What are the main insurance investment and financial management?
Insurance investment and financial management mainly includes: 1, money fund+bank credit card, which allows consumers to get an interest-free period for a certain period of time when overdrawing their credit cards, generally 20 -60 days. Since there is no annual fee for credit cards at present, or the annual fee can be waived only by swiping the card several times a year, consumers can use these overdraft limits for free during the interest-free period. The overdraft can be used for investment. Financial experts suggest that it is more cost-effective to invest this part in low-risk money funds or short-term debt funds. The annual rate of return can reach about 2.5%, and the annualized rate of return of the Monetary Fund in the first half of the year is 2.8%. Recently, the annualized rate of return has decreased to about 2%, but it is much higher than the after-tax rate of 0.58% for bank demand deposits.
2. Monetary fund+stock investment. This insurance portfolio is a classic combination of capital preservation assets and risk assets. By the end of June, 2005, the size of the Monetary Fund had reached180.3 billion yuan, accounting for about half of the total fund. Recently, the subscription of two low-risk short-term debt funds is very hot, with subscription amounts of 4.58 billion and 1 14. 1 100 million respectively. Low-risk money funds or short-term debt funds have become the first choice for investors to invest in capital preservation assets.
3. Equity funds+book-entry treasury bonds. This kind of wealth management portfolio is an ordinary stock fund portfolio with a slightly higher risk tolerance. Careful selection of excellent stock funds and book-entry treasury bonds investment can not only avoid the risks brought by some stock funds investment, but also be more flexible in liquidity. Financial experts suggest that due to the different investment strategies of stock funds, the investment returns and risks between funds are also very different, and investors should focus on fund companies and specific funds. 4. Bond fund+stock investment. This financial portfolio is a medium-risk investment portfolio with comprehensive consideration of income. In the first half of this year, the bond market rose like a rainbow, and the yield of bond funds was the first of all funds, with a weighted average net growth rate of 3.09%. Since the end of June, the yield of bond funds has also reached about 4%.
Understand the importance of insurance investment and financial management
Everyone should make rational use of their own assets, so that every penny can give full play to the best benefits. Don't neglect reasonable arrangements because you have no money or less money. Everyone can skillfully arrange their own money, even if their income is small, they can get a surprising result. The importance of insurance investment and financial management is mainly manifested in: investment and financial management can make individuals and families in the best state, thus improving the quality of life. How do you make effective use of every penny and seize every investment opportunity in time? In fact, the secret of investment and financial management is to increase revenue and reduce expenditure, and strive for capital gains. The so-called throttling means planning consumption and budgeting expenditure. Investing in financial management is not only to make a fortune, but also to enrich the connotation of life. Successful investment and financial management can increase income, reduce unnecessary expenses, improve the living standard of individuals or families, enjoy abundant economic ability and reserve future pension needs.
Through the above introduction, I believe everyone knows better. In addition, there are many types of insurance investment and financial management, which can be reasonably selected according to their own situation.