The way to make money

You may have become rich in the absence of a financial system. However, if you are already very rich, you don’t understand financial, your money will leave you.

– Nobeli Economics Award winner, Robert Murden

If you are sensitive to the economy, financial, you should discover a lot of changes in 2021, It is related to the various aspects of the people’s livelihood, food and clothing, education, education and development, and only three major changes in the field of investment:

1. Finally face comprehensive control, \”buy a house lying\” Myth will be broken.

2. The rigid redemption of wealth management products is completely broken, the future, any financial management is no longer guaranteed.

3. Market interest rates are getting lower and lower, and the internal return rate of the asset is also reduced.

In the face of this kind of mood, if not advancing with the times, do not know new thinking, do not do good response, then in the \”negative rate\” era of low interest rates or even future, the most Injured or our money bag. What should I do for individual investors?

Recognized all kinds of assets under the new economic situation

This year is \”14th Five\” In the beginning of the opening, from the national high-level to the grassroots masses, they will be regarded this year as the new starting point of the next hundred years of struggle. Natural \”big movements\” are also more.

At the same time, this year’s domestic and international situation is also very complicated. The world economy continues to be sluggish. The new crown epidemic has not returned for a long time. China-US trade war has both long-term, uncertainty, inevitability, etc. Features, the global economic recovery, weakness is weak.

And our internal economic situation has also reached the criticism of the climbing cross, The pressure of economic downtown is still large. It is currently facing growth rate shifting period. The structure is adjusted in the pain period. The early stimulus policy has been facing the bonding stage of high-growth to high-quality growth. Some elements and deep contradictions will be in this The ribbon is highly prominent.

Therefore, we will frequently see a variety of macro, micro-regulatory policies, such as the property market, speculative supervision, industry rectification, etc. However, in terms of monetary policy, the world is tendency to easily, my country is no exception, and the money supply is sufficient. Although the capital market fluctuates high, the overall is good; in the long run, my country’s market interest rate continues to fall, most assets The internal return rate is also reduced.

Bank deposits don’t have to be mentioned, and now it is low enough to make people feel. If you have a bank, there is a bank, it is completely not winning inflation.Comparison of 2.9% inflation levels in 2019, as well as 1.5% of the annual regular deposit interest rate announced by the central bank, and the final real investment rate is -1.4%, and the wealth of the naked eye is shrinking.

Yuebao and other Internet finances \”baby\” income is not optimistic, Tianhong Monetary Fund data shows, 2020 The annual annual rate of yields of various balance treasures is 1.4%, which are more crushed by inflation.

The bank financial management called \”steady and happiness\” is also breaking the just exchange, no longer \”boost\”, even becomes negative benefits! For example, the news of \”Bank’s Loss of Bank’s Bank of China\” last year, giving the general lessons of the Po.

As for bonds, this is a complicated and threshold variety, not ordinary people can control . Just like the credibility in the field, this is already \”there is a safe pad, there is no ceiling\”, and it will be able to attack, but many retail operators are operated and still have losses. The field can be transferred, and it is difficult to contact with ordinary people, and the protagonist is a powerful licensed financial institution.

And the ingredients were fascinated by the stock market, but also the \”one earned two flat seven losses\” curse to the ultimate place, here, \”leeks\” \”黄\” \”pig\” Words such as \”killing pigs\” are labels for scarred retailholders. I really can continue to make money in the stock market, and there is less, even if there is a few cattle scattered, I finally rush to private equity.

More Chinese favorite houses, now it is also \”four-sided Chu song\”, highly regulated I don’t realize that it is unrealistic to buy a rivy in the past. The national information center data shows that in the first half of 2021, the real estate market showed the characteristics of \”overall falling and differentiation\”. Among them, the difference in regional housing prices is significant, the highest rate in the eastern region, the fastest increase, the average price is 14,471 yuan / square meter, up 11.2% year-on-year, the average room price of Northeast has fallen slightly, down 0.7%.

As for other investments, in addition to gold is a wide range of familiar categories, other alternative investments such as goods, options, digital coins, antique collections are too far from the general public. The professional requirements are also very high, and the average person is difficult to control and make money.

What should I do? The above single investment varieties have indeed limitations and corresponding risks, and ordinary investors are also difficult to circumvent, and only asset configuration is out.

Nobel’s Economics Award winner, \”The father of modern investment portfolio\” Marcovitz once said: \”assetsThe configuration is the only free lunch in the investment market. \”According to his research: In all people involved in investment, 90% of people have missed the bureau with the failure of investment, and the investment winners who can fortunate to stay will only be 10%, and this 10% of people are doing. Asset configuration.

Do a good job in asset configuration, is the best way to go to ordinary people

How to do asset configuration? [123

The direction is the top, the most simple asset allocation strategy – Standard \u0026 Poor’s Family Asset 4 Quatutical Configuration Map.

▲ Chart: Gold

The first account is to spend money, mainly for daily overhead and short-term consumption, usually 10% of household assets, for 3-6 months of living for family

The second account is a wave of life, a leverage account, generally 20% of household assets, is to ensure personal and wealth, specializing in the sudden rise Avoid rapid regeneration, mainly to prevent rapid regeneration. Mainly configure some insurance products, such as medical insurance, critical illness insurance, accident insurance and life insurance, etc.

The third account is The money of money is an investment income account. Generally accounted for 30% of household assets, create revenues for families. Create high returns with risk investments. Mainly configure some funds, stocks, equity, core real estate.

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The fourth account is the money appreciated by the appreciation. It is a long-term income account. Generally accounting for 40% of the family assets, in order to protect the pension of family members, children’s education, and leave for children, etc. This part of the money can invest some of the solid-replenishment wealth management products with robust income, and the annual insurance products.

Need to remind, standing on the current time node, we The economic environment of the new era must have a clear cognition, and it is necessary to highly recognize the balance between finance and the seriousness of the current financial environment. Therefore, when we do asset configuration, we must pay more attention to the value-added quality of family assets, not only Attention speed; you must also pursue stability, security, income, long-term, flexibility, and pay attention to the scientific and overall yields of asset allocation, as well as anti-risk capabilities.

As early as 2018, the central bank’s leader Zhou Xiaochuan said: \”We don’t like the kind of speculative product, let people have the fantasy of ‘one-night flue\”, this is not What is good?

So, from the perspective of pursuit of robust, security income, and protective risk Which assets are important to configure?

Insurance, almost a must-have for the rich family, because the rich has more wealth, know more attention to wealth management risk. Of course, with the advancement of society, people’s consciousness has gradually improved, and more and more orders are realized that insurance must be, because in front of the risk, everyone is equal. The risk will not leave because you are rich, it will not be seen because of your poor.

is like a critical illness insurance, if you don’t buy it, as long as there is a family member unfortunately gave birth to a major illness, only those expensive treatment of rehabilitation costs, it may be crushing a family, Not counted, therefore, therefore the income of the loss is lost. However, there is a critical illness insurance, not only can you get a big payment, but also supplement the loss of family income, let the patient get angry.

Even the British Prime Minister Churchill said: \”Insurance is the only economic tool, can guarantee a known money in the future. I am convinced that through insurance Each family can relieve the disaster that is unreasonable, as long as the cost of negligibility is exempted. \”

2. Solid-reducing product

[ 123] Tiantu: Jin Xiaoxue

Common fixation products include bonds, bond funds, monetary funds, trust products, and gold exchange products. Among them, the bond variety is rich and variety, which can be divided into government bonds, local government debts, financial debts, short-term financing coupons, medium-term notes, corporate bonds, asset securitization bonds, orientation tools.

However, for individual investors, this is a investment threshold and restriction, so many rich people often configure such products through professional financial institutions.

Gold does not say much, the public number called on everyone to configure gold as a global standard Avoidance, gold in the past two years, in the past two years. In 2020, under a strong risk of risk, the global gold coins, gold bars were out of stock, and the physical gold continued to supply. International gold prices also arrived at the highest point of $ 2074 per ounce last August last year, this year’s market is basically stable in $ 1,700 / oz.

Today, investors that have a little understanding of asset configuration will include gold into the core asset configuration combination, more Many collection enthusiasts are also passionate of \”cultural\” products rich in cultural, art, emotional and commemoration. About the detailed interpretation of cultural funds can refer to the previous period \”cultural gold, hidden senior sense\”, \”Jinniu New Year, senior is full, being smashed\”.

Today, the property market is controlled by policy, and traditional real estate models can not adapt to new changes, and they cannot bring more considerable benefits. Industrial property relying on industry site selection, pursuit of urban, industries, and population, developing more excellence, more seriously surrounding economic radiation circles, and future development potential for future development potential, so it has become the most valued new model of real estate investors.

Industrial Real Estate into \”Exposed\” Gold Mine

Industrial Real Estate with Core Value Compared with Risk Assets, Equity Its development prospects binds the future of the economic circle, still the main track of wealth value added.

The famous economist Ren Zeping also pointed out in recent days. In the next 3-5 years, investment in an anti-inflation, the housing and land of the population flow into type urban group are preferred.

whether you believe and do not believe, the current money is devalued, and not to say Everything is in price increase, raising global money, and push the bubble of the asset to the high point that cannot be imagined. Over the past two years, you may obviously feel the polarization phenomenon of \”rich and poor\”, but this is normal. If you haven’t understood it, you can only explain your money, the price of assets. The underlying logic is still unclear.

The currency that is superfluous, becomes the chips in the hands of the rich, they have the advantage, rush, buy stocks, buy a property, buy funds, buy insurance, Buy financial management, have assets, not harvested … rich people use these chips, and take the lead in changing those high-quality core assets and achieve value added.

The source of income of the poor is single, and it is looted in the negative rate. Some face unemployment, some have been reduced, and the income is sharply reduced. People who are not qualified to enter, can only look at the number of bank accounts.

So, the rich and wealthy secrets are essentially from asset prices.

Dickens wrote in \”Double City\”: \”This is the best era, the worst era; this is the era of wisdom, and it is also a stupid year; this is a bright season It is also the season of darkness. \”

The so-called\” variation pass \”, the time has changed, thinking is also changed, if you still have the same as the past, go to buy low income Finance and monetary funds, the result is that wealth has been diluted. You need to have a professional wealth management vision and pattern, to examine and scientifically configure your assets.