In China\'s financial sector, only investments (Investment), and lack of Finance (Personal Finance). Current more individual investors into investment, desperate pursuit of profit, without the risks, benefits, resources, goals are in line with their actual integrated planning and management, and cannot be a stable asset.
Now investors often have four mined areas. First mined areas is to assume a risk you cannot afford. For example, more than 50 years of customer, may appear to be in poor health, is preparing for a pension or to see a doctor and on the type of assets into income. Fund shares are only a dot.
Second minefield is too avoid the risk of loss of principal, invest in low risk assets, results cannot resist erosion of inflation on their assets. Young white collars, are ready to buy a House, and other significant expenditures of time, put the money into bonds, stands ready to realize the programme does not apply. Needs to be emphasized is that the ability to take risks not only means a customer of psychological feeling, more limited by expected targets, family responsibilities and even promoted. If a child to study abroad, cautious parents may also have to take some risk, in exchange for a larger profit, or child\'s dream cannot be achieved without financial support. Or want to old-age, 4% annual inflation is expected to prevent this scenario from the appreciation.
A third minefield, a lot of friends on the insurance awareness of improper, is primarily as an investment vehicle insurance, to the neglect of protection. If the lack of guarantee insurance, household income creators event of injury deaths, household economy would collapse, buy a House, study abroad dream impossible to achieve, a loan to buy a House can be repossessed, worse.
Fourth mined is now many investors pursue fashion. Investors before the new things I didn\'t understand, did not observe a period of time he rashly enter. Such as trust products. For example, some media said many old people as bonds to buy the trust. Trust is similar to the Fund, there is a risk of principal loss, is unable to bear that risk for the elderly. It yields only predict, does not own assets as a guarantee of trust companies, Government guarantees are not legitimate. For example, recent Exchange hype hot, a lot of people invested a great deal of effort. In fact, from a financial perspective, currency more play to the role of risk diversification. In more cases, revenue is not very large.
On an average income of families, family integrated financial management including both open source and savings. For a normal family, and save the more urgent. So-called savings are arranged on the family expenditures of scientific priorities. Family expenditures can be divided into three parts in the order. A is a fixed expenditure, second, variable expenditures, three is enjoying spending. Third part of the savings are mainly to save expenditure, rather than compressed reasonable expenditures. Savings of money used to finance. In fact, children\'s education, housing and pension fixed from income, such as designating a special, treat it as fixed payments regularly over the past few months. Open source aspect is adding new sources of finance and investment is the main method.
Professionals can help you tailor-make a suitable programme of their own ability to take risks, in achieving the goals at the same time the degree of risk to a minimum. Assuming such a family: more than 30 years of white collar, a steady income, a 3 year old child, have their own pension for the elderly, House car has been resolved. Financial goals are children studying abroad and their own old age. Recommended 4:3:2:1 investment. 40% funds into equities, funds 30% capital investment to real estate; 20% investment in approximate income and bond products, including bond fund and dividend insurance. 10% protection class insurance against Thunderbolt. In this combination, to select some of the foreign currency assets, including foreign financial products, risk can spread further.
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