What Are The Financial Products To Resist Inflation?
Inflation and
Negative interest rate
The panic that brings the money bag shrink, how to fight the money bag?
Evading currency devaluation must be done
Investment
。
Which varieties can resist inflation?
In October, when CPI reached a new high of 4.4%, the negative interest rate situation was not only alleviated after the central bank raised interest rates in October 26th, but became more serious.
For ordinary people, the price rise experience in real life is much higher and more realistic than the abstract CPI data. After "beans you play", "garlic you are ruthless", "oil you rise", "spicy hot weather", "Ginger army" and "Ping what", the vivid description of "sugar Gao Zong" shows that inflation is no longer an expectation, but a living reality.
Under the panic of negative interest rates, some people try to find ways to invest in order to avoid the depreciation of the currency.
In the era of negative interest rates, we have to invest.
Now bank deposits are in the era of negative interest rates, and the 1 - year deposit rate is 2.5% lower than CPI 1.9%, that is, if 1 million deposit banks, the purchasing power of the interest rate will be reduced by 1.9% after 1 years.
Mr. Wang and Mr. Li also have 1 million.
Bank
Suppose that the interest rate of bank deposits is 3% per year, and 10 and 1 million 344 thousand respectively.
Mr. Lee's money is allocated between different assets, assuming that the average annual yield is 10% and 10 years later is 2 million 594 thousand yuan, the same principal, the same time, different asset allocation, and the result is almost 1 times the assets.
If the average annual yield is 15%, the assets will reach 4 million 45 thousand after 10 years, and the asset size will differ two times.
The gap is still very wide.
We can see that asset allocation is very important and is more important under inflation expectations.
Against inflation, which financial products to buy?
Under the current high inflation expectations, the principle of asset allocation strategy is to convert money into assets as much as possible.
Many people are aware of this. The central bank's financial statistics show that in October this year, household deposits dropped by 700 billion 300 million yuan, indicating that residents' savings deposits moved rapidly.
We believe that the following types of financial products are available for your reference:
1, bank financial products
Whether an investment variety can resist inflation depends on whether the expected rate of return is higher than CPI.
Bank financing products are usually 50 thousand yuan, the yield and duration are related, the expected earnings for 90 days are around 3%, and the expected earnings for 180 days are around 3.2%.
In a bank, there are 100 thousand trust programs in 1.5 years, and the annual yield is expected to be 6.2%.
For bank financing products, the shorter term yield is lower than the CPI increase, which is not enough to resist inflation. The use of long term unused funds in the way of short term bank financial products can slightly raise the rate of return, but it is not an effective means to resist inflation.
In addition, the vast majority of bank financial products do not protect the principal and financial benefits.
Investors should learn more about the details of financial planning.
2, gold
The value of gold against inflation is mainly reflected in asset price appreciation.
Over the past few years, gold has been widely talked about as a hedge asset.
In the long run, gold has a certain value preservation function.
In the short term, under the influence of the European debt crisis, the US dollar index is stronger, and gold is also facing the risk of falling at a high level.
Gold has been on the rise in the past ten years, rising from $255.30 / ounce to 1410.20 dollars / ounce, up 452%. From the perspective of anti inflation, investors can buy gold in batches.
In order to control risks, it is better to control within 10% of assets.
To choose a repurchase investment fund, it is easy for ordinary investors not to engage in leveraged pactions.
3, real estate
The value of real estate as assets includes two parts: rental income and real estate appreciation.
As a kind of physical assets, real estate has a certain value preservation function.
However, the macroeconomic regulation and control measures adopted by the state have more emphasis on the housing attributes of real estate, to a certain extent, controlling the rise of housing prices.
From the rental yield rate, the rental yield of real estate rental is around 3%, lower than the bank loan interest rate, so it is not feasible to rent a loan.
The two comprehensive consideration is that it is not a good time to increase investment in real estate, and the profit margin is relatively limited.
4, financial insurance
Financial insurance is divided into three categories: bonus insurance, universal insurance and investment linked insurance.
Although the dividend insurance is not the same, there are some three years, some two years, but the basis of premium calculation is the same, the predetermined interest rate is about 2.5%, and the distributable surplus of the dividend insurance operation is 70% to the customers. According to the current dividend level, plus dividends, the annual income is about 3-3.5%, slightly higher than the bank deposit rate.
The universal insurance premium is deducted from the cost to enter the investment account, and the settlement rate is settled at the monthly interest rate. The settlement rate of several insurance companies is around 4% in June, and has recently dropped. At about 3.8%, the effect of raising interest rates has not yet been reflected.
Investment linked insurance is divided into different accounts, and the characteristics of risk return are not the same. To a certain extent, it can be regarded as a fund with different risk levels.
These three types of insurance share common characteristics, with higher initial cost and less fluidity.
So buying insurance is the first thing to buy security, not to focus on investment.
5, stock
When it comes to securities investment, many people first think of stocks.
However, the exhibition does not recommend ordinary investors to invest in stocks, the stock investment technology is very high, and the fluctuation is bigger. Taking the black Friday in November 12th, the Shanghai Composite Index fell 160 points, and many stocks fell by more than 7%.
A lot of investors have talked about investment in equities since 2006. That is doubling of assets. However, many public funds have increased by more than three times, and the highest increase in China's stock market has reached 13 times.
Therefore, the small fry can be pleasant, and it is not recommended that a large proportion be bet on the stock.
6. Fund
Investors can choose funds to invest.
Note that fund performance is quite different. The best yield of equity funds this year is 30% and the worst loss is 20%. Investors must make a choice.
The long-term yield of bond funds is higher than that of bank deposits. However, raising interest rates will cause bond prices to decline, thereby affecting the yield.
The bond market is negatively related to the stock market, and the corporate debt index has fallen by about 1% since the end of September.
7, trust
Investors with higher net asset value can focus on trust products, including fixed income trust and securities trust.
Trust products are relatively poor in liquidity, but the value added opportunities are relatively large.
The fixed income trust is usually 1 million yuan, with a period of 1 to 2 years, with an annualized yield of 8% - 12%.
When investors choose, they should have a detailed understanding of the investment direction and mortgage guarantee situation in order to control risks.
Securities trust is mainly invested in the stock market, also known as sunshine private placement.
Usually 1 million, and less than 3 million of the individual customers do not exceed 50.
In recent years, the annual rate of sunshine private placement can reach more than 30%, but the performance of different products is quite different.
The position restriction is more flexible than the public offering fund. From 0 to 100%, fund managers can flexibly adjust their positions to control risks.
We will remind you that we should pay close attention to investment advisers in selecting private placement for sunshine. We should examine its past performance and risk control capabilities, and examine its investment style, corporate governance structure, asset size and sustainability.
Investors should choose Securities Trust suitable for their own style.
In addition, the performance of single sunshine private placement is bound to fluctuate. Investors must make a combination or choose some TOT products (trust trust).
Investors with bigger assets can also consider private equity investment, and at least 5 million regular private equity investors are not suitable for ordinary investors.
Under the global quantitative easing monetary policy, inflation is inevitable. Investors must realize their asset value by means of proactive asset allocation, and protect their pocketbooks in the war of inflation.
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