Since the end of last year, the consumer price index (CPI) has remained above 3% for several months. At the same time, there are signs that the central bank has no plans to raise interest rates at present, which means that it is a loss to deposit money in the bank.
Take one-year time deposit as an example, the interest rate is 1.98%, and after deducting 20% interest, the actual after-tax income is 1.584%. If the CPI can be maintained at 3% this year (many experts and scholars expect it to reach about 5%), it will lose 1.4 16% if it is saved for one year.
In this case, if you don't actively manage your money, you can only watch your assets drop bit by bit, but actively managing your money requires professional knowledge, experience, time and energy, which is exactly what most people lack. The professional financial management image of the fund is gradually recognized by investors, and it is logical for some bank savings to be transferred to the fund.
Not long ago, a survey of residents in the first quarter of the central bank showed that under the current price and interest rate level, the proportion of residents who chose "buying stocks or buying funds" was 1 1.4%, up 5.4 percentage points from the previous quarter and 5.8 percentage points from the same period last year, which was the quarter with the largest number of choices since the third quarter of 20001.
The second reason: "Can't be a fund"
As I said before, for various reasons, most people can't do stocks or funds. Statistics show that the average return rate of equity funds that operated for one year last year exceeded 18%, and the average return rate of equity funds that operated for about half a year was also above 10%. However, due to the sharp differentiation of the stock market last year, most investors are still at a loss.
"I feel that I can't do the fund." An old stockholder who has worked hard in the stock market for 78 years explained why he subscribed for the fund. There should be many investors who feel the same way. It is reported that Guangzhou Securities sold more than 20 million yuan in just a few days after selling Yinhe Yintai Financial Dividend Fund on a commission basis, and the Guolian An Desheng Small Cap Fund just launched by Huaxia Securities sold tens of millions of yuan in just three or four days. The investor survey conducted by this newspaper also shows that 30% investors have subscribed to the fund, and 1% investors are interested in buying the fund, which is also the reason why stock funds are particularly popular at present.
The third reason: limited investment channels.
At present, residents' savings have exceeded 1 1 trillion yuan, but the investment channels are still very limited. Although the collective financial management plan of brokers has been justified, the detailed rules have not yet come out, and it is difficult to launch it on a large scale in the short term. And at this stage, the "credibility" of brokers is not as good as that of funds. In addition, there is still great doubt whether the stock operation ability of brokers is stronger than that of funds.
The fourth reason: a wide range of choices.
There are many kinds of open-end funds to choose from, including low-risk return varieties and high-risk return varieties. Fund companies can also provide fund portfolios with different risk-return levels according to the needs of investors.