Family Asset Allocation Should Be In Line With The Trend And Be Managed By Wealth.

With the approaching of the low interest rate era, how to manage family wealth well and increase the value of family wealth? A few days ago, Li Daokui, director of the China and world economic research center of Tsinghua University, commented that the growth of China's economy continued downwards in the three quarter of the year.

Since the second half of this year, there have been many policies, such as lowering interest rates, structural tax cuts, credit assets pledge, refinancing and other financial and monetary policies, which have played a positive stabilizing role in the economic downturn.

All these are closely related to the investment decisions of individual investors.

Lv Shifeng, general manager of the Personal Banking Department of Guangdong Development Bank, said that under the new normal situation, investors should observe the general trend and introspection themselves, and make good allocation, take advantage of advantages and avoid disadvantages and seize opportunities.

In the period of economic pformation, individual investors must follow the trend. According to the cycle and fluctuation of the economy, we should judge the trend of domestic and foreign economy, and make a reasonable portfolio according to the wealth management objectives of our family.

The basis of management objectives is to do well in household asset allocation, so profitability, risk and liquidity are factors that need to be fully considered when individual investors choose to invest in products. At the same time, the ratio should be chosen according to the actual situation of individual families, that is, considering the life cycle and the economic cycle.

Since 2014, Europe, Japan, China and many other countries

There is a downward trend in economy and prosperity.

The US economy has rebounded strongly and the business index has risen.

With the strong recovery of the US economy, the bull market structure of the US dollar is becoming clearer.

Lv Shifeng believes that the internationalization and marketization of the RMB exchange rate is a clear trend.

The future volatility of the RMB exchange rate may be more frequent.

In some specific periods, the reasonable use of foreign currency assets to hedge exchange rate risk is a necessary way to maintain asset value in individual investors' asset allocation.

Investing in strong currency countries such as the United States is a good choice.

Although the possibility of a significant depreciation of the RMB in the next 1 years is very low, from the perspective of asset allocation internationalization, given that the US dollar will continue to strengthen in the medium term, the US capital market and even entity assets will benefit synchronously, so the allocation of foreign assets is preferred for us dollar assets.

Wealth management of Personal Banking Department of Guangdong Development Bank

General manager Yao Yongping suggested that the best balance should be achieved through short, medium and long term three kinds of reasonable asset allocation.

Short term assets, that is, cash assets, are generally used for living expenses within 1 years, such as tourism and improving living consumption. Liquidity is the primary consideration in short-term asset investment.

You can invest in products with good liquidity and stable returns, such as short-term financial products within 1 years, Yin Hanggui metal trading platform and other assets that can be flexibly entered and exported.

Medium term assets investment time is usually 1 to 3 years. It is the main force of maintaining and increasing the value of assets. The purpose is to make steady profits.

Now our country enters the era of low interest rate financing. Under this background, we can choose bond and equity funds.

Individual investors can take a fixed investment strategy or a bargain buying strategy and accumulate a share to get a good return in the medium and long term.

Over 3 years are long-term assets, which are generally used to pfer risks and maintain family economic stability. Insurance products are typical representatives of long-term assets.