Don’t worry about it. The most profitable way to finance in 2016 was it-2828创业网

Don’t do the most profitable way of managing money in 2016 2016 it turned out to be the domestic financial market is not quiet: A shares 4 trading days 2 days on fuse drama, uncle aunt morning queuing grab bonds, P2P platform over run away…… The global economy, including China’s economy, is slightly depressed, and most investors’ returns are poor. How can investment be poor? The three year treasury bond fell below 4% and fell below 4.2% in five years. Under normal circumstances, the central bank cut interest rates, Treasury yields will decline. Today, the central bank has not cut interest rates for more than half a year, and the yield of treasury bonds shows the following trends: from the economic point of view, China’s economy is relatively weak in 2016, and the overall growth rate of GDP is slowing down. Currently disclosed data show that China’s 11 provinces and municipalities have not completed the GDP target throughout the year. It is precisely because the economy has entered a period of exploration and stability, China will not invest as much as it did in the past, so the demand for funds is no longer so urgent. The decrease of capital demand and the adequate supply of social capital in the investment market have led to a drop in the yield of Treasury bonds. Second, policy oriented, the government hopes to reduce the cost of long-term investment, low cost to absorb long-term investment into infrastructure and other fields, forming a long-term source of capital, and thus to promote the overall economic development, thus the yield of treasury bonds will also decline. The golden age of bank financing products fell below the "4" market, and the golden age of bank financing is declining: on the one hand, the scale of financial management is slowing down; on the other hand, the rate of return continues to decline. Since 2016, the bank financial products as a whole "broken 4" market continues to spread, and now it is below the 3.7% mark. Will the decline in earnings for bank products continue? From a macro point of view, the last quarter of China’s economic downward pressure is not reduced, this point from the previously released GDP data can be read one or two. In this case, in order to stimulate economic development, the central bank will implement loose monetary policy, so that the market funds remain abundant, so the market interest rate will still be downward. Therefore, in the long run, financial products revenue will continue to decline. The Internet treasure products revenue fell to 2 times the whole cargo base yields fell sharply, the current Internet financial products treasure 7 years of income rate has been reduced from 2% to 3%, some even below 1%, cargo base "Mami" to reduce income, make the Internet treasure products in the housing attractive discount. First of all, in November 2014 began to cut interest rates several times, loose monetary policy in recent years, leading to a variety of financial products interest rates continue to decline, the Internet "baby" has not been spared. Secondly, the Internet "baby" market tends to saturation, similar products too much, leading to lower overall interest rates. Finally, now there is very little financial platform only rely on "baby" to support the table, even in the same platform, financial channels are more and more, "baby" is only one of many products in the platform. Outside the monetary fund, the Internet banking platform is trying to attract investors with regular financial services, insurance, financial management, index funds and other categories of products. Melting 360 small summary concluded: the Internet "baby" although due to the preemptive market and have a certain scale, but low income!

别折腾了 2016年最赚钱的理财方式竟然是它2016年国内的理财市场并不安静:A股4个交易日2天上演熔断戏码,大爷大妈凌晨排队抢国债,P2P平台接棒跑路……包括中国经济在内的全球经济都稍显不景气,投资者的多数投资都回报不佳,怎样投资才不会变穷?三年期国债跌破4%,五年期跌破4.2%。一般情况下,央行降息,国债收益率才会下降。如今央行已经半年多未进行降息调控,国债的收益率呈现出以下趋势:从经济上来看,2016年中国经济较为疲软,GDP整体增速放缓。目前已披露的数据中显示我国11个省市未完成全年的GDP目标。正是由于经济进入探索稳定期,中国不会像过去那样进行大规模的投资,所以对资金的需求也不再那么迫切。投资市场资金需求减少,社会资金供应充足,这些使国债的收益率有所回落。其次是政策上导向,政府希望降低长期投资的成本,通过低成本來吸收长期的投资进入到基础设施等领域,形成长期的资本来源,从而也来促进整体经济发展,由此国债收益也会有所下降。银行理财产品收益跌破“4”行情蔓延银行理财的黄金时代正面临衰落:一方面是理财规模增速放缓;另一方面是收益率的持续下滑。进入2016年以来银行理财产品整体上“破4”的行情持续蔓延,如今更是跌破3.7%大关。那么银行理财产品的收益下跌还会持续吗?从宏观上来看,最后一季度我国经济下行压力不减,这一点从之前公布的GDP数据便可窥知一二。在这种情况下,为刺激经济发展,央行仍会执行宽松的货币政策,使市场资金保持充裕,所以市场利率仍将下行。因此从长期来看,理财产品收益也将持续走低。互联网宝类产品收益跌入2时代货基整体收益率大幅下滑,目前互联网宝类理财产品7日年化收益率基本已降至2%至3%,有的甚至跌破1%,货基“真身”收益降低,令披着互联网外壳的宝类产品吸引力大打折扣。首先,2014年11月开始的多次降准降息,近年来宽松的货币政策,导致各种理财产品的利率都不断走低,互联网“宝宝”也未能幸免。其次,互联网“宝宝”市场趋于饱和,同类产品过多,导致整体利率走低。最后,现在已经很少有理财平台只靠“宝宝”撑起台面,即便在同一平台内,理财渠道也越来越多,“宝宝”只是平台众多产品中的一个。货币基金之外,互联网理财平台正在尝试以定期理财、保险理财、指数基金等更多类别的产品来吸引投资人。融360小编总结得出:互联网“宝宝”虽然还由于对市场的先期抢占而拥有一定规模,但收益低迷、竞争激烈,正在逐渐失去优势地位,被不断更新的各式理财产品所撼动甚至替代。国际黄金价格再现暴跌行情今年上半年,因美联储一直按兵不动、英国脱欧公投触发政治风险,黄金的表现十分靓丽,不仅实现了自1985年以来的最佳业绩,同时也秒杀了各类投资理财方式,坐稳了收益冠军的宝座,国内黄金主题基金也表现颇佳,今年以来收益均在24%左右。但最近开始走下坡路,国庆期间国内黄金市场休市一周,国际金价却是另一番景象:在七天长假里跌了将近5%。在全球货币超发的背景下,对于黄金的长期趋势依然可以看好,但是短期内可能不会有上半年那么明显上涨。目前,全球主要经济体仍维持低利率政策甚至负利率政策、货币竞相贬值,美联储加息步伐或将放缓。加上近年来国际政治经济的不稳定,避险情绪继续升温,金价仍有较大上行空间。现在不买房,一年又白忙国家有关部门针对房地产市场的调控政策接二连三,但是,房地产的价格非但没有下降,反而节节攀升。8月26日,一则“上海将于9月1号限购的声音骤然出现”,8月29日,上海住建委明确表示“没有研究过此类政策”。从传闻出现到澄清,虽然只有三天时间,火爆的上海楼市再一次迎来了成交高潮,民政局也出现了一波离婚高潮,在越来越高的房价面前,很多人宁愿假离婚、借钱也要买房。很早就有人炒房,三年前有一个很好的楼要120万(在天津),融360小编清楚记得当时的想法是:炒房我不懂,而且那会房价已经很高了,再说我又打算离开天津了,所以还是算了。前几天再去天津晃悠的时候,现在房子值500万了!相关的主题文章:

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