Just stride into the 2018, and it's very busy.
A shares across the board breakthrough a booming, bright red; Jia boss wife push public opinion Daifu apology; sweet home Xinren seems a indistinct true......
However, as a planning gentleman, I still more concerned about the money bag related to people.
In the past 2017, it is necessary for the small partners to complain about their inverses. The missed Moutai in the stock market and the small plate in the medium of the base are not easy to try to invest in the new era, and the result is the thunder of Qian Bao.
In the new year, you are planning to put on three secret weapons, and wish you the 18 years of financial water.
Tips 1:
If you want to keep the base strong, you can't forget it.
Although the planning is "scattered" investment, but there are still a large number of people do not know how to allocate the "dispersion".
In fact, it is very simple to build the level of the fund portfolio from the two dimensions:
A) type of fund
According to their own risk bearing capacity, we assign different risk coefficients to monetary fund, bond fund, mixed fund and stock fund (risk from low to high ranking).
About 30% of the goods base to ensure the liquidity of the base.
The debt base within 30% is used as the base of the base to gain stable income. However, in view of the recent debt bear, the proportion of this investment can be properly reduced.
More than 40% of the mixed base plus the share base, in order to gain the overall value-added income.
B) investment style
Another configuration dimension is style, and most people feel that the biggest pain point for a foster base with difficulty is how to configure the mixture and the femoral base. In the same way, the logic is simple and the style is balanced.
For example, to reduce the risk of the base circle with the distributed allocation of large funds and small and medium sized funds, it can also share the benefits of market cycle and plate rotation.
A small partner will question, is it not possible to choose a portfolio of funds with good historical performance?
No historical performance is only one aspect of assessing the good and bad of a fund.
Take last year's market as an example, all stocks are surging, but not for this year. At least two days' market shows that small cap stocks are attacking.
As a special case, the core competitiveness of the post as sawamatsu, once the results of the championship, now also because even on LETV, Kang pharmaceutical, and a plurality of xuanya international Thundercracker ended up last first.
Therefore, decentralized style configuration based nest, though probably because hedge and diluted the part of the revenue, but also reduce their risk, not the end in the warehouse full of ta.
Pay attention to up
For moderate or conservative players, investment advice. Make a certain extent can implement some gains, fell can have some positions, but don't stop heart operation, investment.
Expanding reading
"People based white, what good buy fund? "
"She was earning 3000, bought 16 fund"
"Investment is: 3 meals a day, every meal to eat 3 to two"
Tips 2:
Net loan is not a beast, the selection platform is the key
The last event last year, was "money treasure net".
In simple terms, this is an old Ponzi scheme, but it is a pity that there are still a lot of people deceived. Net loan fixed income products up to an annualized 40%+, do you think this money can ease?
But not unworthy, a stick and killed all the net loan. After all, the whole financial market is breaking up now, and it's more necessary to make money to make money.
Knock the blackboard! How to have a good pair of screening platform piercing eye?
[four aspects]
A) platform background
The backrest is more reliable, now the background of the platform is basically from these categories: SASAC, listed companies, or venture capital background. Of course, those who run away the platform chained and thrown into prison there are some very arrogant origin, so the "background" is just one of the reference value, not one hundred percent rely on it to identify;
B) the target of investment
The background and the use of funds behind the project behind the product, as well as the source of repayment of the borrower, need to be disclosed to investors. You can judge the safety of products from there.
C) third party storage tube
According to the regulation clearly, the platform can not be funded by the hand, that is to say, there must be a bank as the third party management of the fund.
To determine whether the platform has entered into the depository agreement with the bank, in addition to the relevant information posted on the official website and the registration information of the depository account, it is also possible to consult the bank's information with the platform.
D) wind control system
Look at the composition of the company's team, the consultation and consultation service, and ask if there is any overdue history, which can be used as a basis for judging whether the wind control is complete.
Pay attention to up
The above four aspects of the lack of consideration, any short board will cause the product risk.
Tips 3:
As a whole, it is important to gain the beauty of the overall income.
All of the above are the main points of the asset allocation of a single asset class. If we want to guarantee the smooth return of the whole investment, we must have a large pattern, that is to balance your asset allocation.
The mode of distribution that the prudent party suggests can be referred to is: 4 into a fixed income investment of +6, a venture capital investment.
Venture capital investment includes equity fund, stock, gold, property and so on.
The fixed income investment includes the savings or the base of cash, the bank finance and the fixed income Internet financial products.
The overall logic is that, under the premise of fixed income as a backrest, a certain amount of money is also used to participate in the market, and to gain excess income.
Pay attention to up
The overall monetary environment is tighter in the coming year, and interest rate raising is a large probability event. That is to say, the year of fixed income products