in Chengdu in recent years has exceeded 10%.
Key points of investment: Investors can buy the house through bank mortgage, then rent it out, and offset the monthly contributions from the bank through rent, so as to achieve the purpose of "using other people's money to support their own house". Investors can invest in houses and shops. If you invest in housing, you must choose a hardcover building with superior residential environment, geographical location and supporting facilities, or a small and medium-sized apartment or second-hand house with mature residential environment and limited development. When choosing investment shops, we must pay attention to the popularity around the property and the municipal road planning.
Wonderful case: An investor discovered a few years ago that a new road might be built somewhere, so he bought many properties nearby. A few years later, the road was built, and the property he invested in quickly gained great appreciation.
Expert comment: Land resources are becoming scarcer and scarcer, and the rigid rise of house prices is inevitable. However, real estate investment needs a certain amount of financial strength, and the funds should be deposited for a certain period of time. At the same time, house prices are also at risk of falling. High returns have high risks.
Danger degree: ★★★★★
Revenue: ★★★
Income mode: dividends, transaction price difference, and capital limit: unlimited.
Many investors are familiar with the benefits of investing in the stock market. Investing in the stock market, investors can not only get stock dividends, but also get trading price difference income from securities market transactions. Generally speaking, in the case of inflation, choosing stock investment should have good returns.
Investment points: Stock returns mainly consist of two parts. Part of it is dividend income. According to the analysis of listed companies that have published their results in 2003, the highest return on investment is around 6%, which is obviously attractive enough compared with bank interest. Another important source is the transaction price difference income. The way to make a profit is very simple, that is, investors buy a stock and sell it at a certain price. As long as they can buy it low and sell it high, they can get a profit. Because this part of the income may be higher, investors are attracted to invest in stocks.
Wonderful case: In 2003, China stock market began to rebound, and many profitable stocks appeared. For example, China Shipping Development rose from 4.56 yuan at the beginning of the year to 9. 17 yuan at the end of the year, with an increase of10/%,and Baoshan Iron and Steel rose from 4.0 1 yuan at the beginning of the year to 7.72 yuan at the end of the year, with an increase of over 90%.
Expert comment: stocks are investment tools with high investment returns and risks, and investors must control investment risks. Don't play with a bad heart
Danger degree: ★★★★★★★
Profitability: ★★★★★★★
Income mode: futures contract trading price difference
Fund limit: unlimited (3000- 100000)
Corresponding to cash delivery, futures trading is not the actual commodity, but the contract of the commodity due in the future. At present, the futures traded in Shanghai, Dalian and Zhengzhou Futures Exchanges in China mainly include copper, aluminum, natural rubber, soybeans and wheat.
Key investment points: As futures trading is the sale of commodity contracts, 8% ~ 15% performance bond can be used to control 100% virtual funds. The trading rules are small and wide, the unpredictability of commodity prices is high, and the futures market is very risky. However, while taking high risks, due to the amplification of the use of funds, the income is very considerable.
Wonderful case: For example, an investor entered the futures market with 50,000 yuan, and only 1000 yuan was opened for the first time. He bought July copper on February 1 in 2006, and kept it until March 2, 20 13, because the futures products rose by 38%, and the virtual capital controlled was 1 1,000 yuan.
Expert comment: In the futures market, huge profits are accompanied by huge risks. Investors must have enough psychological endurance to intervene in the futures market, and at the same time determine the profit target and the maximum loss limit.
According to the reporter's statistics, excluding interest tax, from February 2007 to June 2008, China's one-year time deposit interest rate was lower than inflation for 17 months. If you count the six months in the second half of 20 12, household savings have been at a "tragic" negative interest rate level for 23 months.
In fact, it has been half a year since the central bank raised interest rates last time.
Lin, a macro analyst at Guosen Securities, said: "The market should remain vigilant. Although the CPI will fall back in June, the central bank may raise interest rates for the first time in half a year before and after the release of economic operation data and start to reverse negative interest rates.