In order to resist inflation, this year's investment and wealth management products should mainly include the following contents:
Bond products
From the macro-control strategy, China will still implement a tight monetary policy and a prudent fiscal policy this year, and the scale of bank credit will be limited, encouraging enterprises to directly finance. The implementation of these policies is conducive to the development of the bond market, and the continuous rise of the market base interest rate is also conducive to the active bond product market.
Compared with stock investment products, bond products have lower risks and more stable returns. Appropriately increasing the proportion of bond-type wealth management products, such as bond funds and bond bank wealth management products, is conducive to stabilizing the combined income in this year's volatile market. It is estimated that bond wealth management products will reach 5% to 15% this year.
Partial stock fund
Although the stock market is now in a period of shock, there are still some people who invest in stocks and funds who are trapped. However, there is reason to believe that with the continuous appreciation of RMB and the rapid development of China's economy, the securities market will definitely improve in the long run. However, due to the lack of certain experience and information, ordinary investors have to take greater risks in the stock market. Therefore, at the bottom of this stage, proper selection of stock funds and index funds will certainly achieve rich returns.
From the perspective of mature markets, equity funds are long-term effective anti-inflation tools. According to statistics, during the 20 years from 198 1 to 2000, the inflation rate in the United States was around 5%, while the average annual return rate of equity funds was about 12%, which outperformed inflation.
Bank financial products
Although the income of some bank wealth management products is zero or even negative now, the income and risk are equal. There are many kinds of bank wealth management products, including capital preservation type and non-capital preservation type, which are divided into bond products, trust products, QDII products, structured wealth management products and so on according to the investment direction. The first two are basically capital preservation, and the last two are non-capital preservation. Of course, the income is different.
Generally speaking, wealth management products can meet the financial needs of short-,medium-and long-term funds, and meet the needs of investors with different maturities and different risk preferences. Trust bank wealth management products can be invested in listed companies, non-listed high-quality enterprises, or in separate projects, with high security and stable income, and investors can allocate more.
Actual assets
Investors with a large amount of funds can consider partially allocating physical assets such as gold and real estate to effectively resist inflation risks. With the arrival of golden decade, compared with savings and national debt, gold investment has higher income, easy realization and strong liquidity. Therefore, gold may be included in personal investment portfolio as a means of maintaining and increasing value. Generally speaking, in order to cope with inflation, middle-class families should collect at least 500 grams of gold, and ordinary families should collect at least 100 grams of gold. At present, the gold investment products on the market are generally paper gold, physical gold and gold margin trading.
Although the state has carried out strict macro-control on the real estate market, the high rental return rate of real estate investment is the basis for measuring the value of real estate. Grade A office buildings, houses with high rental returns and high-quality shops are all worthy of attention. However, real estate investment occupies a large amount of funds, is not easy to realize, and has high requirements for location and regional selection, and also has certain risks. When investing in real estate, we should pay attention to controlling the household debt ratio to 30% to 50% of the total assets of the family.