In August 2003, the Notice on Promoting the Sustainable and Healthy Development of the Real Estate Market was issued as document 18, which made it clear that real estate has become a pillar industry of the national economy. Since then, house prices have remained high and CPI has remained high.

So when time comes back to the present, we can't help but ask, is the era of realizing wealth appreciation by real estate still there? Or maybe equity investment is the best way? The emergence of various problems makes people start to think about how to increase their wealth in the future.

My basic principles: low risk, low threshold, giving consideration to liquidity, simplicity, strong maneuverability, pursuing relatively high returns, and the investment period of funds affects the specific choice of asset allocation.

1, configure bank financing.

If the specific rate of return is indicated in the bank wealth management product manual, it is not very important to have the word "expected" in front, so you can rest assured. At present, as long as the rate of return is written in the product manual, although there are many words that say "non-guaranteed floating income", this kind of financial management is generally guaranteed by banks. At present, many financial management can reach more than 5%, and many small and medium-sized joint-stock banks can still manage 6%, which is still effective in fighting inflation. Threshold: generally 50-65438+ 10,000.

Step 2 combine

Speculation is widespread in China, so many people don't know that there are bonds, which are more effective investment tools to fight inflation. At present, there are many bonds with annualized yield of over 7% in the stock exchange. Investors can ignore the risk of price fluctuation and obtain stable income through holding at maturity.

Although there is no bond default in China at present, it is necessary to conduct certain screening when choosing bonds. The method is very simple, that is, choose bonds with higher credit rating and build a large number of bond portfolios. Another way to invest in bonds is to buy pure bond funds. The threshold of bonds and bond funds is very low, 1000 yuan is enough, and the procedures are simple.

Of course, bonds are not suitable for doing it all the time. Generally speaking, bonds are not particularly ideal investment targets in the interest rate hike cycle, but for investors who buy and hold at maturity, price fluctuations can be ignored, as long as you are satisfied with the yield to maturity at the time of purchase. In short, when buying bonds, you can simply screen and build a portfolio according to bond rating, bond remaining period and yield to maturity to spread risks.

3. Fixed income share of graded funds

This thing is a bit complicated, but it's really good: "once it's there, it will last for a long time, so don't worry about fighting inflation." My statement is a description of some of the graded funds at the current price level, which is not solid. Basically, the annualized rate of return can reach more than 8% every year. At the beginning of each year, as long as the share of the dividend-paying parent fund is redeemed in time, it can basically be locked in its stipulated coupon rate.

I suggest you study it carefully. As long as you know that you can buy at the right price once and for all, the only thing you need to do is to redeem the dividend paid at the beginning of each year.

However, it should be reminded that the price may fluctuate greatly at ordinary times, which is a price risk for SMS investors. But if you are a long-term investor, you don't have to care about this, because dividends are distributed according to the number of shares you hold, regardless of the price.

4. Convertible bonds

Convertible bonds are actually bonds, but they are different from bonds. There is a saying called "guaranteed stock". Practice shows that convertible bonds are an effective way to fight inflation, with low risks but high returns. Convertible bonds are more suitable to start in the background of stock market bear market. Because the convertible bond market is small, there are only about 20 convertible bonds in total, so you can choose more combinations.

If it's too troublesome, you can actually buy a convertible bond fund.

5. Stock or stock fund

I don't think it's necessary to demonize stocks or stock funds.

If you agree with two views, then you can invest in the stock market: 1 Will China's economy maintain rapid growth in the next 5- 10 years, say, more than 5% a year? 2. Can the stock market reflect the long-term growth of the stock market?

I am positive about both views, so I will be willing to invest in the stock market.

However, China's stock market is always "overreacting" and "underreacting" because of its large fluctuations, so it has higher requirements on when to buy. But it's actually very simple. I think the timing of buying the stock market can be judged from two aspects:

The first is qualitative. If you find that many people around you are scolding and criticizing the stock market, and you hear many very pessimistic views, you can consider buying stocks in batches. On the other hand, if everyone is saying that the stock market has risen very well recently, and many people who don't know anything at ordinary times also want to buy stocks, you should be prepared to retreat from the stock market at any time.

The second is quantification. According to the price-earnings ratio, if the price-earnings ratio is below 15 times, you can gradually start buying. If it exceeds 25 times, be careful. As for equity funds, in fact, some domestic markets have long outperformed the broader market. I didn't say that, but the truth is, so don't jump to conclusions without knowing the situation. In addition, if you really have no confidence in the fund manager, just buy an index. The threshold for stocks and funds is also very low and the procedures are simple.

6. golden

In fact, gold has both monetary and commodity attributes. As far as monetary attributes are concerned, it should be steadily increasing in value. However, its commodity attributes are greatly influenced by the relationship between supply and demand, so we will find that other commodities such as gold and oil sometimes have similar trends.

I feel that I can't grasp the trend of gold, so I generally avoid gold. Choose bonds and other investment instruments with clear cash flow.

To sum up, I think the simple and feasible way for ordinary people is to buy bank financing, bonds and bond funds. If you are willing to study hard, or find a reliable financial theory that can give you effective advice, then graded funds and fixed income shares of convertible bonds are good choices. And stocks, if you can invest for a long time, control your emotions, be brave when others are afraid, and leave decisively when others are greedy, then you can control it. Buying a low index and selling a high index can save the trouble of stock selection.