"Real estate, trust and five-color soil", also known as the three treasures of wealth management, all three wealth management products belong to fixed income type, and the yield of 10% is horizontal and stable for a long time. Stocks, funds, gold, foreign exchange, futures and antiques may have a yield of more than 20% or a loss of 20%, and the prices fluctuate greatly; The yield of bank wealth management products is generally around 5%, which is too low to be a treasure of wealth management. The records of the past 10 years show that it is safe and worry-free, and the annual yield is stable in the range of 8%- 12%.

One of the three treasures of financial management, real estate: the annual increase is above 8%

National house price: during the period of 13, it increased by 2.9 times, with an average annual increase of 8.5%. According to the data published by the National Bureau of Statistics, the housing reform began at 1998. In that year, the national average price of commercial housing was 1854 yuan/square meter, and in 201year, the national average price of commercial housing was 538 1 yuan/square meter.

Shanghai house price index: 1 1 year has increased by 2.58 times, with an average annual increase of 9.2%. According to the monthly index data released by Shanghai Second-hand Housing Index Office, the second-hand housing index was 2,584 points in August 20 12, and it was 20 10/000 points in October 2006.

Of course, due to the regulatory policies, the real estate appreciation in China has been very small in recent years, but in the long history of 50 years, we can find that the real estate appreciation is steady. There is an old saying in China that "the toast has money".

The second of the three treasures of financial management, trust: the annual yield is 8%- 12%.

According to NAREIT's calculation, during the 38 years from 1972 to 20 10, the average annualized dividend (dividend reinvestment) rate of the global real estate index is 8.3%.

China Trust issued its first trust product in July 2002. By 20 12 years, it has been issued 10 years. According to the recently released Trust Industry Development Report of China (20 12), 75% of investors' annualized rate of return on trust products in the last three years exceeded 9%, and 50% of them' total financial assets exceeded10 million.

Three treasures of financial management, five-color soil: annual rate of return 10%- 12%.

Five-color soil refers to a large number of transferable assets supported by five types of real estate property rights. A single colored soil costs 500,000 to 50 million yuan, and the term is 1 month to 1 year. (Among them, the five types of real rights of real estate refer to: ownership, usufructuary right, mortgage right, possession right and pledge right). The five-color soil that appeared in 2003 has been running stably for nearly 10 years. It expires in one year. If it is overdue, the five-color soil can be quickly converted into cash.