How do you manage your money in China?

There is a saying that "You do not finance, money ignore you", this word in different contexts there must be wrong, for example, many people are the operation of the industry have to specialize in the same way to make money, is not to say that it is inevitable that do not finance. But one thing to be sure of is that everyone wants to add value to their property, not to be at risk. If you want to add value to your property, you must know how to manage risk. In the past, our country's financial management variety is very few, this money is also more difficult to manage, so rich most people buy a house. Nowadays, it becomes more and more difficult to buy a house, but the variety of financial management is more and more with the development of finance investment system, so the choice is more and more. So, the question is, how can investors avoid risk? Below Jianhao (micro-signal: Jianhao) on the basis of their experience to talk about views. Jianhao that financial management should follow the three basic principles: first, the risk of a. Investment, the risk of control is the first, because the loss of the principal will be more difficult to return. A simple example, 1 dollars loss of 5 cents is 50%, but to earn back the loss of 50% without increasing the principal of the case to double the line. Therefore, investors in the investment time, must consider the risk, and must put the risk in the first place. How to control risk? There are three levels: first, risk awareness, which is always necessary, not to see the crisis. The second is to spread the risk, that is, do not put eggs in a basket, so that once there is a stir does not cause a big shock. Third, the ability of individual risk tolerance, the older the greater the ability to resist risk, it is necessary to avoid risk, the risk of high varieties should try to avoid; the poorer the economy, the weaker the ability to resist risk, considering the economic situation must try to consider the impact of risk on their own lives, do not gamble. Second, the rate of return. In the investment market, everyone is in pursuit of profit, so high profits also necessarily means high risk. For example, deposits are the safest, but deposit yields are generally the lowest; second, banking financial products are now the general annual yield of 5% or so; The general income of Peer-to-peer financing is about 10%, its security is certainly higher than bank deposits and bank finance wind, so to see the security of Peer-to-peer platform , the stock fund return rate in good times will be very high, but the market is not good when the risk is very high. In short, the higher the rate of return, the higher the risk is inevitable. However, since it is the financial management, it is certainly the pursuit of profitability, so as a wealth management investors, or to understand some financial knowledge, to understand the risks behind the benefits, and then try to avoid. Financial management, knowledge and rich, more professional, the corresponding high probability of earning higher, the more ability to evade risk. Third, the art of distribution. Often walk along the river, where have not wet shoes? Since it is investment in finance, there is no absolute no loss of the truth. In other words, the risk must exist, and financial management will always encounter. In this way, it is important for investors to control risk. So how do you control risk? Control risk, for ordinary investors, the most important thing is to fully understand the risk, and then spread the investment, so that the risk is also dispersed。 In this way, even if the real risk, it will not really bones. So how do you allocate it? Jianhao's view, we should spread the risk from two levels: one is to diversify the risk from the variety, that is, according to their own affordability, the assets are dispersed in different types of investment; For example, what is the proportion of assets, such as bank deposits and Treasury bonds, that are essentially risk-free, such as equities, Stock funds such a high-risk species should be in their total assets accounted for the proportion, such as bank finance, Peer-to-peer financial products such as the proportion of such wealth, such as precious metals, the proportion of collectibles? This ratio, objectively who can not help busy, can only according to their own actual situation to consider, specific problems specific analysis. Second, in the time of decentralization, that is, in one or several types of financial management, must be the cycle of financial products dispersed, as far as possible scattered in several financial products. With such dispersion, if one, one cycle of a variety of problems, it will not affect the entire investment. After the above three principles, we will introduce the current public can participate in the financing of varieties: first, the highest security varieties. Bank deposits, Treasury bonds, money funds, bond funds and other products are the safest varieties. Here only demand deposits have good liquidity (profitability is too bad, so few people are willing to have large demand deposits for a long time), the other several varieties are very poor liquidity, and the yield is not high. Their only advantage is security. However, for financial management, security is the most important, so these varieties are still an important choice for investors, but also one of the necessary. As for the proportion, according to their ability to resist risk and income distribution. The stronger the risk-resistant ability, the higher the income, the lower the proportion of the assets of this high safety product. Second, high safety varieties. Banking, insurance, financial management, trust and other products are relatively safe varieties, the general rate of return of these varieties in the 5%, high is difficult to high over 2 points, low will not be lower than 2 points, a lot of the situation is the rate of return between 4-6%. The overall risk of these varieties is not very large, relative income can also be counted, for people who do not know how to finance, these are required to match the breed. Just, here investors should pay attention to the relevant financial products of the terms of the agreement, do not make it clear that the purchase is not due to exit, the result of a large loss. As for insurance products, it often takes a long time to return the principal, so pay attention to it. Third, higher safety varieties. The more secure financial products include hybrid funds, Peer-to-peer Finance, trust funds and so on, these varieties yield generally 8% to 15%. High income means high risk, so compared to the first two types of financial products, this kind of financial products in the possession of high returns, the risk will naturally increase. Mixed funds generally in the stock market when the power of the stock market to have better earnings, or even far more than peer-to-peer, trust funds, but the stock market is not good when there will be negative returns. Overall, it is much safer than equity funds. As for the Trust fund, the yield is normal at around 10%, sometimes higher, but the risk is oftenDepending on the specific breed, this requires careful screening by investors. The current more popular is Peer-to-peer financial management, recently asked more people, just say a few more words. Peer-to-peer financing is a new variety of financial management, its emergence is to solve the short-term financing of small and medium-sized enterprises, China's economic development to the current stage of the need. Therefore, the Chinese Government supports and attaches great importance to this, and the two years of peer-to-peer financing have sprung up and flourished. However, the development of a thriving is on the one hand, some small peer-to-peer platform due to the management is not standardized, risk control is not good, the final volume of money to run, close closed. But even so, it cannot suppress the industry's booming trend, which is determined by market demand. Therefore, with the development and standardization of the market, more and more good peer-to-peer enterprises have survived, the annual yield of their wealth management products is generally around 10%. How can investors be as safe as possible and minimize risk? In fact, the most important thing is to control the following six points: 1, look at Peer-to-peer platform strength. How to see the strength? Enterprise scale, registered capital, operating time, management standard degree, financing scale and historical repayment situation. Under normal circumstances, large scale, management norms, long operating time, large-scale financing, high credibility of the enterprise, its strength will be stronger, the investment of their security will be higher. 2, look at the risk control ability. The most important part of peer-to-peer operations is risk control, so whether the platform has a risk control team, whether the team is professional, whether with the greater risk control agencies and so on are the evaluation of Peer-to-peer platform is adequate security indicators. In the domestic credit system is not perfect situation, peer-to-peer platform to the borrower for the first instance, face audit, inspection, such as a series of pre-credit audit, this audit is enough professional, or whether there are more authoritative channels to the capital to do control, will evaluate the key. If the wind control is bad, once the platform is too bad, the platform can not advance, the principal may be the consequences of recovery. 3. Whether there is guarantee. Now the big Peer-to-peer platform is guaranteed, but investors still have to pay attention to whether the Peer-to-peer platform is secured, but also to see what the security agencies are capable of. With the guarantee and the firm's strong strength, investors can invest more safely. Because of the guarantee company, the issuance of funds will be more stringent scrutiny, security will be higher. Now a lot of peer-to-peer platform at least the external statement is the capital preservation money, so the general situation in all aspects of the safe will not appear investment. 4. See the Operation flow. Look at the relevant platform is not the funds of Third-party escrow, is not the financial process of transparent operation. Transparent operation, so as to ensure the ins and outs of funds, the corresponding risk is more controllable, the platform of the black-and-black operation is less, the corresponding more secure. 5, see if there is collateral. On the one hand to see whether the product has collateral, collateral is what, relative to the real estate, cars and other risks will be smaller. If there is no repayment, the mortgage-related property can be used to sell to reduce the loss of investors. In addition, it depends on the mortgage rate, which is the percentage of debt and collateral value. See mortgage rate is mainly to prevent the mortgage is not enough toTo compensate for debts. If not, the risk of investment will increase, and the situation of repeated mortgages should be avoided. 6. See the mode of operation. Different Peer-to-peer platform corresponding operating mode also some differences, some are decentralized investment model, some are staged investment model, each has advantages, the key to see the platform's operation. In combination, such a peer-to-peer type of investment with a higher yield but a greater risk than the previous one, investors must diversify their investments, such as on different large peer-to-peer financial platforms, on the same platform on different products, so as to minimize risk. On the whole, some of the platforms of Peer-to-peer investment are becoming more and more mature and worth trying to pay attention to. Iv. higher risk varieties. such as open equity funds, closed-end stock funds, ETF funds and the stock market related to the larger fund products, the risk is relatively high, if the market good its income level is also very substantial, good time to double or even greater than a year is also possible, encounter bear market a year to fall half is not rare. So, buy this kind of breed, must know at that time market how, almost also want to know exit. Now, for example, the bull market is starting, so when you make a similar profit, you have to redeem some to reduce the risk, rather than the higher the more investment. V. High risk varieties. High-risk varieties of investment products, including stocks, futures, stock index futures, warrants, foreign exchange, and so on, the risk is very high, especially such as Futures, stock index futures, foreign exchange, such as high leverage products is so, the explosion is minutes. In contrast, stocks are less risky in these types of investments. For these varieties, stocks, warrants investors can play, but must understand the technology, understand the operation of the stock market itself, understand the rules of the warrants, at least the Jianhao of the "golden Game" to see more than a few times? In the past few years, according to the feedback of comrades, serious, careful study of flops's comrades have the ability to make money in the stock market, with a deep understanding of the stock market. Of course, if you want to increase the knowledge of the stock market, you can also buy the stock professional qualifications of teaching materials to learn, can enhance the ability to invest in the stock market. As for futures, stock index futures, foreign exchange and other leveraged investments, for ordinary investors is not recommended to play, have a strong risk tolerance of investors, but also to control the scale. In the control of the scale of the situation play, must be familiar with the operation of the relevant varieties of the law, but also to put the risk control in the first place. Play leverage hype, control position is the most important, is also art.