As for how people manage their finances, it is always a topic of conversation after dinner. There are all kinds of expert advice, strategies, and strategies on the Internet, but how many of them are really suitable for ordinary people's financial investment?
Many financial and economic experts discuss the investment and financial management of the common people every day, and it seems that it is really good for the ordinary people, but is it really suitable for the ordinary people? Looking at the seven King Kong that financial experts often say are suitable for the people's financial investment, there are five investment channels that have been completely dumbed, and two investment channels that ordinary people do not understand at all.
Let's take a look at the seven most suitable financial investment jackpots for ordinary people flooding the Internet:
The wealth management of the First Donkey Kong Bank has been reduced from the public wealth management of guaranteed principal and interest to the risk financial management that the public does not dare to invest
In the past, bank wealth management was unlimited, and within a few years, bank wealth management was promoted to the largest wealth management boss in the asset management industry, and became the public's favorite wealth management investment asset. Although it is said that you don't manage your finances and ignore your finances are publicized by those social wealth institutions, there is no doubt that bank wealth management has become the first King Kong for the general public's financial investment.
But how beautiful it used to be, how embarrassed it was later. The new asset management agreement has disrupted the continuation of the bank's scenery, after all, bank wealth management is to protect the principal and interest, safe and stable to attract those investment and wealth management groups who live on pensions, and the uncle and aunt have become the first main force of bank wealth management, and now the bank wealth management has lost the guarantee and redemption function of the capital pool, and it is not allowed to invest in the purchase of bank credit products to defeat the asset ability of capital and interest protection, and in 2022, the bank wealth management has achieved two large drawdowns of net value, and the drawdown rate of some wealth management products has reached more than 30%, and there is still 21% at the end of 2022 The loss of bank wealth management products has led to the complete degeneration of the image of bank wealth management, and the image of stability, safety and public investment has become a joke and a past.
The rate of return is not better than bank deposits, but the risk is much higher than the interest rate of bank deposits.
The second Donkey Kong fund invests, from professional people to do professional things, dumb fire for professional people to do things that pit people
The sudden rise of the fund is not surprising at all, after all, "professional people, do professional things" is very beautiful, and the investment income of the fund has also made investors salivate, not only investors have obtained higher returns, fund companies and fund managers are also making a lot of money. From 2015 to the second quarter of 2020, the growth trend of public funds and private funds in mainland China reached 16.9 trillion yuan, and the scale of private fund management reached 14.9 trillion yuan at the end of the second quarter of 2020. According to the data of the Asset Management Association of China, the net asset value of public funds in mainland China reached 27.38 trillion yuan at the end of October 2023, becoming the largest institution in asset management.
In 2022, all public funds lost a total of 1.4 trillion yuan of investment principal to fund investors, and only 4.34% of active equity funds achieved positive returns, and the remaining more than 95% were loss-making, and in 2023, they will continue to lose 434.678 billion yuan, and there are 13,929 A-share public funds, of which 11,140 funds accounting for 80% have had a negative return since the beginning of this year.
More importantly, fund companies are not responsible for investors, but for the size of their own funds, because as long as there is a scale, they will charge 2% of the management fee every year, and some funds will take 20% of the investment income, or even more powerful to take almost all the high returns. However, fund managers use illegal means such as high-level pick-up, shorting themselves, rat traps and over-the-counter options to obtain higher handling fees, sales commissions, rebates, etc., and the fund has become a liar in the eyes of ordinary people. It has become a phenomenon that a large number of funds have been redeemed and re-transformed.
Third, Donkey Kong stock market investment has been reduced from the most effective means of preserving and increasing the wealth of ordinary families to a way to shrink wealth
Stock market investment has been likened by experts as the most effective means and way to preserve and increase the value of ordinary family wealth, mainland stock market investors in the stock market for ten years and 3,000 points of defense of the background, still continue to grow a large number of people, the current stock market investors have exceeded 221.4 million people, of which individual investors account for 99.76% of the whole market investors.
However, the pattern of retail investors losing money in the A-share market has never changed, except that the stock market has been in a 3,000-point defense battle for more than ten years, retail investors lose money during the bear market, and retail investors also lose money during the bull market, which has become the curse of ordinary people's stock market investment and financial management.
According to a survey of 764,600 investors in mainland China conducted by authoritative media, 92.51% of investors will lose money in 2022, and only 4.34% of investors will make a profit. In 2022, the average loss of the A-share stock market was 240,000 yuan, and the average loss of A-share investors in the 14 months from December 31, 2022 to February 1, 2024 was more than 14 yuan.
Shareholders continued to suffer substantial losses, and at the end of July 2023, 257,000 A-share shareholders were closed, and there is an acceleration phenomenon.
Some netizens on the Internet have summed up the four major laws of retail investment in the stock market: First, if you persuade people to speculate in stocks, they must be enemies; second, if you do not make money from the stock market in the first three years, you will not be able to make money in the next 30 years; third, the extent to which retail investors will lose money before they leave the market has become a major issue; and fourth, for ordinary people, if the result of investing in the stock market: the bear market wants your money, and the bull market will cost you your life.
Fourth, Donkey Kong Gold Investment, value preservation and appreciation investment assets have become hot investment assets due to the difficulty of realization
Prosperous collection, troubled gold gold. Gold is not only a recognized asset for ordinary people to maintain and increase its value, but also a public safe-haven investment asset. In almost all financial portfolios and financial advice, gold is one of the must-have choices for investing in assets.
The growth of gold prices in recent years, especially this year, has also excited gold investors. But no matter how the price of gold grows, gold investment faces a very big drawback: it is difficult to liquidate.
Some netizens said that they invested 900,000 yuan to buy gold, and now the price has risen to 1.1 million yuan, and they feel that there are 200,000 yuan to earn, so they want to cash out, but the recycler is only willing to pay 800,000 yuan, under the sharp rise in price, not only did not cash out 200,000 yuan of gold investment income, but also lost 100,000 yuan to cash, is this a bit funny.
Besides, for ordinary people, the amount of capital required for gold investment is relatively large, the price of gold fluctuates too much, it is difficult to cash out gold investment, and the depreciation rate of gold jewelry is high, so ordinary people are becoming more and more cautious about gold investment.
The fifth Donkey Kong insurance investment, at first sight insurance is as deep as the sea, and goodbye relatives are enemies
Insurance was originally a means and protection against risks, but later insurance became a way and means of investment and financial management. On the Internet, those who say that currency depreciation are selling insurance, and those who say that bank deposits are depreciating are also selling insurance, and when depositing in bank outlets, they tell you that the interest rate on bank deposits is too low, and there are higher interest rate products, and eighty percent of them are also recommended insurance and financial products.
However, under the vigorous promotion of insurance and wealth management products, insurance has become synonymous with scammers: I originally went to the bank to make a deposit, but I bought insurance; a netizen surnamed Zhang said: "I originally thought that buying an insurance could bring a sense of security to my retirement life, but I didn't expect that in the end, I couldn't even get back the basic principal." ”
Some netizens complained about the propaganda of a bank: Ms. Wang is 60 years old, pays 50,000 yuan a year, pays for 3 consecutive years, and starts to receive 5,000 yuan per year in the fourth year, and receives it for life, adding a pension to herself. Doesn't it look very good? But netizens complain that they have begun to deceive the people! Because at the age of 60, pay 50,000 yuan per year for three years, and 150,000 yuan for three years, and receive 5,000 yuan every year from the age of 64, and it will take 30 years to get it back, how many old people can live to 94? This insurance product is too shameless!
Not only the customers, but also the employees of the insurance themselves. A netizen lady, as an employee of an insurance company, spent more than 100,000 yuan to buy 21 insurance policies to improve her performance. When she left her job a year later, she found that she only received more than 10,000 yuan in commissions, and she decided to surrender the policy, and finally got back more than 20,000 yuan after an extremely difficult surrender road.
It is no wonder that a bank employee said that if he became the president, he would never be allowed to go to the bank to sell insurance, which would deceive the people and damage the reputation of the bank.
Sixth, Donkey Kong Treasury bond reverse repo, although the investment risk is low, most investors are not familiar with it
After all, the interest rate of treasury bonds is higher than the interest rate of bank deposits of the same period, and the risk degree is lower than that of bank deposits, and it is the most risk-free financial investment product among almost all investment and wealth management products.
However, investment in treasury bonds is now facing the reality that it is difficult to find a single bond, and the latest issuance of treasury bonds has even appeared in seconds. However, the most popular reverse repo of treasury bonds is less well known, and most ordinary people are even less familiar with it.
The risk of reverse repo of treasury bonds is indeed relatively low, the liquidity is still relatively high, and the interest rate is locked when buying, so investors who pursue stable returns can make some attempts.
The 7th Donkey Kong Convertible Bond Investment is suitable for investors with certain professional knowledge and investment experience
Now there is a kind of convertible bond in the securities market, which combines the dual characteristics of bond investment and stock investment, which has a fixed investment income at the time of purchase, and has the opportunity to be converted into stocks after maturity to obtain the potential for stock investment appreciation.
However, this kind of investment is not suitable for all investors, and is suitable for investors who have certain knowledge and experience in stock market investment.
The seven King Kongs of investment and wealth management recommended by financial experts to ordinary people, such as bank wealth management, funds, stock market investment, gold investment, and insurance, have been dumb because of the high risk and low return; while the reverse repurchase of treasury bonds and the investment of convertible bonds require a certain amount of professional knowledge and a certain amount of professional investment experience for ordinary people. Do you know how to invest and manage money?