Several recent events have led many to fear that their money will grow: first, inflation is getting closer to us as domestic pork prices rise above 30 yuan, pushing up the November CPI to%. The second is that the central bank announced a cut on january 1st, releasing 800 billion liquidity and increasing liquidity, which would inevitably lead to a gradual decline in the purchasing power of the currency.
So, what many people care about is, how do ordinary people keep their currencies from falling? In fact, the financial investment market is also in a dilemma, some of the higher yields are more risky, and the lower yields, some investors are not satisfied. However, from the current situation, investors are better to remain sound, less touch some P2P, trust and other investment goods, after all, to ensure the security of the principal is the key. In fact, for investors with different risk preferences, choose the goods they want to fight against currency devaluation.
For conservative investors, as long as the basic run over inflation is OK, so you can choose private bank deposits, the yield is between%. At the same time, state-owned banks have large certificates of deposit with a three-year yield of more than 4%. On top of that, you can invest in structured financial products (usually linked to gold and foreign exchange), and, of course, investors can buy treasury bonds and yield more than 4%. In short, conservative investors, the pursuit of investment stability, capital preservation in the first place.
Furthermore, for some prudent investors who can invest in banking products, the average yield is well positioned to beat inflation at 4-5%. You can also buy some equity funds, money funds, and investors'yields are reflected in their daily net worth. This kind of investment is to maintain and increase the value of property through expert financial management. But investors must be more risky than conservative investors.
Finally, investors who prefer to invite in can buy relatively safe bank stocks, such as the big four banks, with an annual dividend yield of around 5%, that is, it doesn't matter what stock you don't understand, and as long as there's a continuous drop in bank stocks, you'll be buying bank stocks and holding them for the long term. Be patient until the next round of bull market rally. Therefore, the holding of bank stocks, both to ensure the relative safety of investment funds, the annual dividend yield of 5%, once the bull market yield is likely to double.
The current downward pressure on the economy makes it harder for ordinary people to fight inflation. If you're a conservative investor, buy more than 4% of your financial products. If you're a solid investment, buy some equity funds to get high yields. And if you're a radical investor, you can be directly involved in the stock market, buy some bank stocks, because it's less risky, and have a dividend yield, and if you're in a bull market, the assets can double. Therefore, investors can make their own investments according to their different risk preferences.