Seeing a lot of books or the newspaper about financial management? But what is financial management does not understand at all, some friends recommend a family named Hengxin Yidai, I don’t know how to do it.
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Financial management refers to the management of finance (property and debt) to achieve financial preservation and value -added. Financial management is divided into company wealth management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation and closely related to wealth management.
The wealth management investment can be described as many hotspots. It is summarized mainly in twelve aspects:
. Since
After the "golden treasure" business of individual investors, speculation has always been a hot spot in the personal wealth management market, which has attracted the attention and favor of investors. Especially in the past two years, international gold prices have continued to rise. It is foreseeable that with the gradual opening of the domestic gold investment field, the growth potential of gold demand in the future is huge.
Especially after 2004, the price method of domestic gold jewelry will gradually change from the price fee to the price separation, and the 5%consumption tax of gold jewelry is also expected to be canceled. These will greatly promote the amount of gold investment. Increasing, the firing business will also become a highlight of the personal financial management field, and truly enter the golden period of investment and financial management. A new type of gold investment is also welcomed by the majority of small and medium investors, which is gold fixed investment.
Fund
has successfully issued the first batch of closed funds in 1997. The fund has been highly respected by domestic individual investors. The top priority. According to relevant information, the net domestic fund net value in 2013 has been nearly 200 billion yuan, accounting for more than 10%of the level of circulation of A shares. Many investors are still very optimistic about the advantages and characteristics of the fund's revenue and less risks, hoping to obtain the ideal benefits through the investment of the fund.
The seven techniques of fund wealth management:
First, correctly understand the risks of the fund, and buy a fund variety that is suitable for your risk tolerance.
The second, the selection of the fund cannot be cheap. Many investors will choose low -priced funds when buying funds, which is a wrong choice.
third, the new fund is not necessarily the best. In a mature fund market abroad, the newly issued funds must have their own characteristics, otherwise it is difficult to attract investors' attention. However, many investors in our country only purchased the new Fund Fund, thinking that only the new Fund Fund was issued at a face value of 1 yuan, which was the cheapest.
Fourth, the number of dividends is not necessarily the best fund.
Fifth, don't just stare at the open fund, but also pay attention to closed funds.
The sixth, carefully buy the split fund.
Seventh, invest in the fund to put the long line. Buying a fund is to admit that expert financial management is better than yourself. Don't speculate on the fund like stocks, or even make a difference and redeem it. We must believe that the fund manager's ability to judge the market
n stocks
stocks
to buy stocks is to buy a listed company and buy the growth of China's economy. The supply and demand situation of domestic stock market funds is relatively optimistic, which is undoubtedly a strong needle for the Chinese stock market for funds. In addition, the China Securities Regulatory Commission has put forward more stringent requirements for the performance and financing of listed companies, and strengthened the regulation of the stock market, which will bring investors' opportunities for profit. But no matter what, the biggest feature of the stock market is uncertainty, and opportunities and risks coexist. Therefore, investors should continue to be cautious and invest in the opportunity to invest.
Futures
The general referring to futures contracts, which refers to the standardized contracts that are uniformly formulated by the futures exchanges and specifies to delivery a certain number of target objects at a specific time and place in the future. This target, also known as basic assets, can be some kind of goods, such as copper or crude oil, or a financial instrument corresponding to the spot of futures contracts.
The buyer of futures contracts, if the contract holds the expiration, then he is obliged to buy the target of the futures contract; and the seller of the futures contract, if the contract holds the expiration, then he is obliged to sell The target corresponding to the futures contract (some futures contracts do not perform physical delivery but settle the difference at the expiration. For example, the stock index futures expire to settle the final settlement of futures contracts in hand according to the average of the spot index). Of course, traders of futures contracts can also choose to carry out the obligation of reverse trading before the contract expires.
The national bond
2005 is a year of innovation in the national bond market. It not only increases the variety of government bonds, but also enables investors to have more choices. New attempts and reforms have also been made on the issuance of government bonds to further improve the market -oriented level of government bond issuance to minimize the interference of non -market -oriented factors. In addition, the secondary market of Treasury bonds will also become the focus of development in 2014. It can be seen that this series of innovative moves of Treasury bonds will definitely bring more investment choices and greater profit space for investors.
Savings
Over the years, savings, as a traditional way of financial management, have long been rooted in people's ideas. Most residents still use savings as the first choice for financial management. On the one hand, because foreign capital flowing into China is still strong, China's basic currency supply has increased; on the other hand, the government has adopted the increase in interest rates in order to moderately control the price index and inflation rate, and the floating range of interest rates has been further expanded. The rise in interest rates will inevitably stimulate the increase in savings.
bonds
The hotness in the bond market is unexpected. All signs show that in 2005, corporate bond issuance is still likely to speed up. Enterprises can be convertible bonds, floating bonds, and bank secondary bonds. In addition, the CBRC will count the secondary debt in the subsidiary to supplement the capital composition of commercial banks, so that the bank's debt issuance will become popular again, which will be a role in helping the bond market.
Trust
Trust wealth management is a property management system. Its core content is "the entrustment of people, financial management on behalf of people". Specifically, the client entrusts its property rights to the trustee based on the trust of the trustee. The trustee conducts management or punishment in accordance with the wishes of the client as the interests or specific purpose of the beneficiary.
2010 Xinto City Fast Development Bank is 3 trillion yuan, with a growth rate of greater than 30%per year. Trust products are products issued by trust institutions and are sold through banks, securities companies, and professional independent financial companies.
The income of trust wealth management products can be fixed or floating. The mainstream products of the market are still fixed yields, with a rate of 9-13%per year. High income and good stability are the biggest selling points of trust wealth management products. Trust plan products are generally infrastructure trust programs with excellent qualifications and stable income, and most of them have third -party bank guarantees. In terms of security, it is slightly higher than simple trust investment projects.
During the investment process, banks will continue to monitor and track the movement of loans, so as to maximize the investment risk of trust projects.
In 2009, the CBRC issued the "Notice on Strengthening the Proactive Management Capability of Trust Company (Discussion Draft)", and the notice clearly clearly that the purpose of this document was: "Guide the trust company to trust and repare people to replace people, repare people, Financial management, vigorously develop active management trusts, improve the core competitiveness of trust companies, achieve connotative growth, and promote the sustainable development of the trust industry. "But the document is mainly to guide the trust company to get rid of the" pipeline "passive management business model, The focus is on the self -management capabilities of the securities investment business of the trust company in the cooperation of Yinxin, the transfer of asset business, and the issuing trust loan business.
In 2010, the "Administrative Measures for the Capital Capital of Trust Company" was issued; in 2011, the "Notice of the Calculation Standards for the Calculation of Trust Company" was issued. The "Measures for Capital Capital of Trust Company" ended the model of trust companies relying on unlimited expansion of profitability. In a certain sense, this policy ended the "pipeline business" of the trust company, forcing the trust company to embark on the path of independent management, and independent management is also the beginning of the trust company on the road to wealth management. In the understanding of wealth management, many trust companies put the first step in the construction of channels. As a result, a large number of "trust companies are wealth management centers" have been established.
The basis of wealth management is to understand customers. In this sense, whether it is because of the stimulus of wealth effects or the constraints and guidance of policy, the trust company can build its own marketing team through the establishment of a wealth center, get rid of channel dependence, and directly contact customers to understand and grasp the needs of customers. It takes a step in wealth management. However, it must be clear that in essence, the difference between the difference with the general financial management is that the wealth management business is customer -centric, and the purpose is to design a comprehensive financial plan for customers to meet the financial needs of customers. Generally The wealth management business in the sense is based on the product, and the purpose is to better sell its own wealth management products.
Therefore, the purpose of establishing a sales team is not only to make the trust company get rid of channel dependence and directly grasp customers. More importantly, through its own direct sales, the trust company understands customers, so as to tailor customers to make more adaptation to more adaptation Products needed for customers. It can be seen that if the establishment of the direct sales team of the trust company is just due to the stimulus of the wealth effect or the constraints of the policy, the direct sales team of the trust company will be simply turned into a "third -party financial management institution" mainly selling products. , Will make the trust company's path to wealth management, which will become narrower and narrower, turning wealth management into simple products.
The wealth management without investment capabilities is illusory. Improving the investment capacity of trust companies through independent management is an important step towards the road of wealth management. Therefore, relying on its own direct sales team research, development, and even the needs of customers, and transforming this demand into a product is the true way of wealth management.
In importantly, many trust company executive levels have realized this. Trust companies develop exclusive channels and directly master a group of high net worth customers. It is only the first step in achieving its wealth management purposes. After that, various resources need to be integrated to provide customers with true wealth management services. The development ideas from Shanghai Trust from 2010 to 2014 are clearly set at: the main attack of wealth and asset management, and the initiative management capabilities, and the reform measures such as talent equipment, system upgrades, operating processes, and seed fund cultivation Shanghai Trust's active management capabilities improvement. Ping An Trust establishes a multi -dimensional development platform for products, channels, and systems. In 2013, foreign trade trust established its own wealth management center. Fan Hua, assistant general manager of the company, clearly stated that unlike past trust companies using various channels to sell collecting funds trust products, foreign trade trust hopes to transform to high net worth groups to provide wealth management services to high net worth individuals to provide wealth management services for wealth management services Essence
In fact, almost all financial institutions are conducting financial management business in the name of wealth management. The reason described in this way is that the difference between wealth management business and wealth management lies in product -centric or customer -centric. In the context of dividing management, it is impossible for any financial institution to be completely customer -centered; product design to meet customers' comprehensive needs, only a trust company with a mixed nature can do this It is also the biggest advantage of trust companies to enter the wealth management market.
2013 Corporation product analysis and management strategy. Since the collapse of the stock market in 2007, trust products are favored by high -end customers with their high income, short term, and excellent security. According to the China Trust Industry Association, data announced data. As of the end of the first quarter of 2013, the scale of trust assets reached 8730.223 billion yuan, far exceeding the public fund and insurance industry. But many customers do not understand the trust, and there are many misunderstandings in the concept.
The concept of trust: In short, it is the entrustment of people and financial management. Trust is a regular wealth management product issued by a trust company, and the trust company is a national formal financial institution under the supervision of the CBRC. It is listed as the four major financial pillars in China with banks, insurance, and securities, which is strictly distinguished from private lending.
Trust form: Most of them are 1-2 years, 1 million starting points, and the income is 9%-11%. Depending on the product, the interest is paid by quarter or semi-year.
Trust security: From design to distribution, trust products must be perfected through due diligence, the CBRC will record and record; the trust product itself has multiple risk controls such as pledge, guarantee guarantee, and warning line settings to ensure the safety of funds. All trust funds directly enter the fund supervision account opened by the trust company in the bank to ensure that the funds are not used inappropriately. Since the implementation of the New Trust Law in 2001, all fixed income trust products have not breached the contract and have the best security.
MSB: It is safer to purchase from specific institutions. Subscribe to trust, contract with trust companies, funds directly enter the trust company's raising account (public account), and do not cause the difference in risks due to different purchase channels. Customer investment should pay more attention to the quality of the product itself, including term, income, risk control, etc., as well as after -sales service provided by institutions to customers.
In foreign exchange
The foreign exchange has just entered the mainland market in China, so the market prospects are very broad. It is $ 36,000 billion.
The foreign exchange falls can have profit opportunities, and for stocks, only when rising can we make money. When investing funds, foreign exchange only needs 0.33%of capital investment. However, the stock is 100%of capital investment, which increases risks.
Copened capabilities. Foreign exchange is a global person trading, so it is not controlled by large institutions or countries. Even a country with a very economical strength cannot take a year of GDP to enter the foreign exchange market. Foreign exchange is just a country. The timely news and policies are affected by time, and stocks are often controlled by companies and other institutions or shareholders.
The transaction is more free. Foreign exchange transactions are traded 24 hours a day from Monday to Friday, and can be traded at any time. However, the stock is about 7 hours a day from Monday to Friday. It is not free to sell the day that day. A good investment method is more rational, free, and more controllable than you save money, buy stocks, do business, and make money.
The continuous decline in the exchange rate of the US dollar has made more and more people's foreign exchange trading, which has obtained a lot of benefits, and also made the exchange market extremely popular. Various foreign exchange wealth management varieties have also been launched one after another, such as the foreign exchange treasures of commercial banks, foreign exchange treasures of Bank of China and the Agricultural Bank, and the CCB of the CCB for investors to choose from.
In 2014, the Chinese government will continue to adhere to the principle of stability of RMB, adopt measures such as RMB and foreign exchange and increased foreign exchange autonomy to promote the healthy development of the exchange market. Therefore, relevant experts analyze that in 2014, the space for investment in the foreign exchange market will be greater and there will be more opportunities. Foreign exchange investment can be automatically traded through foreign exchange, with high income and easy stability.
Insurance
Compared with other tepid insurance markets, the income insurance type is highly sought after. There are generally many types of income insurance types. It not only has the most basic guarantee function of insurance, but also can bring expensive benefits to investors. It can be described as guarantee and investment. Therefore, the purchase of income insurance is expected to become a new investment and financial management hotspot.
The bank products
C bank wealth management products are also important items. Bank financial agency wealth management. Bank wealth management products are also a major investment for daily investment in
wealth management n financial management
Compared with stocks and funds, bank wealth management products have the characteristics of high thresholds and poor liquidity. When selecting wealth management products, we must take into account their own investment preferences and financial needs, and at the same time, it is necessary to appropriately consider the impact of the external factors of the market on the "trend" of wealth management products.
Jewelry
The word jewelry is definitely no stranger to us. Since ancient times, the word jewelry has often appeared in people's life vocabulary. At present, with the improvement of people's living standards and aesthetic capabilities, jewelry is rapidly entering millions of civilians' homes.
The jewelery that now has internationally recognized certification also has strong investment and financial management value. Taking diamonds as an example, generally has the value of value preservation and appreciation above 15 points.
p2p
P2P network lending platform has been relatively complete in developed countries such as Britain and the United States. This new type of financial management model has gradually been accepted by the public in the Internet age. On the one hand, borrowers realize the value -added of assets, and on the other hand, borrowers can meet their capital needs in this convenient and fast way.
LoSper, a successful P2P network lending platform abroad: Founded in 2006, it has more than 980,000 members and more than 200 million borrowings. It is the world's largest P2P lending platform.
The domestic P2P platform is in a preliminary stage of development, but there is no clear legislation. Domestic micro -credit mainly relies on the "China Micro Credit Alliance" to host the work. The reference legality basis is mainly "the first case of the national Internet loan dispute or the current result of Ali Small Loan victory." With the development of the Internet and the progress of society, the formality and legitimacy of such financial services will gradually strengthen, and under effective supervision, it will exert the advantages of network technology and realize the ideal of inclusive finance.
On April 19, 2012, the State Council issued the "Opinions on Further Supporting the Healthy Development of Small and micro Enterprises" (Guofa [2012] No. 14). The "Opinions" pointed out the implementation of various tax policies that support the development of small and micro enterprises.
p2p network borrowing provides good opportunities and conditions for the financing channels of small and medium -sized enterprises; vigorously supports the technological transformation of small and micro -enterprises; enhances small micro -enterprises with innovation, support innovation, entrepreneurial and labor -intensive small enterprises Development; effectively expand the field of private investment.
The innovative financial management methods represented by P2P online loan model have received widespread attention and recognition. Compared with traditional financial financial services, the main body of P2P borrowers is individual, mainly credit borrowing.
has developed rapidly with the rapid development of the P2P wealth management platform since 2013. With the convening and closing of the two sessions in 2014, the P2P wealth management industry has been included in the supervision of the CBRC. The regularization of the P2P wealth management platform is inevitable. In May 2014, the person in charge of the well -known domestic P2P platforms such as Souyi Loan convened a symposium to convene a symposium to consult the industry access and regulatory system. The regulatory level has a preliminary plan. In the future, P2P may take classification supervision according to the platform attributes and the nature of the capital pool.
When it comes to financial management, many people think that financial management is money to have money, such as buying a house, buying gold, and stocking stocks. In fact, these belong to the category of wealth management, but in the strict sense of financial management, wealth management is actually called wealth management, that is, the scientific and reasonable planning current and future resources, do a good job of family financial planning, and make a science of family finance when wealth management. Diagnosis and control risk.
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Investment and wealth management, investment and wealth management refers to investors through reasonable arrangements, using investment wealth management The tools manages and distribute the assets of individuals, families, and enterprises and institutions to achieve the purpose of preserving and value -added.
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Financial management is the eight major plans such as cash planning, investment planning, risk management and insurance planning in order to achieve their own life goals, including their own life goals,n00:00 / 00: 5070% shortcut keys to describe space: Play / pause ESC: Exit full screen ↑: increase volume 10% ↓: decreases by 10% →: Single fast forward 5 seconds studio Here you can drag no longer appear in the player settings to reopen the small window shortcut key description
Each person's income can basically be distinguished by labor income and asset income. The main source of income of most people is labor income, that is, the basic labor remuneration obtained in the company's work, asset income income requires a certain amount of original capital accumulation, and puts the income from labor revenue into the stock market, buying wealth management, funds, etc. Both benefits can be simply referred to as asset income.
. The expenditure of each person can basically be summarized from five aspects of clothing, food, housing, and five aspects. , Traveling, etc.) to distinguish.
If office workers to make financial management, it should be the remaining part of the income to reduce the fixed cost and after leaving the current plan for the current plan. I usually configure this part of the funds for personal financial management.
1, living money management, that is, the money that may be used at any time in daily life. This part of money is mainly used to cope with daily expenses or accidents, and can also perform long -term investment increase operations at appropriate time. This part of money mainly considers the liquidity of funds. At present, the best configuration direction is a currency fund. The most common currency fund is Yu'ebao, but at present, the annualized yield of Yu'ebao is only about 2.1%. The currency funds with a highly stable yields I personally hold are the southern Tiantian profit currency B and Yifangda cash increase currency B. The annualized income is about 2.5%. The access to T 0 is convenient and fast, and its yield can also be ranked at the forefront of major currency funds for a long time.
2, stable investment, that is, a part of the pursuit of stable income. The investment period of this part of the funds can be placed in half a year to two years, because the investment period is longer than the living money management, which means that it can get a higher return on the basis Wealth management products or bond funds can currently achieve about 5%of annualized income. China Merchants Bank, Tiantian Fund, and JD Finance can buy some good wealth management products. The essence is basically similar. They are all investment bonds in the later stage of the brokerage asset management plan. The risks are relatively controllable. In the later period, with the net value management of the fund and various asset management plans, the risk of credit bonds is superimposed. This part of the wealth management products also face some risks of losses, but the overall risk and volatility are much smaller than the stock.
3, long -term investment, that is, the pursuit of long -term value -added assets. The investment period of this part of the funds is recommended to hold for at least 3 years, the investment period is longer, and the risk is greater. We can use risks to exchange income to choose some high -yield partial stock products, such as index funds and good Some active management funds. I personally buy some fund products through platforms such as Tiantian Fund and Alipay, which is also the main way we have greatly improved wealth management income.
4, insurance protection, that is, buying various commercial insurance money. There are always unexpected risks in life. The new crown epidemic in 2020 let us