Investment manages money product guards against to marry mistake Lang partial profits are not as good as deposit( case)

In investor impression, manage money product is often steady mainly, however when others gains the time of full basin full bowl last year on the stock market and fund, 4 kinds of investor is gloomy endlessly, their profit is even not as good as current bank deposit, even loss capital. Purchase manages money product profit is though important, but control risk is more important, otherwise, once " marry mistake Lang ", may undertake the risk that can't imagine by oneself.

Why their meeting loss? This year they should what to

銆€銆€QDII fund

It is miserable

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Last year, spreading Hong Kong's share straight line turn , will soon open the news of floodgate, individual may also invest in share port, what Ms itches at heart, want to open an account to stir-fry share port , but again feel that do not know trade rule, own fried risk is greater, so, she, in September of last year, has bought a QDII fund which is puting investment Hong Kong's share above everything else. " QDII at that time is very fiery, still match pro rata, I have thrown 1000 thousand the 10 thousands more than 70 are concluded. " in October QDII view infinity, but good scene does not grow , the November QDII net value of one month has been declining 11%, so far, what Ms has lost the 70 thousand of 60 thousand on QDII fund. Now, QDII fund has opened to redeem to return, does what Ms hesitate very much , are to redeem to return , alter to do other investments?

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China fund general manager assistant Fu Dong of company's Shanghai branch expresses that one is to adjust expectation, last year many customers actually compare blindly, think absolute profit possibility is more higher than A share fund. Current net value has come out , all also suddenly sees the light; 2 is the investment proportion of adjustment QDII, generally speaking, the investment proportion of QDII fund does not exceed the 20% of personal all fund investments. Already cover , proportion is not great investor, suggest to do not worry to redeem to return. The future QDII spoil well, key is still to see that external market is how about. Now, there is expert forecast, American secondary debt still has outbreak peak, is in first quarter , that is said the most bad condition also in first quarter of this year , is also now from the degree of last year of four seasons, adjustment also very ample. For QDII fund, all have commited a mistake, is when very high some position comes in , now does not repeat an offense second mistake, when very low some position redeems to return.

銆€銆€Bosom friend

The regular profit

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On March 1 of last year, citizen Liu Da Ma takes out with the in former years the same national debt of be due on hand and has bought the national debt of ten thousands of first new hairs. " our elderly, stock etc. play Yi, which do you dare touch? Eventuality raw illness , still have to live in retirement , rely on this some last stakes completely , must not lose. " can take every year deposit than bank the profit of many points, Liu Da Ma satisfies rather, but in this year, Liu Da Ma has touched new worry: " last year has added some of interests, does the national debt that I buy now cannot catch up bank to deposit? "

Originally, Liu Da Ma expects national debt last year on March 1 in the 3 years bought, the rate 3.39% of face value of annual interest. But after adding breath continuously six times, now for 3 years, the bank deposit interest rate of issue has risen to 5.4%. " you say that I now still take out? Do you take out to calculate? "

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Nanjing cityIn letter(10.710.111.04%Stock)( 601.998 thousand lines of feelings, share ) manage money teacher Gu Xi Lin has bought the investor suggestion of national debt for last year, do not sum interest in unsatisfactory half a year because national debt is held , and draw in advance to deduct the service charge of 0.1%, therefore if national debt holds the suggestion that time is lower than 1 or 2 months cash national debt in advance. And take out after having waited fully half a year by the suggestion of holding 4 or 5 months , because after full half a year, accountant calculates current deposit profit, not as lose capital. National debt holds fully one year to draw in advance also calculate current interest only, have only fully 2 years, talent according to minute the files sum breath of interest rate. Therefore for the investor who has held the half time of one year more, suggest to hold fully 2 years to take out.

" draw in advance as to the national debt of every customer whether calculate , our metropolis calculate one thin Zhang. " Gu Xi Lin has calculated pen to Liu Da Ma thin Zhang. Assumption Liu Da Ma the national debt on hand is 10 thousand Yuan, now, have held the time of 10 months. If according to original plan do not draw in advance, the deserved interest of so this 10 months is: 10 thousand Yuan ( 3.39% 12) the 282.5 Yuan of 10=, if draw in advance now, can only calculate interest according to current deposit 0.72% , may get the interest of 59.17 Yuan , and then deduct the so loss 233.33 Yuan and service charge of 10 Yuan.

If Liu Da Ma draws national debt in advance to make investment again, will mend the loss of 233.33 Yuan first, leave the national debt of 26 months if do not take , interest should be 734.5 Yuan. This two add 967.83 Yuan , and then exclude with 10 thousand golds , and then multiply , exclude again with December with 26 months, may come out finally, new investment will reach the rate of annual interest of 4.47% to just calculate.

Coming again to see that now, safety property compares high new share kind manages money the profit of product, it is around 10% in average , is high to exceed 20% , estimates in this year that profits can still have 10% around. Attend to night forest therefore to suggest Liu Da Ma, may draw national debt in advance, attention this kind of manage money product in, for example the new share planned expected profit of letter 6%-20%, blue chip is planed ( investment new share and fund and blue chip) estimated year melts profit 36%, expect for two years.