1. Personal gold speculation: Entering the "golden" period, with the opening of the domestic gold investment field, the demand for gold will increase substantially. In 2004, the price and fee of gold jewelry will be separated, the consumption tax of 5% is expected to be cancelled, and the gold futures market is also expected to be launched. For China people who have always had the habit of buying and hiding gold for financial management, gold will undoubtedly become a popular investment variety in 2004.
2. National debt: In the era of value investment, there is not much room for growth in the national debt market in 2004, but for ordinary people, there will be good investment choices in both investment varieties and interest rates. Judging from the rise in the interest rate of the fourth national debt in 2003, it is possible for the interest rate of the national debt to rise locally in 2004.
Third, the stock market: many opportunities In 2004, the stock market was full of opportunities. After nearly three years of decline, the market price-earnings ratio is improving structurally, and both external environment and internal conditions have prompted the securities market to rejuvenate. Institutional investors will dominate the market, the concept of value investment will be further reflected, and the exchange will also launch a series of new investment varieties and innovative tools.
Four. Funds: Changing the Traditional Saving Habits. A large-scale survey on "Residents' Investment and Financial Management Needs" recently completed by southern fund Management Company shows that funds, deposits, national debt and stocks are the most important investment channels for China residents at present and in the next three years. Among them, funds have obviously surpassed deposits and become the first choice for China residents to invest and finance.
Trust: entrusted financial management is highly sought after. In 2004, the innovation of trust products will be colorful and will also create many opportunities for investors. As far as the management of trust products is concerned, the management of trust by CBRC is relatively market-oriented, and the innovation of trust industry can freely connect with money market, capital market and physical trade market. In terms of product design, trust companies can also bundle some trust products in industrial fields in the securities investment plan, and innovate various products suitable for different investors.
Sixth, saving: the scenery is still around. Recently, the central bank expanded the floating range of loan interest rates, especially the floating range; Allow the deposit interest rate to fall; He also said that this year we should further expand the variety of interest rate marketization and form a benchmark yield curve. Some banks have taken the lead in lowering Hong Kong dollar interest rates. The deposit interest rates of rural credit cooperatives in some cities and counties such as Zhejiang, Fujian, Heilongjiang and Jilin can rise by up to 30%. The downward floating policy of residents' savings deposit interest rate is about to be cancelled. Therefore, under the premise of considering the safety of deposits, residents may wish to choose their own financial institutions and varieties by "shopping around".
7. Foreign exchange market: There are many opportunities and great risks. In 2003, the continuous decline of the US dollar exchange rate made more and more people avoid the exchange rate risk of international currencies through personal foreign exchange transactions, which also promoted the popularity of the foreign exchange market to some extent. I believe that the world will not be calm in 2004, and the changeable 2004 will also bring more opportunities for people to speculate in foreign exchange.
Eight, shops: the value is slowly emerging. "One store, three generations" is really attractive to ordinary people. In 2003, in Shenzhen, Beijing and other places, there was a promise of zero down payment to buy a house, which greatly lowered the investment threshold. The brand-new "property right investment and financial management" mode adopts the mode that investors invest in home ownership, have completely real property rights, and the operating company unifies the rental management, so that the investment owners can finally stabilize the income, effectively lower the investment threshold and ensure the stability of the income. In 2004, various new store investments may create some opportunities for investors.
9. Corporate bonds: The investment value cannot be underestimated. The development of corporate bond market in China is seriously lagging behind, and there is huge room for development. There are signs that the issuance of corporate bonds may accelerate. Recently, the central bank report clearly stated that "the interest rate of corporate bonds should be steadily reformed", and the Regulations on the Administration of Corporate Bonds is also expected to be promulgated in 2004. In 2004, corporate convertible bonds, floating rate bonds, subordinated debts and banks may become good investment varieties.
X. insurance: the purpose is to spread risks. Buying insurance is first of all basic medical insurance, followed by critical illness insurance, then endowment insurance, and finally investment insurance is considered. Different income levels should also be considered differently: under the premise of joining social pooling insurance, low-income families have basic protection. At this time, what needs to be considered is the type of protection such as personal accident insurance. If the income situation is good, you can consider endowment insurance; On this basis, middle-income families can consider buying some safe investment insurance with guaranteed income; For high-income families, insurance such as hospitalization subsidy can be considered to improve the quality of life under the condition of basic guarantee, and some investment insurance with relatively high risks can be carried out.
We think insurance is our least important financial tool, but it is absolutely indispensable!
This question is indeed the focus of attention today, and everyone wants to find out the answer! Individuals will continue to learn and understand financial knowledge, continue to rationally allocate the proportion of capital investment, and gradually adjust from short-term income to medium and long-term to ensure the safety and development of their assets. I hope everyone can discuss with each other; Help each other!