stock and fund knowledge  

Recently, the global stock market crash set off a new round of market, the Shanghai and Shenzhen stock markets have not been spared. Investors have to find funding for their “safe haven” of gold products so popular again. Experts suggest that although the sudden emergence of the recent gold prices hit new high, but in the current financial market turmoil of the situation, people or financial prudence, there is still opportunity to try to “structural adjustment”, the key is not “the egg in a blue garden. ”

Gold is not without risk

The recent global stock market crash, made a breakthrough international gold Zaiduofali. 1,200 dollars an ounce, the gateway is easy to break. Many experts believe that the euro zone debt crisis will continue to boost the dollar and the subject of gold, recently, even many institutions during the year 1500 U.S. dollars an ounce, gold is likely to exceed predictions. Stimulation by rising gold and silver prices also witnessed a spectacular boom. The strong performance of gold and silver market, so many investors as their own money “safe haven.”

However, there are analysts also stressed that the gold rally round, carries a lot of “fear color,” especially while the gold and the dollar rose, gold and the dollar with the original negative correlation in sharp contrast. Gold and silver investors need to guard against the market at any time the possibility of rapid plunge. In this case, ordinary people have to avoid investment in physical gold, but with better mobility as the main varieties of paper gold. As to gold, silver, precious metals trading partners for the T + D business, since they can expand revenue, but will expand the risk that in the current trend is unknown circumstances, the people must be treated with caution.

Focus on liquidity

As gold is to select the paper to maintain liquidity in the gold investment, investors in the near future no matter which type of financial product, first of all should be concerned about liquidity. For many investors, the now largely been withdrawn from the secondary market and fought a market. Shake has become a major investment in new stock means, but have you ever thought. Subscription of new shares in the gap of time, when their own funds appreciated?

Looking at the current subscription of new shares, will be arranged twice a week, basically, the time difference of two days, basically, this will make the same amount of money can not purchase twice will cause the funds idle. In this case, ordinary people may wish to can take advantage of special savings bank species, such as one day notice deposits, as well as ultra-short-term financial products, such as Industrial and Commercial Bank of China’s star product, “informed the fast lane super-short-term.” The former species as savings, earnings stability is 0.81%, exceed more than twice the current savings rate; which deal with the weekday, buy now on interest rates, redemption features credited immediately (the current annualized rate of return expected 1.4%), became the third-party depository of funds, investment funds wait and see, life imprest choice. However, as financial products, which still has some risk. Therefore, as ordinary people who, according to their risk tolerance, choose, such forward and attack, retreat and defend, wait and see mood in the current strong market, a family investment watch investment “transit station.”

Adhere to diversify the investment philosophy

The recent spate of financial market variables. Greece QDII products led to net debt crisis once again diving and postganglionic raising the deposit reserve rate of surface tension caused funds, money market yields have uplift. Changes in the stock market has not only associated with the shareholders, but also affect everyone’s daily life. Diversification of capital investment, a strong period of investment strategies and flexible configuration, should be an important day to day financial management principles.

Experts suggest that investors should try to take ladder-shaped investment strategy to maintain at least in the hands of more than 30% liquidity, which also includes investment in the robustness of ultra-short-term financial products. The remaining 60-70%, you should diversify the investment, but should be based on current market conditions to choose classes such as bonds and money market financial products, raising the deposit reserve ratio will greatly alleviate the possibility of short-term interest rates, such as overseas market is still on a downtrend in the case, try to avoid investing in overseas markets QDII wealth management products. Investors in the domestic market, in the choice of financial products, you should be concerned about the macro-policy changes. Raising the deposit reserve ratio and interest rate expectations can not reduction, but with the tightening of liquidity, central bank bills issued interest rates will inevitably, and this could bring the overall bond market interest rates, and thus long-term bond yields to enhance wealth management products is also a great possibility. Just in time to adjust their financial product structure to avoid investment risk, expectations of the benefits received.