17 first proposed in the report \"creating conditions enabling more people to own property revenue\" in 2008 will be fully reflected, this has a reference to the rich content and innovative means that clear recognition and encouragement to the 2008 finance and investment. From the deposit value, to investment and trade, the Chinese concepts of financial management in 2008 will experience an unprecedented change.
How to increase of property income, is undoubtedly the most current thinking has been the most important issue in Chinese.
The stock market:
Benefit from appreciation of RMB
\"Create conditions to allow more people to own property revenue\" argument, actually stock returns covering it. This embodies the central development of investment in capital markets, encourage orderly thinking. Also, from the construction and reform of stock market point of view, \"property income\" was also means that the establishment of China\'s multi-level system of the stock market process speed, more size means that the stock market will continue to expand.
Expert advice: because the Renminbi to price assets Revaluation of the renminbi is the essence of and eventually manifested as the revaluation of assets in the capital markets and the price goes up. Also, excess liquidity situation has not fundamentally changed, stock funds are more comfortable.
Transfer from the thousands of families of news
Specific investments in the near future, first of all to focus on finance, real estate, high-grade white wine, passenger car plate, because these areas have both benefited from the revaluation of the Renminbi, also have performance value of sustained and rapid growth and has a significant investment. Secondly, in the context of current inflation pressure increases, many resources and assets of the industry, including non-ferrous metals and involve land, ownership, plate worth focusing on.
Fund:
Not on net \"be afraid of heights\"
Total management property fund industry as a whole has exceeded 3 trillion dollars! Ordinary families has been replacing body as the main holders of the Fund. But some residents did not even tell the difference between savings and Fund began to invest, lack of awareness of the long-term investment led to frequent Shen foreclosure phenomenon frequently, many companies were forced to take large proportion of the Fund dividends continued marketing of such unreasonable means.
Expert advice: first selected base more important than elections. Second, it is not on the net \"be afraid of heights\". Many investors have such misunderstandings, low net, the better, in fact, the more high net worth of the Fund, the fund managers manage more, create cumulative income is higher. Third, it is prudent to do band. Species which are suitable for long-term investment of the Fund, in the case of judgment of a long-term bull market unchanged, firm hold action is the best policy. Team of four is more important than star. Five is the spare cash for investment.
Insurance:
7% income in risk management
To consider risk management of the family, so just like the bottom of the pyramid, risk management, as the fundamental. After you lay a solid foundation, to be considered for different financial needs of the different finance and investment planning. More specifically, that is, average family income of financial allocation: 60% paid daily spend, 20%~30% investment finance, risk management 7%~10%.
Expert recommends: itself combines the features of life insurance protection and investment products that help investors to open a new path, particularly investment and even the insurance product, to make it easy for investors to build your own \"financial pyramids\".
At present, China has entered a interest rate cycle, from the point of view of the rate, bank deposit period is shorter, also more directly under the influence of interest rate policy, but insurance products are long-term business, and because insurance companies take appropriate investment strategy and investment tools, so with relatively stable characteristics.
Overseas investment:
Hong Kong stocks directly after the first QDII investment
Participation in overseas investment, of the mainstream and is by far the most convenient means, if the QDII is \"via sea\", so the market value of the through train is \"immersive\". In a-shares to overestimate value today, inexpensive h appeal is huge. Meanwhile, the Hong Kong market and some genuine quality unit, such as petroleum, such as moving, stable performance, profit is huge. Hong Kong market also was an international market, many international quality stock is worth attention.
Expert advice: If the risk appetite of investors is not strong, idle funds are limited, illiquid, recommendations are key investment shares.
For more ample funds, and for the international market has a certain understanding of investors, for configuring assets dispersed a share risk considerations, can be part of idle money into QDII, followed by participation in the Hong Kong equities held by direct vote. Hong Kong stocks direct investment must be \"homework\", a comprehensive analysis on the Hong Kong market, then, to the best policy.
Real estate:
Pilot \"reverse mortgage\"
In recent years people of real estate is particularly concerned about the fact that the prices in most cities across the country are in a relatively rapid increase State. For the regulation of real estate will also further increase: for example improve buying second homes in the near future the above minimum down-payment ratio, loan interest rates, regulation, against developers hoarding land Act, and is expected to introduce property tax, etc.
Expert advice: the current domestic rent growth remained well below the prices rising sharply, if the owner has a mortgage of real estate pressure, then to compare home loans monthly difference and rental income, and then decide whether to adopt real estate rental income, or other financial decisions.
But most people only a shelter, how to get this property at rest can also generate income? Now pilot \"reverse mortgage\" may be able to do so. \"Reverse mortgages\" also known as \"reverse mortgage\", this pattern specifically for property rights of the elderly. Elderly people can own housing property mortgages to financial institutions, receiving cash from the Agency on a monthly pension.
Finally, the real estate industry by investing in real estate stock to share development results, to obtain property income.
P>Gold market:
Gold hath no surprise
Gold jewelry against inflation less functional; although commemorative gold coin is gold (or gold) Gold products, but the focus is conceptual collection. Of course, when gold prices rose, commemorative gold coin (chapter) will also rise. Sometimes due to limited edition commemorative gold coin concepts or theme, or per cent would be much more than gold raw materials. But because it is not so easy to realize, so in terms of guarding against risks, preventing inflation, its performance is also less.
Therefore, purchased through a member unit of the commercial bank Shanghai gold exchange of accounting paper gold and physical gold only be gold investments.
Expert recommendations: has financial assets accumulation, and family annual revenue in 50,000 yuan above of, its gold holds volume should accounted for financial assets of 10% around, anyway, at least should left has 100 grams Gold; 1 million Yuan to 5 million Yuan assets of medium family, annual revenue 200,000 yuan above of, gold of share should up 500 grams; 6 million Yuan above of family, gold share at least should in 1 kg above.
Collection:
Insist on long-term investments
In China by the low and high savings, stock and property markets have drawn after the waves, collection market is not to be outdone, grew to start, in fact, this also agree without prior consultation in the stock market \"plate wheels\" rule.
Expert recommends: fake is the largest collection of risk, especially in today\'s increasingly sophisticated manufacturing technology, fake way higher and higher, and some \"high-like\" fake, even some experts \"mistake\". In this regard, investors need to have a clear awareness of the collection is a way to invest with the economic value of, but also an act of cultural arts; in addition to making money, has not forgotten with a spiritual enjoyment of mentality.
Appreciation of the collector or investor to choose their own familiar and have particularly necessary in the field of space. According to their economic strength to choose of collection and investment objects.
Collectibles profit value, but the cycle is long, you must adhere to the value of investments and long-term investments.
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