Make more money up
reporter / Zhangbang Song Qi Tian Zheng Guo Taotao take Anlin
1 before the Spring Festival in mid and late 2008, China had a roller coaster ride investors collectively. The stock market depth fell from January 14th day all the way down to nearly 5,500 points, breaking the 5000 point, which continues to test a low, until the 4800,4600, 4500 can not be maintained almost. This is in terms of China's tens of millions of investors is a wake-up call?? 2008, the stock market in 2007 will never reproduce the scene.
stocks, funds, or a house. In China, even millions of body owned, do the rich and financial management the same way, let alone has only a small mass of idle funds. magazine 1, 2008 In mid-January, a collaboration with Mouwang on If they have 5 million yuan in hand, then. Furthermore, we finance the Okanagan nerves are strong enough, and only 17.24% said they were blind financial comparison, the rest of their financial ability to have more confidence. that has come in In 2008, they will choose stocks, funds, real estate or gold to add value for their wallets.
say that 2008 is Now drop it daunting, and then playing the stock market in 2008 would dare it? And, most people after the 2008 Olympic Games is not optimistic about the stock market. If so, the Fund's performance is not the same as people in 2007 practical.
house is not so optimistic. began to argue from October's how in the end, no one can now give a standard answer,Discount UGG boots, Chibidaigou become mainstream. In the magazine's survey, there was only 13.96% of people continue to favor real estate.
macro-economic background can not be optimistic. reaction. This is also an important catalyst for the stock market crash.
It seems that only the sword of the 2008 fiscal front side to the game, not just limited to the future looks bleak on the stock and property markets. so more willing to publication out of the an offer, you can choose a suitable that, and hope you can get even a little bit of fresh information.>> into my house to talk with finance!
New Year, and wish you 2008 on wealth accumulation.
money if you have money left 5 million, where would you invest it?
option to purchase the proportion of votes
1 funds, insurance that 45.6% 1909
2 Buy stock, there may be a better return 27.47% 1150
3 to the bank, prepare for contingencies 19.61% 821
4 insurance, gold and other financial products 7.31% 306
your last one What are the financial management of selected, their performance?
proportion of votes
1 option to buy the fund (stock), and later sold, income is not bad 36.42% 1502
2 no financial management, more conservative 32.32% 1333
3 to buy the stock (the Fund), but fitted at the highest point of the 19.88% 820
4 other investments, the performance can be 11.37% 469
you feel you are in financial management, what kind of character?
Options proportion of votes
1 has the idea of financial management, but no capital 44.05% 1804
2 has its own long-term financial planning 35.21% 1442
3 is blind, so the quilt was 17.24% 706
4 is a genius, and in the past been verified 3.49% 143
2008 fiscal year you kind of the most promising way?
option to purchase the proportion of votes
1 Fund 44.71% 1839
2 1205 29.3% invest in stocks
3 investment properties 13.96% 574
4 12.04% 495
buy gold how you look at the people around financial management?
options
1 ratio of number of votes the majority are blind, easy to follow the trend of 48.92% 2035
2 very envious of people who finance, feel quite good finance 34.09% 1418
3 is not very concerned about the 12.02% 500
4 they will not have any good results this year, the risk is too 4.98% 207
Eight blue ocean to find cause for concern
to fail to seize the opportunity to double the price of; and if companies IPO, do not understand the situation of business operations, it is difficult to obtain high returns, or even down the drain. but there are much better choice than no choice, 2008 doomed to years of financial management more complex and more Attitude
1: Gold futures gold futures
was January 9, 2008 opening gong, and the day to set a maximum price of gold futures world.
gold internationally as a standard product, the pricing rules are universal, not with a significant geographical feature, it is difficult to be manipulated by human factors. In addition, because the factors that affect the gold price is largely a global , so there is a high degree of interaction at home and abroad. From this sense, the operation of gold futures relative to other commodities, the nature of the goods under its own factors, much smaller, more demonstration of the characteristics of financial products. In other words, for the average stock investor, if you want to participate in gold futures, commodity futures will not be as involved as the other. It has the short mechanism shows a great advantage, it is clear that confusion in the stock market valuation for those value is too high is very attractive to investors.
2: With the Beijing Olympic Games Collection
arrival of Olympic-related investment is gradually warming up collections. hundreds of Olympic collections are numerous, including posters covering the Olympic Games, Olympic press, Olympic items, the Olympic medals, Olympic mascots, etc., but traditionally it is the Olympic stamps, Olympic coins and Olympic souvenirs as the Olympic series of three collections. who hosted the Olympic Games countries, regions or cities, have formed a culture collection of Olympic souvenirs.
a coin collection market, operators told the onwards, the collections have continued to rise over 100% everywhere. If the market price and investors are more familiar with specific varieties, action can be speculative. In addition, the Olympic theme the role of inter-related, so if there is new varieties to be released, has issued the market price of varieties will often continue to rise.
but to remind the industry, due to the recent international precious metals prices generally rose, so the subject matter of the coin better way to recover the high prices, but investors should not blindly follow, when a routine collection of its own market value of more than 10 times the value, the investment risk on the already very big.
3: Private Equity
more and more private enterprise with public to serve their own financing, at the same time to expand their international visibility. the laws of the United States there is a requirement that people, or not listed. about property rights through the trading center of China listed manner to the transfer, property rights, the information center will be located in the provincial and municipal institutions of professional investment advice, and is provided through the investment advisory consulting, services and trading platform for equity investment services to individuals and institutions.
three large private equity investment advantages: First, the shareholders of the enterprise, while enjoying the company of dividends; the second is to enjoy the pre-IPO asset value; Third, the high business listing the amount of return, which is the most attractive place. because the market launch of this year, private equity will also further improve the withdrawal mechanism, and its return on investment more easily grasp. but the purchase of private equity investment products, investors should carefully analyze their compliance with relevant laws and regulations, do not fall into the Hong Kong stocks are rising.
through train China's capital market in 2007, a major outstanding issues, Chinese officials and academics on whether and when the CDB CDB through train, there are still big differences. A source revealed, the original train plan may be terminated, but the central government is considering the appropriate alternative, it is learned, the Central Government may establish a business.
compared with the through train smoke and mirrors, foreign-funded enterprises in China, plans to issue A shares only one intention. market in the second half of 2007 numerous reports of foreign companies interested in landing the SSE message, including at least Standard Chartered Bank, HSBC, Gazprom, Bank of East Asia, Henderson Land Development Co. and Reuters Group have expressed the desired intention of the A share market. SSE also responded positively to the position a number of occasions to create an international board to absorb the world's best companies.
Hong Kong stocks and foreign shares, one to go out, a bringing in, if realized, will undoubtedly be the divert the attention of investors have a greater impact.
5 : investment-linked insurance
on insurance, there are two sad life: one life is too short, if something happened, we should not see the risk onto insurance companies; Second Life too long, if not to buy any accident insurance occur, whether that money was wasted it?
investment-linked insurance can largely solve this contradiction. buy investment-linked insurance, the premium paid for as part of an investment, part of the purchase of life insurance protection. Investment account funded by the insurance company within the investment professionals responsible for the investment operations, customers enjoy all investment income, while the corresponding bear the investment risk. part of the purchase of life insurance protection as a person. Moreover, investment-linked insurance is a special kind of insurance products, It is very flexible, protection and investment ratio can be determined entirely by themselves.
6:
of wine on the wine (Enprimeur) is a French term meaning After bottling the wine before the procurement process.
of wine is considered to be stable,UGG boots clearance, rational and investment can bring feelings of pleasure, and stocks, real estate and other forms of investment compared to the cultural heritage of art and wine meaning it has more added value.
industry believes that the wine trade from the international operating earnings of view, investors can often obtain a 50% gross margin space. of the first to note the wine investment is a risk that the raw materials of grape growing, which will directly make the wine price fluctuations of more than 10 times. In addition, the wine cellars kept very strict conditions, it also gives the wine an investment of uncertainty. investment of wine as other futures, the need to obtain a wide range of information in the field. such as the year in the region report, the winery operation and management of change, the previous auction price products, investment products, the number of years and so the basic information. Of particular importance is the authority or the department's wine quality evaluation.
7: Orchid Orchid
market downturn a few years after the end of 2007 once again heating up. It is understood that the price of rare orchid has soared more than twice than some time ago. < br> orchid flowers known as the gentleman said, and now the speculation is more like a family of blue called fried blue family came into being. Some people get rich because of it,UGG bailey button, some people because of bad investments and lose everything. like the stock market ups and downs, like Portland City was also happy others are sad. orchids illiquid, there is no formation of a national trading platform for information flow, information asymmetries that price transparency is low, while increasing the value of orchid itself is the lack of the intrinsic value of biological characteristics of sickness and death, the constant discovery of new varieties, people interested in the transfer of a greater investment risk.
and identification of some orchids sometimes even the authority of the department is not good to conclusions, let alone those who have no knowledge of the early entry of ordinary people. Once bought just drop it in his hand, but rather on the yuan and even millions of dollars of investment to zero.
8: home farming
sounds very tricky, but has some benefit. from rural areas to those who work in cities is increasing, a businessman from the city return to rural areas is increasing, this is the phenomenon of Siege.
signs of tightening supply and demand of agricultural products in fact, have emerged two years ago, but was adequate inventory of agricultural products worldwide, so the market can consume inventory to meet demand, which makes no significant agricultural prices rose, the change was decided to supply a major factor prices of agricultural products. However, after more than two years after digestion, the global stocks of agricultural products has declined to 25-year low, stocks of wheat consumption ratio to 16%, soybean stocks are reduced to 20% of the consumption ratio, consumption ratio corn stocks to 14%. and this downward trend will continue in the next two years.
This goes on for creating an excellent opportunity to invest in agriculture. Warren Buffett, George Soros and other top international investment guru pointed out a year ago will be continued good agricultural investment.
agricultural prices, for investors, concerned about the and agricultural-related financial products, such as the agricultural sector, agricultural futures, of course, is the question of the proper meaning. but we can change a thought, since the agricultural prospects, then whether we can leave the highly competitive city, and the choice to Rural business? vast rural areas, promising, which in 2008 may no longer be an empty word.
eight must be careful to touch the financial products
some blue ocean may not make money, but the following must be careful to touch the financial products is indeed difficult to make money. such as credit card, although it was also high in the stock market, through credit card cash, the proceeds may get a lot of money, but such high-risk investments is not Ancient Calligraphy and Jade, and even identification standards are not yet established, but also how to establish a reasonable trading platform; bank trust management products are not completely useless, good luck will also encounter a good product, but the introduction of many major banks in 2007 , where the vast selection of products really need patience, knowledge and trust
1: Bank commissioned a financial product
Do not believe all financial institutions to launch investment products, frequent bank financial products have long been dazzled people to pick, and advertising in the risk of personal financial products deliberately avoided, it is easy to confuse the customers expected return and actual return of the judge. a lot of financial products, after the expiration of income is very small, even zero.
such as Shanghai Pudong Development Bank Ninth Meeting of RMB financial plan financial F2, December 28, 2006 to December 28, 2007, 10 million year-end investment income was only 39.6 yuan. Despite the current financial products ever-changing, each product also has its own design ideas and investment strategies. but will his money in the pockets of others, others will not be hard for you to take care of, but also there is a problem.
2, G Fund
to a strict distinction between private equity and fund two completely different concepts underground time. since the a good impression.
the ground fund, is undoubtedly the greatest risk of a variety of investment and financial management. Although very popular , as long as quietly underground development funds, is always associated with great risks. For in addition to the legal regulation of underground funds, non-public information and lurking in the underground of the secret operations have not resulted in its own certainty.
3, credit card
often heard beyond interest-free offers, it can not find any related financial management functions. On the contrary, it has a role in stimulating consumption gauge, enabling you to unconsciously increase the cost of living expenses, cut to finance and investment funds.
enjoy life, should be placed after a successful investment. credit card and the relationship of your life is: if you put your credit card as a financial investment tool, then you'd better stay away from credit cards immediately; If your life has rich enough to ignore the existence of credit card, then the credit card you can indeed become a financial tool.
4,
Why are ancient paintings, contemporary oil paintings of the stock market is so hot, often high-priced auction record, while the age-old Painting and calligraphy works of art has always hovered in the low tepid? answer is for the ancient paintings, even the experts do not have enough grasp of authenticity and identification.
false painting has existed for thousands of years almost, now Anhui, Henan, some area, there are proven false painting underground factories and development to the extent of pipeline operations, the market someone will take the bulk printing out fake paintings to deceive. Chang false picture painted by the early years are the only debut, his imitation of Shi Tao work hard to authenticity, pen and ink technique even better. If you are the appreciation of painting did not reach a certain level (this level is the consummate general requirements), it is best not to readily invest in the painting, whether it is thousands, tens of thousands, or a few hundred million.
5, the original equity
company referred to in section in the last chapter, financing difficulties of SMEs is also troubled by the real situation of local economic development, for which there are many local governments have launched a property transaction center, to provide a platform specifically for corporate finance. Here's the official seal is not carved out of radish, but do not guarantee you will be able to investment success really. Before the formal introduction of the exit mechanism, these options may be to bring great fortune, perhaps the trap, all in the operation of your business situation and the date is listed on the basis of understanding.
unless you Softbank and IDG has the level of those partners, do not believe in all the company's original equity, even if they are trading center by the government to finance the property. The Government is service, really bad investments, they do not know how to do, Moreover, laws and regulations in the relevant field is still blank. the old days when companies can know what the market does?
6, Jade
possession of gold in troubled times, flourishing jewelry. This is indeed a true investment, but now jade reserves less and less, while increasing the levels of fraud, if you're really not sure, do not invest jade collection.
whether and nephrite, or turquoise, the output have been getting smaller and smaller, Zhunhuo more and more people. If it is not expert in, the best money to buy more than 1 carat diamond. jade is also considered one of the diamond, but industry standards are relatively more transparent and orderly, and stable value, generally Every year, more than 15%.
7, borrowing investment
overruns investment, is the most damage to personal or family financial planning, financial planning and a lack of awareness of the performance without risk of life. Like many companies embarrassed in the short-term liquidity, as the consequences of overspending overdraft is greatly reduced the real income investment planning.
such as high mortgage repayment early to reduce the loan period, resulting in significant increase in short-term spending, at least for the short term great pressure on family life. Another example is when the tension in the capital to help turn to credit cards, and had to pay interest on credit card advances, which interest will roll over and become the new cause of financial strain and so on. In short, investment is the most non-borrowing access their accounts.
8, any financial products, poor circulation
before investing in each, should establish a risk mechanism, including how to exit, and the occurrence of a loss how to stop time. Investors In the simple return on investment when considering the most easy to overlook the issue is out, but once a flow of a poor investment products for a long time to stay in their own hands and can not be realized, then the investment income will only figures on paper only.
daily investment in many such cases do exist. such as a new commercial district of shops, or a large commercial stalls. like the time to slowly accumulate these rely on popularity to get a better return on investment projects is most likely to encounter liquidity situation was so bad you can not stand it. Another example of stamps, antiques, if you could not find a buyer, then what significance does it invest?
policy implications of the Rat seven wealth
Even the best stocks, broader market experienced depth adjustment, to follow down the same, even the best bull market, the introduction of relevant policies meet will follow the shock.
This is the reality, but also an essential understanding of financial .2008 Deal of face different, but overall, is not optimistic
1: rising structural evolution of the current significant inflation as the primary task of macroeconomic regulation and control, which means that all economic events in 2008 will focus on Since August 2007, the consumer price index for 4 months or more than 6% year on year, which in November rose 6.9%, reaching nearly 10-year high. pork and other food prices rose significantly, to the urban masses, especially affect low-income households.
Inflation is clearly running the enemy of economic stability. suppress price hikes, will become an urgent task of the government. Based on current economic issues facing the outstanding contradictions and problems, macro, 2008 policies have been major adjustments to the implementation of prudent monetary policy in 10 years to held, leading general
2008 年 3 月份 the upcoming a group of professional backgrounds will enter the rich young officer leadership. This will form a far-reaching impact of China's future.
experience shows that over the past few years, two before and during the two sessions, the stock market generally relatively stable, less any major volatility, the management policy of a big possibility of regulation is not great. However, market participants generally expected in late March after two sessions, the new management may bring the new regulatory ideas, which will have a direct impact on market psychology; Annual performance of the market around the end of the gold market has been largely, together with fears of bad policy, and the limited sale of non-tradable shares after the lift 3: ban sale of shares, lifting the total market value will be more than 3.2 trillion yuan, while in August this year, after Sany will also serve as the first tradable share reform companies.
According to statistics, in 2008 lifted the ban not only a substantial increase in the share reform, and the starting , and other private placement financing of restricted shares to bring the lifting of the ban could not be ignored. The 2008 March, August and September will be a limited lifting of the ban sale of shares of the peak, especially in the third quarter of 2008, lifting the ban will hit a record peak of the scale The market demand will be significantly increased funding.
Xin Lu town of great prosperity, said analysts, on the surface, 3 trillion yuan of stock market value of thawing is likely to face a tremendous pressure to give money, but careful analysis, We do not need to change the date, the renminbi appreciation has accumulated more than 10% in 2008, the pace of appreciation may be slightly faster, much faster but can not see the signs. experts believe that China will continue to promote the exchange rate reform step by step, it is recommended to bring attention to the asset revaluation reassessment opportunities.
from previous experience abroad, a country's currency appreciation will inevitably bring about long term stock market to the good. suggest that investors can appropriately increase the proportion of investment portfolio assets. Some choose to invest in working families can be considered equity funds,UGGs, index funds and other sound financial management tools to increase the family's securities assets. so get two benefits: First, investors can enjoy the appreciation of the renminbi to the good results of the stock market; the same time to avoid a lot of non-system of risk.
5: real estate property is a lot of people the New Deal
the most important financial planning, and real estate industry is also affected by the policy is no doubt one of the most significant industry.
Premier Wen Jiabao During his stay in Singapore, said: suggested that monetary policy from Labor Contract Law concern to those who make provision for protection of legitimate rights and interests of workers have a more powerful legal weapon. the quality and structure. will have a profound impact.
7: U.S. election
quadrennial U.S. presidential election will be staged again in 2008. China's economic growth rate is closely related to the first situation with the United States because the United States is China's major trading partners. If the United States to reduce buy Chinese products, Chinese exports would be reduced, along with the corresponding production.
Chinese Academy of Social Sciences Research United States U.S. Foreign Yuan Zheng, deputy director of the view that on specific issues, the U.S. focus will be different between the two parties. Republican candidates will focus more on security issues and seek cooperation with China, it would also stressed that the deal with the challenges of China's rise. The Democrats will more emphasis on engagement with China, but in the trade, democracy, human rights and climate issues put pressure on China. But fundamentally, U.S. policy toward China depends on its national interests, not the president's personal choice. Some people need to issue tough talk out of campaign, took office will make some gestures , but eventually return to the road to promote the development of Sino-US relations. Based on this, Youli You hold the future of Sino-US relations cautiously optimistic.
economists Ba that, another election year may bring One problem is that before the 2008 election, for subordinated debt issues, the U.S. government to cover long to cover very long, but after the elections, No time to appear. What is more noteworthy is that, as the dominant global reserve currency, the dollar's exchange rate changes on global capital flows will have a significant impact. If the U.S. dollar exchange rate strengthened in 2008, China's asset prices may be down, so Investors should pay special attention to the adjustment of the dollar.
eight sources of information to be concerned about the situation there has been less and less time. the United States is not only China's important trade partner, its economic prosperity determines whether or not a large number of Chinese factory orders U.S. stock market has always been the Asia-Pacific has a leading role in U.S. stocks of Hong Kong equities, Hong Kong stocks dragged down A shares after the subprime crisis has been a recurring situation. With the general trend of the judgments on, you can earn on the investment a wise . For example, in November 2007, I made a friend Ji Wei started to import and export 70% of the positions used to buy gold stocks, although the A-share listed Shandong Gold is gold and gold stock prices high. to his analysis U.S. economy subprime crisis is far from over, the dollar fell after the way the international price of gold will climb in 2008, a new high, the international price of gold to return home, will certainly a golden opportunity to bring golden shares. Sure enough, the situation He predicted the development of complete and consistent, he earned two weeks 50% of the huge profits.
Ten Tips to help you become your own banker
has a long-term financial planning is a matter, it is difficult overnight. each a wealth management products also need to spend time and effort to understand the stock market can not rely on intuition, not by the impulse of gold futures, as painting and calligraphy, jade even more so. out of these specific things, financial strategic vision and understanding need to become your own bankers, financial resources will be more along the more reason, the more reasonable the more
1: to spread the wealth
Linjia You also have the beginning of 2006 his wealth has been turned 10 times. However, in 5 years ago the spring of 2002, he was a wounded individual investors, in that crash, the forest of 100 million of assets invested only 30 million. Lin told the a message.
Zhanjiang in Guangdong, Lin is a construction company to work in a state of the old accounting. Lin said he started in 1998 fiscal, profits at first by playing new shares, the name of the name began to buy from the fund, not good enough to buy funds, to buy from the stock, then stock market crash in 2002, lost confidence, and then, the stock market into a long recession, Lin became a wandering woman in the town's horse racing in underground gambling were. Lin recalls, horse racing is thriving at the time, because in addition to areas of work less than 1,000 yuan a month's wages, there is no other good financial path. flourishing horse racing industry, but to the stall selling inside information on the so-called the any proceeds. until one day in 2006, he saw the flea market on the cover of an old magazine printed
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