The official of Yu 'ebao said: In order to maintain the stable operation of Yu 'ebao, safeguard the fundamental interests of investors and better serve the public investors, Tian Hong Fund Management Co., Ltd. will adjust the service rules of Yu 'ebao from February 1 day, 2065438, and set the total daily subscription amount of Yu 'ebao. Yu 'ebao is on sale at 9: 00 every day until it is purchased that day.

But there is a problem here. We don't know the total daily subscription amount of Yu 'ebao.

If you buy it too late, you may not be able to buy it successfully because the total amount of Yu 'ebao is full that day.

Secondly, we don't know when it is "too late".

According to the experience of palm wealth, before 9: 30 every morning, the quota for that day has been used up.

This means that in order to put money into Yu 'ebao, we have to get up at 9: 00 every morning to "rob" it, and it is out of date.

In addition, the daily subscription amount of Yu 'ebao's personal trading account is adjusted to 20,000 yuan (including active transfer, automatic balance transfer, salary transfer and desire savings). If it is judged that the transferred amount will exceed 20,000 yuan, or the total amount held by individuals has exceeded 65,438+10,000 yuan, the transfer to Yu 'ebao will not succeed.

Palm Wealth learned that many people gave up Yu 'ebao due to the increase in the rules and restrictions of Yu 'ebao.

Then, Yu 'ebao has started to limit purchases. Where can we put our money?

Before talking about this problem, please consider the following questions.

1, personality judgment class

What kind of person am I? Am I passionate or calm as water? Am I willing to take risks? Am I willing to accept the challenge? Will the loss make me extremely uncomfortable? Are there many people who say that I am particularly stubborn? Do I sometimes feel confident for no reason? Do I often regret some decisions? Did anyone say that I was wise after the event? Do you often buy it at buy buy, and then you can't wait to chop your hands when you come back? Do I do things in a planned and organized way? Do I have enough financial knowledge and skills? Do I have enough time and energy to invest and manage assets?

2. Realistic judgment class

What is my financial strength? How much money do I have now? What stage has my career entered? How many old people in my family need to support? How many children do I have to raise? Me and my wife (sir? How is your physical condition?

3. Future planning categories

What is my big spending plan in the future? When to buy a house? Buy just needed or luxury house? When to buy a car? Wuling Hong Guang or Lamborghini? Does the child have any plans to study abroad? Going to Hong Kong or the American Empire? Do you plan to start a business in the future? Open a small shop or do you want to achieve something?

4. Personal preference category

Do I have any special preferences and feelings about a certain kind of assets? Still particularly disgusted?

Well, after in-depth self-questioning, everyone can now basically determine: what is the overall expected rate of return on my assets? How much loss can I bear? In order to buy a house, how much money do I need to save, how long do I need to save, and what kind of rate of return can I bear for this part of the money; In order to buy a car, how much money do I need to save, how long the term is, the rate of return and the risk; Wait, wait, wait.

On this basis, you can choose assets for asset allocation according to the rate of return, term structure, risk and cash flow structure of different assets to match the future capital demand. The following asset allocation process must be considered as a family as a whole.

As long as it is a legal asset, there is no good, only suitable. It is hooliganism to recommend assets casually without considering your actual situation. It is also irresponsible of you not to invest according to your own conditions.

1, stock

Whether to play stocks or not depends mainly on your psychological endurance. As for how much and how to match it, it depends on your own conditions. If you are radical in style, want to get higher returns and can withstand greater fluctuations, you can match more, but if you can't, you can match less. If the fluctuation of the stock will have a great influence on your mood, it is ok if it is not worth it.

Why do you say stocks first? After all, for individuals, this is an asset with the highest rate of return and relatively good liquidity.

As a middle class, if you want to match a large amount of cash outflows such as buying a house and starting a business in the future to a great extent, and don't want to bear greater debt pressure, stocks are the only asset you can do.

There are many ways to invest in stocks. Your own stock trading needs high timing and stock selection ability. If you weigh it repeatedly, you can consider it. However, everyone must know their own investment style, personality and expected rate of return before stock trading, and formulate investment discipline and strictly implement it. If conditions permit, while investing in A shares, we can consider allocating some Hong Kong stocks and US stocks. After all, diversification is a means to control risks when there are not many personal hedging methods.

People who are rational enough to realize their weight are recommended by institutional investors.

If you have more funds, you can consider investing in private placement. After all, the incentive mechanism is different. But be careful when choosing private placement. 95% of the private placements in the market are unreliable, and more than half of the products will be liquidated within one year.

If you have little money, you can try to invest in public offering. Public offering depends on the star fund manager raised by Dagong. Why choose the star fund manager raised by Dagong? Because there are many resources raised by the general public, most of them will be concentrated on star fund managers, especially the new star fund managers who will be promoted recently. They have concentrated a lot of resources, and their performance will be more eye-catching in a certain period of time. If you have more time, look at his annual and semi-annual fund reports to see if his investment ideas are clear and his logic is meticulous.

In fact, there is a very effective means to invest in stocks, that is, investing in the broader market. This method is extremely suitable for people who have no energy and related knowledge, self-knowledge and perseverance.

If you want to save a study abroad education fund for unborn children, you can invest 3,000 yuan every month, and the annualized return of 8% is about 1.78 million yuan, which is enough for children to study abroad without scholarships. In addition, fixed investment can easily simulate the current overseas asset allocation. If you are interested, you can try the Standard & Poor's 500, Nasdaq 100 and DAX30 index. The reason for the simulation is that the current overseas index fixed investment is only an index connection, that is, it follows the fluctuation of the index and ignores the fluctuation of the exchange rate.

2. Fixed income products

At present, there are many kinds of domestic fixed income products, from bank wealth management to bonds to trusts to babies. Although the interest rate is falling now, the fixed-income products of individual investors are still worthy of allocation under the current situation that the stock market fluctuates and the exchange rate has not been broken.

Bonds are basically not open to individual investors, but they can invest in debt bases. Better bond fund returns are also good, and the return of debt-based continuous pledge plus leverage is generally better than that of individual long-term buying and holding.

In addition, you can invest in some bond-linked products. Many baby products and wealth management investment targets are corporate bonds, corporate bonds, short-term wealth management, and winning tickets.

In addition, if the amount of funds is sufficient, you can invest in the trust. The trust basically started at 6,543,800 yuan, and the current rate of return can reach more than 9%. But pay attention to whether there are relevant regulations at the bottom.

Fixed income products have a variety of maturities, ranging from 1 month to several years, which can be used to match cash outflows with different maturities and clear purposes. For example, at the beginning of the year, I planned to travel abroad to the island in summer. This part of the money can buy a product for 180 days, and I hope to study for MBA next year. This money can be invested in a product of 1 year, and so on.

3. Cash management products

Such products include Yu 'ebao mentioned in the title, some products of WeChat Wealth Management, and various treasures launched by various funds.

This kind of products is characterized by T+0 or T+ 1 withdrawal, and the yield is better than the bank deposit interest rate in the same period, but it is not very high. The allocation of cash management assets is mainly aimed at daily expenses and cash outflows that are urgently needed at any time. Nowadays, many people basically don't put too much cash in their hands. There is only about 1000 yuan in the wallet, so why do you usually swipe your card? Put the cash you plan to use every month into cash management products, take it at any time, and enjoy a certain income.

Cash is an interest-free asset, and it is the stupidest to hold a lot of cash or bank demand deposits.

These products are highly liquid and can provide a certain rate of return, which can be regarded as quasi-cash assets. But it is not recommended that you enlarge cash in cash management products.

On the one hand, the price of strong liquidity is low yield. Yu' ebao is now 4% annualized on the 7 th, and WeChat Finance is about 4.5%. On the other hand, the yield of these products is not fixed and fluctuates every day.

4. Insurance

Insurance is mainly used to resist all kinds of risks in the future. If you are the pillar of your family, you should at least buy yourself an accident insurance and supplementary medical insurance. If parents' age permits, buying some critical illness insurance for parents will help alleviate the economic pressure in the future.

Whether to invest in investment-linked insurance has always been controversial. Zhang Wealth believes that the investment value of investment-linked insurance is not great. Insurance sales tell you that 80% of the income of15 looks like a lot, but it is actually less than 4% annualized, which is equivalent to the level of Yu 'ebao. Investment-linked insurance is essentially insurance, and whether to invest mainly depends on whether to meet the insurance demand of funds. It is certainly good to have a certain investment income on the basis of meeting the insurance demand.

5. Alternative investments

Alternative investment Today we mainly talk about real estate.

First of all, unless you can live by yourself, don't choose to buy a house outside the first-tier cities in China for the purpose of investment, especially in areas with net population outflow such as Northeast China.

Because the most fundamental property of a house is living, the main support of its demand is the local permanent population and the level of economic development. China's demographic dividend era is over. When the population begins to grow negatively, especially the young and middle-aged people in the period of marriage and childbearing begin to decrease, the demand for real estate will gradually decrease (parents usually have at least one house, and they are old, and there is little demand for the first set and the first exchange). This phenomenon will be particularly obvious in areas where the population flows out.

The birth rate itself is declining, and the quality young and middle-aged population is still flowing out. The shortage of regional real estate demand caused by slow economic growth and net population outflow has appeared in many cities (especially in Northeast China). Therefore, palm wealth does not support holding real estate outside first-tier cities for investment purposes. After all, when the crisis comes, the house is the least liquid asset.

Finally, holding gold is good. Besides investment, it can also be used as a family heirloom and as a hedge in times of social unrest.

The price fluctuation of virtual precious metals and commodities is risky. There are many factors that need to be studied and analyzed, and you need to have high quality. It is not recommended to trade precious metals in any local exchange except the last one. Basically, 100% are fraudsters.

The above is a brief description of the main assets that ordinary domestic individual investors can access. You can determine the type and proportion of investment products according to your preferences, personality characteristics, needs and expenditure structure. In this way, the main body already has a relatively scattered investment portfolio including equity, fixed income, cash, insurance, real estate, gold and silver, which has resisted the main risks and expenditure needs of life.

In the future, we can continue to adjust according to the actual situation in order to pursue the optimal allocation of family assets in the life cycle. The assets that life can hold are not only Yu 'ebao, but also Yu 'ebao. Yu 'ebao is restricted to purchase, and we still have many choices.