Recently, my country’s A-shares have been trending well. At the beginning of January, the Shanghai Composite Index exceeded 3,600 points. On the one hand, after New Year’s Day, the manufacturing industry and the upstream industries of the manufacturing industry have obvious opportunities. At the same time, it has also promoted the cyclical industries such as new materials and new energy to heat up again; On the other hand, the consumer industry is still rising strongly. The recovery of the market naturally drove the recovery of wealth management investment. A few days ago, there was a news that the A-share registration system may be fully implemented after the two sessions this year, that is to say, my country's A-share marketization will be fully opened.
Interpretation of A-share market choices, business forms have become mainstream
From a global perspective, there are three main types of stock trading and issuance systems in the world. One is the registration system represented by the United States, the other is a mixed system represented by Hong Kong and Germany, and the other is represented by China. Approval system. Among the three systems, the registration system has the highest degree of marketization, the mixed system is the second, and the approval system is the lowest.
Under the approval system in my country’s A-share market, there has always been a phenomenon of “bad money driving out good money”. Many junk stocks have been speculated heavily by the market, and their stock prices have been extremely speculative. The limited funds in the market have also flowed to these areas, leading to good news. The company's good stocks have never been taken seriously. Moreover, the previous approval system made it impossible for many junk companies to delist from the A-share market, making our stock market "only in and not out" like a brave, which caused the entire A-share market to be unhealthy and has been developing. Can't get up.
Compared with the loose A-share delisting system, the U.S. stock delisting system appears to be extremely strict. Judging from the current results, the U.S. registration system is the most effective in terms of market commercialization. It has contributed to the growth of U.S. stocks. Therefore, we must fully implement the registration system.
Market core changes, individual investors will be affected
We can say that the original approval system implemented in the A-share market was "strict entry and wide exit", with high thresholds, but after the implementation of the registration system, the market became "wide entry and strict exit" with low thresholds, and it would be relatively simple for companies to go public, regardless of good or bad. When it comes to listing, the market will become mixed. As the market becomes more complex, the probability of stockholders losing money is greater. This is why we have discussed the registration system for many years, but it has not been implemented. In fact, it is In order to protect shareholders.
If the registration system is really implemented in full, it will be more and more difficult for retail investors to invest in the future. It was originally "seven losses, two ties and one profit", and the probability of making money is very small. Now that the registration system is implemented, there is a possibility of making money. It's even smaller. The key to this is that there is a new demand for the wealth management market. Strictly speaking, stable investment products and the requirements for stable income and investment at the same time have become the core of the wealth management market.
The Wealth Cube Smart Wealth Management Investment Platform was launched in my country’s wealth management market in 2015. As an intelligent financial management platform, Wealth Cube customizes a wealth management investment portfolio that matches their risks for each user. Users can realize global configuration with one click, and the system monitors the global financial market 24 hours. All kinds of assets can be adjusted dynamically, without the user's constant attention, saving time and worry. In addition, the wealth management cube asset allocation system only selects the combination of public funds, deposits and other products under the strict supervision of the China Banking and Insurance Regulatory Commission and the China Securities Regulatory Commission. Fund transactions are supervised by China Minsheng Bank, and user funds are not touched throughout the entire process. The system recommends the optimal combination and users can purchase with one click. With zero threshold, everyone is a financial expert.
Steady becomes the core, investment refuses blindly
As a well-known brand of robo-advisors in my country, Financial Cube is emphasized in the core business philosophy of the platform-with controlling the maximum drawdown as the core, a stable business philosophy has also become a major selling point of Financial Cube, a "bottom line" financial management method. Become a hot spot in the market. People who have not experienced a sharp drop when they are satisfied may not understand the great value of the "bottom line" investment method, but as long as time goes on, they will be taught by the market to behave. Investment is the same as being a human being. It is very important to have a bottom line.
Wealth Cube controls the overall risk by customizing personalized fund portfolios and accompanying services, and there is a bottom line for portfolio declines. The purpose is to allow everyone to put most of the money in and maximize the ultimate return. With this ballast stone, if you have to spend a small amount of money to play high-risk investments, you will feel more at ease.