When someone mentions a fund, they associate it with stocks, thinking that the risk is too great, so they should hurry away, oppose it first, and even don't want to talk about it. I think it is necessary to subvert the cognition of these people: so far, no broad-finger fund has lost money, but it has earned some more or less, and most of them are much higher than bank deposits.
During this period, bank financing has experienced many storms. First of all, the Qian Duan APP represented by China Merchants Bank broke out. At that time, the publicity materials of China Merchants Bank read: Qian Duan was developed by a third-party company entrusted by our bank, and all wealth management products in Qian Duan are the assets of our company, which is safe and reliable. But in the end,14 billion, more than 9,000 households are still deeply involved in claims disputes and have not received a clear answer. Not long ago, ICBC also revealed that wealth management products were overdue and could only repay the principal. Everyone thinks that the safest bank financing has always been much cry and little rain, but the wide index fund has never made a mistake. It only divides good years and bad years, so there is no danger of thunderstorms if time drags on.
Generalized index funds choose the best and largest companies in the market. If these companies go bankrupt, it will affect the fundamentals of the country. Therefore, as long as you have confidence in the country, you can buy with confidence.
Pioneer Fund Company, the first index fund issuing company in the world, once made a statistic. During the 80 years from 1935 to 20 15, the annualized rate of return of the Standard & Poor's 500 Index was 1 1.25%. From the perspective of 80 years, no active fund or any wealth management product has a higher return than the S&P 500 index.
The generalized index fund in China, CSI 300 or CSI 500 index, has an annualized rate of return of 9.8%, which is far higher than deposits and most wealth management products. If it is a product like CSI 50, the income can be compared with the best active fund.
Charles Munger made the rate of return very clear. If you choose a product with an annualized rate of 4% and give up a product with an annualized rate of 10%, you are not giving up 6%, but giving up 99%. Because under the effect of compound interest, the former will bring 3.2 times the income after 30 years, and the latter will bring 17.4 times the income. I seem to have given up only a little, but I may have given up another life.
I read from the media that many people are against financial management. They only agree with the safest and most secure deposits, and some even say that financial management is the biggest scam. At present, many foreign universities have financial and business courses, and there are special courses, such as Harvard financial and business courses, to teach people how to manage their finances, which can be heard in the Himalayas.
A little knowledge of economics and financial management is beneficial to ordinary people.
Financial management should be steady and neglected for a long time, and the income should be good. Under this requirement, I think there are three products.
The first file is five-year time deposit and five-year national debt, because these two products have no risk and volatility, and the interest rate is fixed. The interest rate of five-year treasury bonds in 2065438+2008 is 4.27%, and there are many five-year fixed interest rates of commercial banks, which can reach 5.5%-5.6% at the highest. The reason why it is placed in the first file is because it is absolutely safe and the income is moderate, so there is no need to worry during the investment process.
The second file is mainly some wealth management products. There are mainly several types: rolling open financing (such as the latest net worth financing of banks) and long-term closed financing. Of course, for the sake of safety, bond financing is the main choice, and the yield is also good. Closed financial management is relatively higher than open financial management, which is more in line with the requirements of the topic. It cannot be managed and redeemed after purchase. 364 days of closed-end financial management, the yield is generally 4.7% or 5%.
The third gear is money fund and bond fund. These two products are basically qualified, but each has some defects. The main deficiency of the money fund at present is that the annualized rate of return is too low. Most funds are currently maintained at around 3%, and the rate of return is not high or low. The yield of bond funds this year is very high, with an average of 5.22% for short-term bonds and 5.4% for long-term bonds, but one limitation is that the volatility is slightly higher than other types.
The above are some suggestions, but since you have chosen financial products, don't hold the idea of "fooling" financial management. At least you have to know the direction of your choice of wealth management products, whether you ask or not, it is definitely impossible. Either you know how to manage your money yourself, or you can find a professional to help you manage your money, so that you can get high returns.
With the development of the financial industry, investors are dazzled by a wide range of wealth management products, and they don't know how to choose. In fact, investment and financial management are considered from three points: yield, safety factor and liquidity. The yield is inversely proportional to the safety factor, and the higher the yield, the lower the safety factor. Therefore, the products that the landlord wants can only be products with high relative yield under the premise of safety.
First of all, Peng Kun first recommended bank time deposits. With the implementation of the bank's self-financing policy, interest rates have increased, especially in some local banks and small banks. The one-year fixed deposit rate is 3.0%, the three-year fixed deposit rate is 4.25%, and the five-year fixed deposit rate is as high as 5.5%. In terms of stability, bank deposits are the most stable, and 500,000 deposits are underwritten by insurance companies. Even if the bank goes bankrupt, the bankruptcy principal will not affect it. And don't worry about it, the income is good, much higher than the money fund.
In addition, online regular wealth management products are also good. According to different closed periods, the yield is different, ranging from 3.5% to 5%. The closure period ranges from 7 days to 365 days. Invest more in low-risk products, the safety factor is guaranteed, and management is not needed. You can choose to renew the fee, which will be renewed automatically when it expires, and there will be no gap period.
Of course, the product safety factor of bank wealth management products below PR2 level is also guaranteed, and the yield is about 3.5%-5%. However, it has the problem of interval, and it is necessary to find the next suitable product when it expires.