Investment goods
First of all, the most important thing is the insurance protection.
The rational allocation of insurance for ourselves, we allow that there is no excessive economic pressure, but also later in life worry-free ~
But remember, do not blindly buy insurance, because there are too many pit.
Be sure to go through their own learning, to learn to understand, to understand the essence of each insurance, go buy.
We look at a chart
this chart called financial pyramid, from the bottom to the top of the pyramid, the distribution of different investment products.
The higher up you go, the higher the potential risk of investment goods, the higher the possible gain.
From the bottom of most bonds, fixed deposits to the top of the Industrial collectibles, covering the market, our common types of investment products.
We can see:
Low risk: deposits, government bonds, money funds, bonds reverse repo, the local government debt, part of the bank financing;
moderate risk: corporate bonds (AA level and above is excellent), part of the fund, part of the bank financing;
high risk: Some funds, stocks, P2P, trust, part of the bank financing, foreign exchange, futures, precious metals, industrial, and other collectibles.
An explanation about:
Trust (the threshold of 1 million), foreign exchange futures, precious metals, collectibles, are of relatively high-risk, high threshold.
P2P: high risk, more than 3,000 problems, or on foot, and principal and interest are not being paid.
P2P lack of strict supervision of investment to be cautious carefully indeed. If someone tells you there is a 15% earnings P2P has no risk, do not touch!
We must not use more than you can 30% of the investment funds to invest in this platform.
And the situation need to look at before investing platform entire operational and financial risk control, or have the backing of large companies.
Financial products, the risk of a large span, from low to high have.
Typically 50,000 threshold, and the bank itself is divided into the issue of third-party distribution, banking consignment.
Therefore, investment banking financial products, be sure to look at the product manual. The deadline to raise funds to invest in and how many days? Earnings of way? Preserving the Poly? Guaranteed floating interest was not guaranteed or not guaranteed income? and many more. Do not see the bank is a low risk that is oh.
In addition, another disadvantage of bank financing, the fee is very high.
Stock, the stock is a high risk position in financial pyramid, for many people to buy stocks, the stock simply means buying string of six-digit code is entered when.
But in fact, but one of the six numbers behind a listed company representative. When you buy shares of a listed company, it means that you have become shareholders of the listed company, is the owner of one of the company's stock down, you will lose the company's stock rises, you can enjoy rising earnings, some listed companies will be the regular dividends to shareholders.
And bonds are not the same, when you buy bonds, you become the company's creditors, the company has an obligation to your principal and interest, but you can not enjoy the benefits brought about by the company's growth.
Buy a company's stock, the company has no obligation to share losses Shihai your money. But you also have the opportunity to enjoy a high-quality companies continue to grow and develop the process to bring high returns.
Many different types of funds, there are high and low, a low-risk money funds, bond funds belonging to risk, equity funds are high-risk.
Monetary Fund (such as the balance of treasure), is characterized by safety, liquidity is good.
Local government bonds, corporate bonds need to look at borrowers, the ability to pay back the money, interest and borrowing time. AAA grade corporate bonds above the threshold of 300 million.
Treasurys reverse repurchase risk is very low, liquidity is good, the threshold is too low; only in the stock market to repurchase (securities companies need to open an account).
National Treasury has credit risk is very low or no risk.
Time deposits is very low risk or no risk. So if someone recommended investment products gains more than the national debt, but said no risk, the need for vigilance.
In fact, through the analysis, we recognize the common market, investment goods, but also want to understand the long-term outperform inflation, only know how to put money in the bank, to buy the balance of treasure is not enough to exclude high-risk and low return, we want to pass investment banking beat inflation, we ordinary people can choose the investment funds and stocks the product is.
note
In the process of financial investment, we are often too much emphasis on earnings, but ignore the risk, in fact, risk and return are inextricably linked
There are three sentences, describe the relationship between risk and return, please be sure to keep in mind:
(1) Low risk does not necessarily mean low income.
If you are patient enough to wait for an investment product and then buy undervalued, often low risk, but also give you enough return.
Of course, this kind of investment goods is the need to seek knowledge and methods.
(2) high risk does not necessarily mean high returns.
June 2017, "IGOFX" crash, this so-called "lying earned dollars," the so-called foreign exchange trading platform for nearly 30 billion yuan of nearly 400,000 investors lost.
It claims a year can get seven times, two years can get 66 times earnings, then add into the mechanisms of MLM, quickly attracted a large number of investors.
Invested 10,000, 70,000 a year change, change 660 000 years, but also to introduce new investment into the platform. Some financial investment with a little common sense, know that this is something impossible.
But the temptation of short-term riches + sites on the packaging too tall friends and relatives vowed commitment + + bonus early, a lot of people in foreign exchange, in this case the platform ignorant gradually put hard saved savings.
This is subject to high-risk investments on foot, and can not give you seven times a year, two years, 66 times higher earnings.
In many cases, you stare at the high-yield, but others are staring at your principal.
(3) Low income does not necessarily mean low risk.
Bernard Madoff's former Nasdaq chairman Ponzi scheme, promised annualized rate of return of 10%;
by the end of 2015 to initiate an investigation of E rent treasure, promised benefits only just 9-11%.
Many small partners fall into the scam, is the belief that such a low rate of return can be achieved in many ways, so it should be safe. However, it is this thinking blind, will make people fall into the trap without even realizing it.
Most of us are ordinary people, you can earn are to pay their own time and energy in return for wages.
Because money is not easy, it is more to understand before the financial investment, financial investment primary purpose is to protect your wallet, do not let cheat sheet easily succeed; not blind investment, otherwise they will be out of their hard-accumulated loss of principal.
Meet on the basis of these two points, let's talk about money things right.
We study and combat, in fact, you will find only unknown is always scary.
Reverse repurchase bonds
1. Now, to tell you a particular investment product is suitable for small Bailian hand - the national debt reverse repurchase.
Treasurys reverse repurchase visibility is not very high, in fact, it is particularly suitable for beginners investment banking shoes to practice hand, pull out the most suitable wool earn some pocket money.
For example, a node in a special time of year, sometimes to the annualized rate of return of 20% -30%. September 29, 2016, the Shanghai Stock Exchange one day bond reverse repurchase rate by 45% intraday breakthrough, there is no Guards feeling?
那我们再来复习一下逆回购是什么鬼。
国债逆回购，其实说白了就是借钱给别人，是一种短期贷款。个人把自己的资金借出去，获得固定的利息收益；借款人（一般都是大企业）用自己的国债（或达到一定评级的债券）作为抵押获得这笔借款，到期后还本付息。
买国债逆回购的都是公司行为，短期过夜拆借，实际借款数额很大。正回购门槛300万起，也就是说向你抵押国债借钱的人，至少都有300万的资产。
Here it is actually a national debt collateral, we know that the risk of government bonds is very low, so use government bonds as collateral is also very safe.
So why have companies will pay significantly higher interest to borrow money from it?
When the market short of money (red banking system performance, enterprises short-term lending) when the company will be high interest rates to borrow money through a variety of channels, reverse repurchase bonds is one of the channels.
2. We take a look at its advantages:
① safety, do not lose money: government bond repurchase, between you and borrowers, both mortgage bonds, in the middle there is the China Securities Depository and Clearing Co., Ltd. (referred to as the board's , similar to the role of the stock exchange) in the supervision and management, if the borrower is not out of money, the board's will help you put money back;
② low risk and high return: the reverse repurchase rate of return with the financial side of the relevant market , the more intense the capital side, the market needs more money, the higher the rate of return reverse repurchase;
convenient operation ③: there you can directly sell the stock account, enter the code to operate fast, automatic funds due arrival;
④ fee low.
3. finished its advantages, let us look at what the crowd fit.
① bank deposit only, balance treasure, and you want a high income people (there is no sense in saying this is the original own ah?);
② investors (our money in the stock market, stood for nothing is unproductive, but reverse repurchase through the day, there are gains overnight, the next day the money can be used to buy stocks);
people have the money at home ③;
④ has just launched a very fresh, new investors hands itch. Fund shares will not to point fingers itch for Solution reverse repurchase ~
4. national debt reverse repurchase a total of 18 kinds of varieties, Shanghai and Shenzhen each nine kinds of specific varieties as shown below:
Shanghai Stock Exchange to repurchase bonds, corporate bonds in Shenzhen for the reverse repurchase.
We have to remember is that by one day is, one day reverse repurchase, by seven days seven days reverse repo is currently traded on the market is more active 1 day, 3 days, 7 days and other short-term products.
In addition, the Shanghai and Shenzhen stock purchase threshold very different.
Shanghai stock market is relatively high: 1000 yuan for the 1 hand, 100 hand played, that once the operation needs at least 10 million. If you want to sell more, according to an integer multiple of 100,000 to increase the amount, 200,000, 300,000 ... up to no more than 10 million.
Shenzhen People lot: 100 yuan to 1 hands, 10 hands played. If you want to sell more, according to an integer multiple of 1000 to accumulate, 2000, 3000 ... no cap on.
Treasurys reverse repurchase transaction times and stocks, only opening time, ie in the period from Monday to Friday 9: 30-11: 30 in the afternoon session 13: 00-15: 00, not national holidays operating.
When will lend the money back? Reverse repurchase funds receiving date is T + 1, withdrawals date is T + 2. To reverse repurchase one day, for example, the day of purchase, the next trading day before the opening of arrival, that will not affect the next day's stock exchange investors, and then the next trading day may turn out to cash to your bank card .
Note: Generally not opening weekend, the arrival date will be postponed! For example, if you buy a one-day Friday reverse repo, then go to next Monday the money will be returned to your account - if you want to take now is to wait until next Tuesday.
cost
Next, tell us about the costs of the transaction, reverse repurchase also have fees, but very low fees 1-30 yuan per 100,000 yuan, a thousand dollars, only 0.01-0.3 yuan fee, the specific standards in the following table :
I am not feeling income is not too high it? This is determined by the demand for funds in the short-term, daily income and not be too out of color, but in some special time, such as when the market is very short of money, to achieve annualized returns of 20% or even more. Although only a day or two just to earn money, but also a good tool for cash management.
When that income will be relatively high?
1 year from the time point of view, the end, quarter-end, mid-year, when the year-end money shortage, interest rates will soar.
2, from one week to see Thursday's interest rate will be higher.
3, from one day time point of view, the opening half-hour a day operation is a good opportunity, is 9:30 to 10:00.
Here it must be noted, to carefully consider the reverse repurchase transactions for a long time, because once the deal, the money is not due to get out of.
This differs from the Kazakh bank deposits, time deposits if you really urgently needed, but also willing to bear the loss of interest on a regular basis, or can be taken out in advance.
Reverse repurchase operations, the first to have two conditions: ① in the brokerage account, ② a minimum of 1000.10 yuan in the account (0.10 yuan a transaction fee).
We take a look at the national debt repurchase gains is how to calculate: the amount of the transaction proceeds = yield interest-bearing Days / 365
this formula we should be well understood, because interest rates are annualized interest rate, so be divided by 365 days Oh
Key explain the number of days interest, the interest for several days, in accordance with the actual number of funds used to count the days.
We just say, reverse repurchase treasury bonds is to wait a trading day in order to cash, right?
This makes it easy embarrassing, if Friday's arrival, then the next week in order to cash, it is not a waste it? Oh do not worry, as our country is considered ordinary investors, the interest is calculated according to the number of days of occupancy, which means that even if one day, a weekend, just three days in accordance with the related interest Oh.
To do demo
Well, the basics of reverse repurchase of government bonds described here, the following specific methods of operation:
Huatai Securities APP phone interface demo:
The menu bar transaction interface has a [financial] is the national debt reverse repurchase friends. [View Point into all bonds of financial products]
go after, we will see all the Shenzhen Stock Exchange of bonds of financial products. We look at the focus of the first row, second column, fifth column.
Explain
the first column: product name, you can see that funds used for several days, for example R-001, funds used for one day. R-028 funds used for 28 days.
Second row: annualized rate of return, meaning the market to come out of current interest. This interest is changing, according to changes in market demand for funds.
For example: As shown in the screenshot, to lend and one day was 3.3 percent interest, to lend and 28 days was 3.8% interest.
The fifth column is the number of days interest, this is well understood, R-001, take the money out of the day to day you interest, R-002, the money you take out two days to two days of interest. And so on.
To May 14, 2018 reverse repurchase operation process screenshots for everyone to demonstrate it.
This screenshot bit long time from now, but the operating procedures are the same.
The next single is what the interest rate, then in the capital occupation of the time this rate, the saying goes, fixed interest. That is, you can be understood as capital preservation [interest].
How much is your income, single-moment decision, and charges 7 cents.
Reverse repurchase talking about this, the junior partner will probably be thinking, income is not high yet, only 3.2%, much better than the balance of treasure it.
Here to teach you a way to allow reverse repurchase annualized yield of more than 4.0%, not worse than the bank financing it.
We should note that many financial products are expected to say that [yield], implying no assurance can be achieved, but some products are not guaranteed, only tells you the investment risk is high, medium and low.
What exactly does it work? Actually very simple, we've talked about earlier, through the analysis of historical data: In the end, quarter-end, the end, reverse repurchase proceeds will be high. We can seize this feature, maximize revenue
Time income portfolio strategy
of this combination is [R-001, R-002, R-003 ] and [R-014, R-028], a combination of the time.
For example, at the end of a simple four operations
per approaching end of the month annualized rate of return will rise, on April 20 - April 27 for 7 days only participate in R-001, why, it can be seen from the figure, this a few days annual yield can reach 6%, the maximum reaching 12% in April on the 26th day up 9%, but the holidays coming up on the 28th. It will reduce interest rates next month.
So on April the 27th was a time when participation R-028, R-028 up to the day in 4.46%
You do not have to sell at a high point non, nobody knows where the high point, as long as the rate of return of 4% or more to sell, had already exceeded the balance of treasure.
At that time gains screenshot
We do not know the day reverse repo at what time highs, after data back-tested, we can see the high point usually before 10 am and after 14:00, then you probably will be able to see this time, not The total need draining.
These are the simplest use of reverse repurchase bonds of financial products, according to the rules of market analysis + strategy is to maximize the benefits of the method to achieve.