Since 2007 10, the A-share market has undergone a small adjustment for nearly three months, but in the late 1 0 of the new year, the adjustment showed signs of acceleration. This also makes many investors who hold stocks or equity fund assets complain bitterly. There are also many people in the industry who have expressed their views on the current situation. Some people think that the A-share market has entered a bear market, and investors are advised to leave early. Others are confident that the fundamentals of the domestic economy have not changed, the situation of abundant funds has not changed, and the bull market of A shares will continue, but unlike the bull market in 2007, they predict that the A-share market will change from "fast cow" to "slow cow". I believe many investors must weigh these two views. Some financial planners put forward suggestions: wait and see for the time being, and make steady investment first. The reason is that whether it is a bull market or a bear market, "fast cow" or "slow cow" is not determined by individuals or institutions, but depends on the market. When the situation is uncertain, the wisest choice is to wait, but waiting can't be "cash is king". In order to maintain the value and increase the value of assets, investors should choose some stable investment products to invest. At present, the stable investment products on the market mainly include savings, treasury bonds, corporate bonds, money funds, bond funds, stable investment insurance, capital preservation or capital preservation income-based wealth management products. These products also have their own characteristics: savings: various types, different maturities and strong selectivity. Investment analysis: At present, the situation of domestic excess liquidity has not been completely controlled, and it is still possible to raise interest rates. A number of institutions issued research reports that the central bank will raise interest rates more than twice in 2008. Therefore, investors should still focus on short-term when choosing savings products, which is also conducive to grasping other investment opportunities. National debt: National debt is divided into savings bonds, voucher-type national debt and book-entry national debt. The first two can not be traded in the secondary market, but can only be redeemed in banks and other institutions, and the redemption cost is high; Book-entry treasury bonds can be traded in the second-hand market, that is, they can be bought and sold through banks or other financial institutions, and listed treasury bonds can also be traded through exchanges. Comparatively speaking, book-entry treasury bonds are relatively liquid and can be used as short-term habitats for funds. Corporate bonds: Corporate bonds are also one of the sound investment methods. Although the credit risk is higher than high-grade bonds such as national debt, corporate bonds are issued by companies with good credit and excellent quality, so it is also a stable investment method. Money funds and bond funds: If you have no idea about choosing specific products, you may wish to invest in such funds. Moreover, due to participation in innovation, the income of many bond funds has greatly exceeded people's expectations. In addition, investment funds are convenient and have considerable income, which is one of the ideal flows of temporarily idle funds. Robust investment insurance: the risks and benefits of investment insurance are also different, including active accounts, conservative accounts and robust accounts. The name of the account reflects their investment objectives. Different from other types of investment, the investment period of insurance products is generally longer, and investors need to have long-term financial planning when investing. Another good news is that some insurance products have begun to be funded, that is, investors can redeem them at any time and then buy them. Financial products: The development of the financial industry is also reflected in competition. Financial products have become one of the important sources of income for banks in the past year. In order to meet the needs of different investors, financial institutions have also issued many types of products, such as capital preservation products and non-capital preservation products, and the benefits and risks of various products are quite different. In adjusting the market, if it is a temporary investment product, you can choose short-term wealth management products such as three months. Of course, if you are firmly optimistic about the investment direction of wealth management products, you may wish to do it as a long-term investment. In short, investors don't have to panic because they don't know the current market situation, but should actively choose products that are more suitable for the current situation to achieve their investment goals.

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