How To Win CPI In Financial Management

After several months of rising inflation index, the wealth Keeping and increasing the value of value has become the common people nowadays conduct financial transactions Hot topics. At the 6th Beijing International Financial Expo held here, how can we improve our financial performance interest rate During the period, reasonable allocation of assets to "fight inflation" and ensure that the wealth does not shrink or depreciate is the most concerned issue for visitors and the most frequently asked questions of financial institutions participating in the exhibition.

The reporter interviewed nearly 20 visitors randomly at the scene of the golden Expo. Almost all of them said that they hoped to learn more about financial planning skills to cope with the rising inflation rate.

According to the data of the National Bureau of statistics, the CPI index rose for three consecutive months. In September, the year-on-year increase of CPI reached 3.6%. Market institutions expected that the CPI might break through 4% in October. The phenomenon of "negative interest rate" that CPI was higher than the one-year fixed deposit rate of banks has lasted for eight months. It seems that the price of money has been rising more and more intuitively in recent years.

Gold allocation is the best choice for many people to seek wealth preservation. At the scene of the gold Expo, gold investment enterprise booths have become one of the most popular areas. At the same time, silver has also entered the precious metal investment market with the attitude of creating a 30-year high price. In addition to physical silver products such as silver dollar treasure and silver bar, "paper silver" and silver T + d have also become new choices for investors.

However, "the current price of precious metals has reached the highest level in history, investors should pay attention to the buying time point." Zhao Yan, senior financial planner of Huaxia Bank, said that in the long run, gold still has good investment value, but it is better to buy when the gold price is back.

At the same time, the reporter also noted that the robust financial products are another hot spot for visitors' consultation. At the fair, the Bank of China, Agricultural Bank of China, China Construction Bank and other commercial banks launched their own stable financial products.

The financial consultant of China Everbright Bank wealth management center suggests that different types of investors should choose their own financial products according to their own capital scale, stop loss ratio, risk preference and other indicators, reasonably allocate assets and reduce risks, so as to ensure the maximum income.

Zhao Yan suggested that from now on to 2011, people's financial management should still focus on savings and sound financial products, supplemented by risk-based financial products. People with strong risk tolerance can appropriately increase the proportion of risk-based products, such as allocating more hybrid funds that can flexibly allocate stocks and bonds, or theme stocks with relatively low value It is an important means to improve the annual return of investment.

Chen Yun believes that at present, we can choose more financial products such as hybrid public funds and sunshine private funds. Since the beginning of this year, the overall performance of many funds has exceeded that of last year, and most of the returns are above 15%. Zhao Yan said that at present, the stock market is at a relatively high level, but it is still possible to appropriately increase fund investment. He suggested that investors who are not sure about the market situation should choose the fixed investment method.