Based on the current overall economic situation, all of the first half of 2009 are conservative and prudent financial management strategy based, in the second half for the proper conduct of the more aggressive financial strategy.
09 financial stocks will be the most prudent allocation. Secondary market and the country's macroeconomic performance is closely linked, has experienced rapid inflation, the original high-growth into a second growth, most of the enterprises have reduced profitability or even losses, the risk of the investment enthusiasm of the residents dispersed , the secondary market will not rebound quickly or quickly into the But it is worth noting that, as the world's commodities go bear bottom, bond prices go higher, the stock will also be brewing another round of increases. So the whole: for prudent individuals and families, 09 the stock configuration to be careful in the first half, 09 in the second half may be appropriate to intervene. Bear in the 2009 exchange of cattle during the transfer I would consider the stock, but certainly not the investment style as before, and I do long-term, buy only the shares put 1,2 year, and other changes in the market again when the new cast out.
I just put the Fund as a self-saving. But the fund established and high quality options to issue-based fund company. For the ordinary people is concerned, the best strategy is to fund each month is scheduled to vote, ordinary people into 1000 ~ 2000 yuan per month is enough, but also pay attention to fixed investment, balanced, and partial shares of the fund investment makes sense, can enjoy the long-term surprises.
currency bond-credit class products in the first half of 2009 will be sought after, relatively healthy gains, the dollar does not rule out the first half in 2009 because of world economic factors, there will be appreciation of the situation, so it can properly in U.S. dollars of investment.
financial products in order to maintain the variable income is appropriate. While the principal amount of floating receipts to ensure that income is not high, but higher than the demand and time deposit rates, this choice is also the case Ruoshi better choice. We have to remember is to choose products not only look at the expected rate of return, but the overall form of the future be sure.
for me, with the exception of fixed investment funds and insurance, and other investments until the time when the bears turn cattle do, insurance is the most important security function, severe illness, the risk of accidents which are the most basic safeguards measures. Asset allocation to be based on individual, some people like a lot of products and categories, for me, one or two species is enough.
many economists believe the United States, fluctuations in the economic development of W, China is a V-type fluctuation, no matter what type, the frequency of economic turmoil the world is bound more frequently than before, before a new economic development need more than ten years or even longer period of time, but may now be five years is enough, the market adjusted quickly, so 2009 will be a CBBC alternating process.
lifetime financial planning
irrespective of whether or not, but the financial management is essential. Money does not equal to the investment and financial planning is a comprehensive and long-life financial planning, economic environment, whether good or bad is not our financial reasons. At the same time, professional financial planning, including cash planning, consumer expenditure planning,Bailey UGG boots, education planning, risk management and insurance planning, tax planning, investment planning, retirement planning, property distribution and inheritance of eight aspects.
For us, the eight planning is most closely linked to consumer spending, such as houses, cars. For this stage the needs of individual buyers, the new tax breaks and preferential loans for home buyers obviously save money, so now would be a good time to buy a house. I myself intend to buy a house in the first half of 2009, although the third quarter, housing prices will fall a minimum value, but never have the mentality of hunters, because you never can not copy the end, real estate appreciation in the long run will always be , and use it as part of asset allocation is still very necessary long-term investment, than other types of investment but also be ideal that is also not recommended to buy a house buy a size too large, 90 square meters of the following most reasonable in the future resale rental are relatively convenient.
must be young to do the insurance, personal risk to work for. The younger class of insurance severe illness put into better, more than 20 years of age spend very little money invested, 26, 800 yuan to protect 10 million, but 30-year-old will spend 1,200 yuan out.
We live quite near from there cash planning. This is bound to say to the credit card, I have two credit cards, is used to hire a large amount of merchandise, a to daily expenses. The most important feature is the credit card can increase the cash flow of the hands, such as ten thousand dollars you want to buy a television, can be paid in installments by credit card to guarantee the circulation of money in hand; also can enhance personal credibility, my credibility on the credit card high, the higher degree of credibility in future loans to buy a house easier.
I changed from the radical sound, experienced a change of style, and now my financial planning is that money must be stored, all investment should do, after ensuring the security of the base, short-term financial products or bond funds, government bonds such additional consideration, shares only a small amount of input, in addition to setting long-term investment funds can do, other do not recommend long-term operation. This is one of my blood and tears of experience. Only if all of the risk protection have done together, and lost money was not so bad. Chinese people have never encountered such a bull market, everyone was crazy, but in 2009 this fanatical need to calm down.
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