In recent years, investment and financial management have been deeply rooted in the hearts of the people, especially after the A-share market ushered in a small bull market in 2020, many young people have run into the market and become new basic people. But in 2021, the A-share market has suddenly changed, in addition to the new energy booming, the previous market popular liquor, medical and other magic is no longer there, the market hotspot rotation is frequent, how to invest, has become a problem that plagues countless people.
As 2022 approaches, how can the average investor be good? What should I do when I am not sure about the market? Let's talk about this topic today.
What will be the investment market next year? Let's start by looking at the attitude of the institution.
Recently, words such as "He Nian Ji" and "New Year First Base" have appeared frequently in the publicity of many fund companies. Many new products released after New Year's Day in 2021 began to warm up, and even the head of the public offering has been brewing in 2021's "tens of billions of explosive" funds, "opening red" has gradually become the year-end highlight of the public fund.
Wind data shows that taking the subscription start date as the statistical caliber, since December 24, there are currently 65 new funds (different shares combined) from 43 fund companies, including E Fund, Huaxia Fund, Invesco Great Wall, etc., on the issuance schedule.
So many fund companies are scrambling to issue new funds, does it mean that fund companies are very confident about next year's market? The intensive issuance of new products by fund companies usually indicates their confidence in future market conditions. In turn, the "bullet" held by the head fund is also a necessary condition for promoting the in-depth development of the market.
However, we must also note that the opening red refers more to a specific sales cycle of the sales channel itself. For fund companies, fund sales are actually a long-term and continuous process, which does not reflect that the market will be very good next year.
In fact, for next year's investment market, the judgment of different fund managers is also different, some people are optimistic about the rebound of liquor and medical treatment, some people are still optimistic about new energy, and some people are more cautious about the market. Coupled with the continuous shock of A shares this month, in the face of the unknown market and the upcoming New Year's Day holiday, many investors have pressed the tentative button and chosen to wait and see.
When you press the pause button on an investment, there is a problem that the money that was intended to be used for investment is useless, which really doesn't feel very good.
Office worker Xiao Zhang is the new base of the market in 2020, when he caught up with the tail of the bull market, entered the liquor fund, once rose very well, but after entering 2021, due to market adjustment, the fund in hand is also in a state of floating loss.
Until last month, baijiu began to rebound, and the fund in Xiao Zhang's hand was slowly unwinded, and after making a little money, Xiao Zhang, who had been set for nearly a year, immediately sold it, and finally unwinded it.
But investment is a habit, looking at the extra idle funds in his hand, Xiao Zhang wants to continue to invest in the fund, but because he can't see the market clearly, he doesn't dare to start, but he has to put the money in his hand, and there is no income, and he wastes the opportunity to make money in vain.
At this time, for investors like Xiao Zhang, if there is a product with good income and can be taken out at any time for buying the base, it is too good.
In December, by chance, Xiao Zhang came into contact with Chao Chaobao and directly solved Xiao Zhang's troubles. Good income, strong liquidity, holidays can also produce income, when you can't see the market clearly, put the money into the chaobao, both can generate income, after the market confirmation can be taken out at any time for buying the base, simply not too good.
What is the Chao Chaobao that makes Xiao Zhang so satisfied? Chaochaobao is a spare money wealth management product of China Merchants Bank, which has been loved by investors since its launch.
As a wealth management product, Chaobao is commendable for its average 7-day annualized income of about 3%, and while taking into account high returns, Chaobao's liquidity is also very strong, and it is known as financial management like demand whenever you want to use it.
Not only that, as long as you buy Chaobao, whether it is a weekday or a holiday, you can generate income at any time, and the utilization rate of funds is full of points. Moreover, the purchase threshold of Chaobao is very low, and the minimum penny can be purchased, so that the financial management function of different volumes of funds can be fully utilized.
With the characteristics of Chaobao, whether you are raising funds to prepare to enter the market, or in the stage of holding funds and "selecting" products, Chaobao can make up for this gap very well, so that investors can truly achieve "money does not take a holiday". When the direction of the market is determined, you can always access it when you want to invest, and fully grasp every opportunity.
If you happen to be in a period of investment confusion and don't know where to invest, especially if the New Year's Day holiday is coming soon, and you want money to make money, choosing Chaobao is a very good choice.
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