Adjust the savings structure and improve the deposit income.

As we all know, there have been six interest rate hikes in 2007, especially the sixth rate hike, and the deposit structure has changed significantly. A remarkable feature of this interest rate hike is that the deposit interest rate has not been raised, but has been lowered by 0.09 percentage points. The interest rate of short-term time deposits has increased greatly, while the income of medium-and long-term deposits has not changed much. The three-month time deposit rate rose from 2.88% to 3.33%, with an increase of 0.45%, the six-month time deposit rate rose by 0.36 percentage points, and the five-year time deposit rate only rose by 0.09%. In this regard, experts suggest that after the sixth interest rate hike, the general public should try to reduce the proportion of demand deposits and increase the proportion of short-term deposits in order to enjoy the interest rate of time deposits and ensure the liquidity of funds. The "Questionnaire Survey of Urban Depositors in the Fourth Quarter of 2007" recently released by the central bank shows that with the improvement of residents' recognition of deposit interest rates and the recent repeated shocks in the stock market, residents' willingness to save has stopped falling and rebounded, and the proportion of residents who think that "saving more" is the most cost-effective is 30.2%, which has changed the downward trend for four consecutive quarters and increased by 4.9 percentage points over the previous quarter. Looking forward to the development trend of savings in 2008, with the continuous increase of interest rates, savings deposits will still be the first choice for many residents to invest and manage their finances.

Adjust the loan structure and reduce interest expenses.

The central bank raised the benchmark interest rate of 1 year loan by 0. 18 percentage point from the current 7.29% to 7.47%. The benchmark interest rate for loans over five years remains unchanged; The benchmark interest rate of other grades of loans was raised by 0.09 percentage points accordingly; The interest rate of individual housing provident fund loans remains unchanged. Although the benchmark interest rate of loans over five years remains unchanged, since the central bank has raised interest rates five times this year, the cumulative increase in loan interest rates is not small. For floating rate mortgages, except for a few banks such as Bank of China and China Merchants Bank, most banks began to implement new interest rates at the beginning of the second year. This means that from June 5438+1 October1in 2008, the interest rate increase effect of many loan buyers will appear at one time. At the beginning of 2007, the benchmark interest rate for loans over five years was 6.84%, with a cumulative increase of 0.99 percentage points. According to the relevant regulations, customers who buy the first suite and have good credit standing can get the best interest rate of 0.85 times, that is, they can get a 15% discount on the basis of the benchmark interest rate. At present, the best interest rate over five years has increased from 5.8 14% at the beginning of 2007 to 6.6555%, with a cumulative increase of 0.84 15 percentage points. According to the financial calculator of China Industrial and Commercial Bank, taking the 20-year mortgage of 300,000 yuan as an example, the monthly payment in 2008 will be about RMB 147.04 yuan more than that at the beginning of 2007, with equal repayment of principal and interest and the best interest rate. If the benchmark interest rate is implemented, the monthly supply in 2008 will be about 180.5 yuan more than that at the beginning of 2007. According to the principle of adjusting the loan structure and minimizing the cost, the majority of borrowers should also adjust their loan term and repayment amount appropriately. Borrowers with provident fund loan conditions must change to provident fund loans to minimize loan interest expenses.

Increase your holdings of stocks and choose the right stocks to invest.

After the central bank raised interest rates for the sixth time, the most intuitive change was the increase in interest income. According to experts' analysis, continuous interest rate hikes will have a certain impact on people's financial management, but compared with the high CPI data, the current domestic interest rate level is still low, and venture capital products such as stocks are still attractive. Mr. Du, a new stockholder who only entered the market in 2007, said that the increased interest income is not attractive compared with the potential income of stock trading. Taking 6,543,800 yuan as an example, the actual income of one-year deposit before the interest rate increase was 3,676.5 yuan, and it could reach 3,933 yuan after the interest rate increase, only earning 256. 5 yuan more than the original. Considering the rising prices, it is impossible to preserve and increase the value only by saving and not trading stocks. Many people believe that the China stock market has been running at a high level, and the investment risk has increased. Liu, chairman of the China Banking Regulatory Commission, recently admitted that compared with other countries, China's stock market is not the fastest rising. He also listed the stock market gains of BRIC countries-Brazil, Russia, India and China one by one: from the beginning of 2003 to the end of 2007, the Russian stock index rose by 63 1%, India rose by 596%, Brazil rose by 576%, and the China A-share Shanghai Composite Index rose by 325%. All this information reveals that the stock index may continue to rise in 2008, and some institutions have made bold predictions. It is not a dream that the Shanghai Stock Exchange reaches 10000. However, experts remind that even in a big bull market, you must choose the right stocks to get high returns.

Increase investment in national debt to ensure stable income.

Taking the fifth national debt in 2007 as an example, the three-year coupon rate is 5.74%; The 5-year coupon rate is 6.34% per annum, and the issue rates all hit new highs in the year. After the central bank raised interest rates for the sixth time, the nominal interest rate of 1 year deposits increased from 3.87% to 4. 14%. After deducting 5% interest tax, the real interest rate is 3.933%. The nominal interest rates of 3-year and 5-year time deposits are raised to 5.40% and 5.85% respectively. After deducting 5% interest tax, the actual interest rates are 5. 13% and 5.5765% respectively. Obviously, the 3-year national debt is 0.6 1 percentage point higher than the savings in the same period; The five-year period is 0.7635 percentage points higher than the savings in the same period. Moreover, from the date of purchase, the interest will be calculated by stages in multiple holding periods, such as within half a year, within half a year 1 year, within 2 years after 1 year, and within 3 years after 2 years. Obviously, this is more advantageous than withdrawing savings in advance and implementing the current interest rate. It can be seen that investing in national debt can obtain relatively high, stable and safe economic benefits. In 2008, the interest rate of national debt will hit a new high with the increase of interest rate, and the national debt will still be expanded and sold to the public, which brings new opportunities to those who want to expand their investment in national debt.

Invest in stock funds to create good returns

For those who invest in funds, 2007 was a bumper harvest year, with the returns of 137 equity funds and partial stock funds doubled, and the returns of six funds, such as Huaxia Market Selection, Bosera Theme Industry and China Post Venture Core Optimization, were above 150%. Although it is difficult to reproduce the glory of 2007 in 2008, the income will still be much higher than the general investment. According to the research director of a large fund company, it is estimated that the fund return rate in 2008 is between 10%-30%, which is difficult to reach the high level of doubling in the past two years. Yin Zhe, chief strategist of TEDA ABN Amro, said that the market is still in the adjustment stage, and it is unrealistic to double it in 2008. Fund investors should reduce their investment income expectations, and 30% to 50% is more appropriate. At the investment strategy meeting in 2008, many investors of fund companies suggested that the fund income was calculated at twice the inflation rate, and the income of 10% to 15% in 2008 was reasonable, and the extra income was a pleasant surprise. In the investment strategy of fund analysts in 2008, experts regarded closed-end funds as the first product. According to market analysis, closed-end fund is still a relatively safe investment product in the market because of its discount effect, and it also has dividend expectation for next year, which can be said to be both offensive and defensive. Obviously, no matter people in the industry or experts and scholars, investment funds will bring good returns. Therefore, in 2008, the general public should seize the opportunity to make a good investment choice of the fund.

Invest in wealth management products to get more income.

With the development of modern finance, there are more and more financial products. In June 2007, commercial banks only launched 40 new financial products. Compared with savings, investment financial wealth management products are quite different from bank wealth management products in terms of liquidity, income, transaction methods and product types, and emphasize the function of "investment". Relatively speaking, the interest income of savings deposits is certain. When the deposit expires, the bank will bear interest at the interest rate announced by the People's Bank of China, and withhold and pay interest tax. The yield of wealth management products is uncertain, and the yield you see when you buy these products is only "expected yield". The final rate of return depends on the actual results during the financial management period. Every bank's wealth management products are priced by itself, so even products with the same term and structure may have different yields. According to the income of commercial banks' wealth management products in 2007, they have basically reached the expected income, and many wealth management products have been far higher than the original income expectation. This has injected vitality and vigor into the general public's continued investment in wealth management products in 2008.

Invest in corporate bonds to increase investment income.

According to the latest statistics, with the accelerated development of the bond market, the scale of direct financing realized by issuers with enterprises as the main body in 2007 increased by nearly 40% compared with last year. So far, the total amount of bonds issued, including corporate bonds and corporate bonds, has reached 57122.8 billion yuan, even exceeding the total scale of equity financing in the whole year. According to the investment report issued by Shen Yin Wanguo Securities, the total scale of corporate bonds and corporate bond issuance will jump again in 2008, which provides a good opportunity for people to invest in corporate bonds. Judging from the income of corporate bonds, it far exceeds the income of general savings and other investments. The yield of the recently issued 6.3 billion yuan Shanghai Automotive Separable Convertible Bonds is between 6.0 1% and 22.2 1%, and the central axis of the yield is 18.6438+0%. It can be seen that corporate bonds with high yield, high return and good credit guarantee will attract more investors' attention in the new year.

Do a good job of multi-combination to ensure comprehensive income

Due to the continuous accumulation of individual capital, people are no longer satisfied with a single form of investment. As the saying goes, eggs should not be put in one basket. Although this mostly refers to the safety of investment, due to the timeliness and stage of capital accumulation, the opportunities for investment and financial management are uncertain, which requires people to have certain diversity in the content, varieties and methods of investment. Moreover, some financial products are also combined or packaged, which requires many investors to make diversified financial combinations. With a good combination, investors' income can be improved, investors' interests can be protected, and individual capital's value can be maintained and increased. In the future, most people will invest and finance in the form of portfolio, which will effectively spread the risk of investment and finance, and is a safer and more effective investment form.