Buffett: master of investment income may invest to cover
Buffett has the most important investment sayings: “the secret of success is three: first, avoid risk, protect the principal; second, avoid risk, protect the principal; third, resolutely remember first, two.”The words of wisdom BaLao warned all investors are only bear risks, to avoid risk, then ability is income.Therefore, investors should know before investing in the product characteristics and their investment risk to bear ability, choose suitable products, investment, to cover for the benefit is possible.
At present, most low risk preference is for the investors to invest the cautious attitude, guaranteed attributes of the solid facing such low risk management products: bank savings, guaranteedFund,And such products, which is more suitable for their increase configuration?
Bank savings, safety is the principal: inflation
Bank savings is the most reliable conservative financing.According to statistics, China’s saving up to 40 percent, is the highest in the world.But in increasing inflationary pressures, under the background of the bank deposit has entered the era of parliament, people increasingly shrink from the assets.
Guaranteed fund: can the break-even, liquidation cost is high
Guaranteed fund, just as its name implies is to ensure that no loss of the principal investors fund.Guaranteed fund generally have fund as principal safety guarantee guarantor.But the average investor in subscribe only buy and hold expires, the stage has promised to protect the right terms.If callable fund, can according to the net to redeem, such as losses to bear losses, and still need to pay part and redemption fee commonly redemption fee in the 0-2.
Such products with higher income: set, but was stopped
According to reports, financial products in bank, trust products in the actual rate year usually more than 4% in the product yield, semiannual around 3.7%.The yield on the bank, dovish model products, is always appreciated.However, such as cooperation by the CBRC stoppages, most such products production status, will face a financial market, to advance interior changes happen conservative investors, they have lost the money temporarily.
Through the comparison, it is easy to see in the current market trends, inflation is shrouded in the background, the individual savings, guaranteed fund and cooperation, has carried products can well meet the needs of investors break-even appreciation.The fine fruit is publicly selling bonds firmly with three arhitectural fund deposit rates for the current operation performance 1.6% + base, with “triple guarantee safety,” pursuit of capital cash income, solid convenient, low cost four characteristics.
The so-called “triple guarantee”, refers to the fine fruit solid gains “fine fruit armor target lifting mechanism”, this year the target on regulating,Use “fine fruit stock portfolio investment proportion fixedInsurance,CPPI strategy mechanism (), dynamic adjustment of assets to control rights, using “fine fruit bond portfolio risk control measures,” control of interest rate risk, the combination of credit risk and liquidity risk, protect the mechanism by above triple combination, stable operation.
This fund in pursuit of continuous steady income, and has realized at each day of liquidity, fund, fine fruit stable earnings redeemable for 0, purchase fee redemption fee only 0-0.8%.Meet investor low-cost flexible realizable demand.