Article Outline
First, the investment plan analysis
Second, how to choose financial products
First, the analysis of investment plans
What (1) investment plan include? Is a market in which direction, what products content? Internal investment is the current situation how?
(2) the operation of investment funds is how? How investment funds how to put in place?
How the expected results (3) investment?
(4) How powerful enterprises to invest in?
How (5) investment opportunity? Including a comprehensive analysis of macroeconomic, national policies, market opportunities, etc.
(6) market analysis including
(7) the amount of market potential: What type of customer market the group, how many
(8) Market Structure: What is the existing enterprise market , including distribution
(9) enterprises occupy the market situation: the share of each enterprise and customer types in the market
(10) and peer companies own the fastest growing businesses are more cases
tips
(1) in general, the sale of the promotion costs the proportion is very high, so the company had expected the surplus will relatively decrease
(2) by manipulating the market price performance of the sound financial structure of the company profitable low-cost funds, making the companies to accept poor financial structure market punishment must be noted that the higher costs in order to obtain money. Thus managers should be wary of the financial structure of control can not be taken lightly
Second, how to choose financial products
1. How to determine whether a non-financial products insurance fly? Four basic criteria
(1) the first point, first in the product description, because that is not issued by a bank product you buy, this is not necessarily reliable. On the instructions in the product that you pay special attention to, to invest in this product, this product is, what direction to specific investments, it is not very clear? If it is voted to cash loans, consumer loans, small loans of this type of product, I think under the current background you have to be very cautious.
(2) The second point, on all product instructions will be clearly written consignment is not a bank, the bank is sales agent or not. If a bank consignment, then it means that the bank is in the middle of a middleman entirely, but you would not know where to go to specific product finally invested, which in the middle of asymmetric information is too large, it is difficult to grasp, I the individual is not recommended to invest in such products.
(3) Third, you must pay attention to information and fund-raising party, which everyone probably has their own different principles, my personal principle is that those looks were the first of a great many, but do not give you some specific details of the operating results. These fund-raising parties are to be marked with a question mark. So you product itself, really is to do some research and understanding.
(4) Many people ask a few of the 5.5 percent interest rate financial products count too high? I personally think that is not too high, but if you invest in such a number of P2P, cash loans these businesses are now tightly controlled countries, but also in the interest rates of 8% to 10%, I think it is worth reminding attention
2. Choose two principles IMF
(1) the principles of safety and liquidity - the selection of a high proportion of retail Monetary Fund
(2) yields principle - a moderate pick-scale Monetary Fund. Fund size between 100 and 40 billion the highest income
3. Monetary Fund subscription and redemption of three tips
(1) Generally Monetary Fund is T + 1 redemption. That is, you buy the fund today, tomorrow can be redeemed. But there is often a T + 2, T + 3 fund, then it means you later want to be able to redeem twenty-three days, this will cause some loss of mobility. So, if you is particularly high mobility requirements of people, you can avoid these funds T + 2 or T + 3.
Purchase (2) the effect on the Fund also speak a little time, because the fund transaction is calculated by working days, under normal circumstances you should not buy on Friday, because Saturday and Sunday does not allow you to redeem, so even if the fund is T + 1, and eventually became the equivalent of T + 3 redeemed. This is called Friday not to buy, not to redeem on Thursday.
(3) on the tight market funds or not is the key base rate of return of goods, capital and more tightly rate of return is higher. And at the end of general, quarter, year and the end of the year, the capital market is relatively tight, so you'll find purchase fund at these time points, its yield is relatively high.