With the further aggravation of inflationary pressure, citizens' desire for investment is even higher. However, many citizens still have questions about which investment product to choose. "Now is the golden age of investment bank financial products." At the "2007 Carnival and Financial Management Festival" held last weekend, experts agreed that in the context of the current rising volatility of the stock market, bank financial products with the advantages of low risk and low investment costs are a good choice. At the same time, gold is expected to become a new investment hotspot following stocks and funds.
Recommendation 1
Bank financial products
bank conduct financial transactions The product has come to the surface since 2003. After three to four years of development, it has become mature in the past two years financial products " Kuai Ming, deputy manager of personal finance and wealth management business of Hang Seng Bank, said.
It is understood that shares Compared with funds and bank deposits, bank financial products have the advantages of low risk, higher interest rate than bank deposits, less investment costs, etc. Some bank financial products can also ensure that the principal will not be lost. At present, financial products launched by various banks mainly include fixed income type, principal guaranteed floating type and high-risk investment products. Investors can choose to invest according to their risk preferences.
According to Kuai Ming, although the risk of fixed income financial products is low, the return is relatively low; Principal guaranteed floating rate of return may have a question mark, but the principal can be safe; For high-risk investment products, neither principal nor return can be guaranteed.
Under the influence of inflation and the subprime mortgage crisis, investors may wish to choose principal guaranteed floating investment products.
Recommendation 2
Middle class families should collect gold
In addition to bank financial products, gold is expected to become a new investment hotspot after stocks and funds. A few days ago, when a magazine selected the "Top Ten Most Potential Investment Varieties", gold investment ranked first for its high income, low risk, strong liquidity and low investment threshold.
According to Zhu Zhigang, chief analyst of Yuebao Gold Investment Co., Ltd., gold investment can diversify investment risks and resist inflation. In addition, gold is equal to currency in liquidity, strong in liquidity, and can reasonably avoid taxes. Compared with savings and national debt, gold investment has a higher yield, so it may be better to include it in the range of personal investment portfolio as a means of maintaining and increasing the value, so that we can not only make profits by taking advantage of the fluctuation of gold price, but also use gold for emergency when the paper currency depreciates. Generally, middle-class families should collect at least 500 grams of gold, and ordinary families should collect at least 100 grams of gold to cope with inflation.
Zhu Zhigang said that at present, gold is in the second stage of the bull market, and the investment opportunity is right. Since 2000, the gold price has risen continuously, reaching as high as 730 US dollars/ounce. Since this year, the gold price has been hovering between 600 US dollars and 690 US dollars/ounce. However, at the time of "nine gold and ten silver", the demand for gold jewelry will usher in a consumption peak, which is expected to boost the gold price to 700 dollars/ounce. In addition, we learned from reliable channels that the central bank is secretly absorbing gold, and the expectation of gold price rising is very high.
It is understood that the main trading varieties of SGE at present are spot trading and spot deferred settlement (T+D). Spot includes gold Au99.95, Au99.99, Au99.5, Au100g small gold bars, Au50g small gold bars, platinum Pt99.95, silver Ag99.9. T+D includes AuT+D quasi gold futures, AgT+D quasi silver futures. When gold and silver prices fluctuate, T+D can buy more or sell short in two-way transactions, and implement T+0 settlement. Moreover, T+D is a margin transaction, which can "buy more with less". It is a better choice for personal investment. (According to the Information Times)
