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Do Not Be A "Miser" Who Only Saves Money.

2011/4/12 11:58:00 48

The Fund Decides To Invest In Miser Financing.

How much does wealth shrink?

You may not pay attention to it, but it has been affecting your wealth in silence.

Kenichi Ohmae, a trend expert in Japan, put forward a startling observation in his recently published book "M society":

new economy

The tide has changed the economic and social structure, and the middle class representing the wealthy and stable is rapidly disappearing. The social structure is pforming from the inverted U to the M society.

In the M society, saving is the first step to accumulate capital, but it only saves money.

Miser

"It will soon be pushed into the middle and lower class, because inflation is eroding profits faster than interest rates, and putting money into banks will become less and less.

Not long ago, the central bank raised interest rates again, and the one-year deposit rate reached 3.25%. However, in February this year, CPI reached 4.9% and the negative interest rate reached 1.65%, which directly led to the shrinking of investors' wealth. According to the latest forecast of CICC, CPI or innovation reached 5.3% in March, and the negative interest rate remained at a high level.

In this regard, financial experts suggest that investors effectively guard against inflation measures, that is, as soon as possible to cash in hand to have appreciation potential assets, so that their wealth is also rising along with prices.

Under the current circumstances, we should grasp less cash, invest more in investment activities, and increase the investment income to resist the loss of interest on deposit.

The fund's fixed investment is an important way to avoid wealth shrinking and to achieve long-term and steady returns as a way to manage financial affairs.

Financial experts roughly calculated an account: assuming that starting from January 2000, 5 yuan per day will be fixed on 1000 yuan in Shanghai stock index, with the Shanghai Stock Index closing price as the fixed price of the day, with a total investment of 10 years. According to the final holding share, the total amount of assets invested by the end of 2009 can reach 218654 yuan, far exceeding the principal amount of investment 120 thousand yuan, the yield is 82.21%, while the 5 year time deposit rollover rate of the same period is only 34.99%.

Conduct financial pactions

Experts said that because the fund decided to take a small batch entry approach, relative to a single large investment, more risk diversification and cost advantages.

It can be seen that using fixed investment as a way to ensure that family wealth is maintained and added to value will be more effective in reducing investment risks and resisting inflation.

Let's participate together.

Automatic investment plan

Don't be a "miser" who will only save money.