In addition, according to Angie, during the Spring Festival, she was urged to get married by her mother, and she had three blind dates. Although she was dissatisfied, she unexpectedly got the man's "meeting gift" of nearly 20,000 yuan. "I have to say that the profession of teachers has attracted many mother-in-law." Angie joked. So what should I invest in this 20 thousand gift?
Financial management objectives
"It is suggested that Angie use part of the gift money to invest in monetary funds, do a good job in investment safety, properly allocate some equity funds, choose one-time investment or fixed investment of funds, and pursue relatively stable expected annualized expected income for long-term investment."
Angie is young, just joined the work, and has a fixed salary, but the surplus is limited. In order to get married in the future, there is an urgent need for rapid growth of wealth in recent years. Therefore, Angela can use part of her salary balance and gift money for fund investment. Common problems and suggestions in fund investment are as follows:
Personal suggestion: Because the investment threshold of private equity funds is relatively high, usually hundreds of thousands or millions, and the investment threshold of Public Offering of Fund is relatively low, generally 1 1,000 yuan can be invested, so choosing Public Offering of Fund is more suitable for Angela's financial situation.
Equity funds: It is estimated that China A-shares will generally show an upward trend in 20 15, and equity funds expect better annualized expected returns. The reason is 20 15, the stock market is relatively loose, the real economy is under great downward pressure, and the inflation data is controllable. The central government is likely to implement a proactive fiscal policy and an appropriate loose monetary policy. The central bank continuously releases liquidity to the market through RRR, interest rate reduction, SLF (permanent loan instrument), MLF (medium-term structural instrument) and reverse repurchase. The policy is more considerate, and the state has continuously promoted the reform of state-owned enterprises and financial reform (asset securitization, deposit insurance system, stock options, Shanghai-Hong Kong Stock Connect, Shenzhen-Hong Kong Stock Connect, registration system, RMB internationalization, etc.). ), rural land reform and judicial reform; The construction of major projects such as the "Belt and Road", nuclear power and military high-speed rail will continue to inject good themes and good news into the market and continuously boost the A-share market.
Bond fund: It is expected that the annualized interest rate in the money market will continue to decline in 20 15, which is good news for bond prices as a whole; However, whether the price of 20 15 bonds can rise depends on the liquidity of the bond market funds. The stock market and the bond market are the two ends of the seesaw. Overheated stocks will inhibit the growth of the bond market.
Monetary Fund: From the perspective of the expected annualized rate of return on investment, it is expected that the expected annualized interest rate in the money market will decline as a whole in 20 15, and the expected annualized rate of return of the monetary fund will gradually decline; From the perspective of investment risk, money funds mainly invest in money market instruments, such as short-term government bonds, large negotiable certificates of deposit, commercial bills, bank acceptance bills, etc. And the risk is very low.
20 15 is the year of reform and reorganization of state-owned enterprises, and the stocks of listed companies corresponding to each major asset reorganization may go through the process from fixed suspension to resumption of trading. Public Offering of Fund, who chooses to increase his holdings of the stock three days before the resumption of trading (it usually takes T+2 working days for the fund to subscribe by appointment), may get unexpected annualized expected returns in the short term.
Graded funds, also known as "structured funds", refer to the types of funds that form two-level (or multi-level) risk expectations and certain differentiated fund shares by decomposing the expected annualized expected returns or net assets of funds under a portfolio. Its main feature is to divide the fund products into two types of shares and give different expected annualized expected income distribution. From the point of view of classified funds that have been established and are being issued, they are usually divided into two types of shares: low-risk expected annualized expected income side (Class A) sub-fund and high-risk expected annualized expected income side (Class B) sub-fund.
Among them, the purchase of Class A sub-funds generally enjoys a fixed expected annualized expected return, while the purchase of Class B sub-funds generally enjoys expected annualized expected return and excess risk.
Common B-level funds include small and medium-sized board B (150086,), Growth Enterprise Market B (150 153, which is the main trading) and real estate B (150 193, which is the main trading). Information, main trading), military B (150 182 shares, quotes, information, main trading), etc. The investment target is the stock index or industry sector, which will generally increase the leverage by about 2 times. In the case that the index or sector income is established, investing in the corresponding graded funds can obtain short-term annualized expected returns that exceed expectations. For example, in order to stimulate China's economy and change the current state of deflation, the central bank expects to strengthen the implementation of loose monetary policy on 20 15, and the expectation of reducing RRR and interest rate is even greater, which will be extremely beneficial to the real estate sector. If you can't grasp the specific real estate stocks, you can buy graded fund real estate B (150 193 shares, the main trading) on the stock trading software and make short-term investment when good news appears. This kind of fund fluctuates greatly and has high investment risk. Only suitable for ultra-short-term speculation, not suitable for long-term holding.
"In view of Angie's young age, relatively stable teacher work and steady increase in future income, it is recommended to accumulate 2,000 yuan per month for long-term investment, and fixed investment by equity funds is a more suitable investment method."
First of all, sort out the financial situation
Angela's financial situation is relatively simple, with a total of 25,000 yuan in gifts and savings. The monthly fixed income is 4000 yuan, the fixed expenditure is 2000 yuan, and the monthly investment fund is 2000 yuan.
Angie is single, but she has reached marriageable age and started dating. It is estimated that she will get married and start a family soon. Therefore, Angie's financial planning should not only take care of the monthly cash flow, but also consider the future family formation.
Two. Popularization of fund knowledge
In view of Angela's little understanding of fund investment, the main aspects of fund investment are as follows:
First of all, for Anji, investable funds mainly refer to Public Offering of Fund. Anji can buy the fund from fund companies or other agencies, and the bank has become the main agency of the fund because of its extensive network and steady operation. Secondly, there are many types of funds. Thirdly, the purchase of funds involves different types of fees, such as subscription fees or subscription fees charged when purchasing or subscribing funds, redemption fees charged when redeeming funds, or switching fees between different funds of the same fund company, and so on. Of course, different types of funds have different rates. For example, the subscription rate of domestic stock funds is generally 1- 1.5%, while the subscription rate of bond funds is below 1%. Money market funds generally do not charge subscription fees.
If you want to know more about fund investment, Angela can buy a book on fund investment and read one or two. Of course, the most direct way is to go directly to fund companies or bank outlets for on-site consultation and fund investment, which will be more profound and effective.
Third, how to achieve financial goals?
Angie earns 4000 yuan a month and spends 2000 yuan. Supposedly, she should have 2,000 yuan in deposit every month, but actually only 1000 yuan, 1000 yuan disappeared unconsciously. In order to control unnecessary expenses and increase monthly savings, it is suggested that after the monthly salary is paid, we should invest 2000 yuan first, and the rest of the money should be lived within our means to achieve the monthly savings goal.
Because Angie is very young, her teaching work is relatively stable and her income will increase steadily in the future. Therefore, it is recommended to accumulate 2,000 yuan per month for long-term investment, and the fixed investment of stock funds is a more suitable investment method. In view of the small amount of monthly investment, Angie can choose domestic funds with investment opportunities at present to continuously consolidate her long-term investment.
Now is a good time to invest in the domestic capital market. The reform of state-owned enterprises, monetary easing, residents' adjustment of large-scale asset allocation and stock allocation are all beneficial to the domestic capital market.
A variety of domestic funds sold by DBS Bank have achieved good expected annualized expected returns. For example, Shanghai Morgan Domestic Demand Power Fund has increased by 14% year-to-date, Shanghai Morgan Emerging Power Fund has increased by 17% year-to-date, and Changsheng Electronic Information Fund has increased by 36% in the past year (the above data is as of 2015,65438+129 October). In addition, customers can directly subscribe for domestic funds suitable for their own risk level through online banking, and the subscription rate is halved. If Angie is interested, she can make a risk assessment at the outlet of DBS Bank first, and the account manager will choose a suitable fund for her according to the risk assessment results.
Under normal circumstances, Angie will get married and start a family soon. It is suggested that Anji reserve enough reserve fund for the accumulated 25,000 yuan, and then make reasonable asset allocation to obtain certain expected annualized expected income and maintain good liquidity.
Generally speaking, you need to set aside 3-6 months of daily expenses as a reserve fund in case of emergency. In view of Angela's stable monthly income, she can keep her daily expenses for three months, such as 6,000 yuan as a reserve fund. Of course, you don't have to deposit all of them in a current account. You can invest in daily redeemable wealth management products or money market funds, and expect annualized expected returns with high liquidity.
The remaining 19000 yuan can be simply allocated to reserve a sum of money for the upcoming marriage and children. In view of the fact that Angie may use this fund in the near future, she can adopt a cautious investment strategy. In the choice of investment varieties, because the monthly fixed investment of the fund has been invested in stock funds, this fund can be invested in bond funds in a large proportion, such as 60% in bond funds and 40% in partial stock funds. Of course, the specific investment ratio needs to be finally determined according to Anji's risk preference.
Of course, with the accumulation of future investment amount and the change of personal situation, angels can gradually adjust their asset allocation ratio to meet their own needs to the greatest extent and realize the steady growth of wealth.
In addition, the safety of individuals and families is also a very important part of Anji's asset allocation. With the increase of income and the accumulation of wealth, Angel can gradually buy insurance for himself, and the most basic one is critical illness insurance. It is suggested that Angel buy a small amount of critical illness insurance when he is young, and add a guarantee without affecting the quality of life.
A journey of a thousand miles begins with a single step. The same is true of investment. Anji needs to take immediate action and develop good financial habits with investment awareness. What does it matter if older women are left behind? If you invest in your own financial management, you can live a good life.
Introduction reading
How does a working-class family of three with a monthly income of 3,000 yuan manage their finances?
Smart women share life, manage money 5 rules, and learn to spend wisely.
Financial management of young people with a monthly income of 10 thousand yuan in Wuhan in the post-house-buying era
Foreign executives with an annual salary of 200,000 have flexible financial management and ingenious family pressure release.