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Data:2009-12-12 2:34
"One area, with a city, there's always the same street mansion and legendary symbiotic coexistence of rich and poor, no one to deliberate arrangement, and no one is rich or poor doomed." "Babylon rich financial management course" a book described, in 1890 BC the ancient Babylonian kingdom of wealth phenomenon.
3000 years later, noisy city, busy life, many people are lamenting not have time to take care of wealth. Therefore, everywhere in this world, sadly, filled with talented poor. To get rid of bad luck so talented poor, we need to learn to manage their money. To learn to manage their money to come from investment portfolios and investment vehicle for entry.
In a large number of financial products, the fund has a diversified investment, financial experts, the risk characteristics of moderate, gradually become the mainstream of public financial management products, domestic "base people" ranks rapidly. From 98 years since the past eight years, China-based China's total number of accounts have been more than 10 million. In order to better investment funds, investors in selecting fund companies, products, they were concerned about the choice of channels for fund transactions, and special interest channels, the cost, safety, convenience and other features.
At present, China-based China in general through a bank or securities company's business department network counters to buy the fund, but with the Internet banking customer base, the development of Web-based Bank fund to pay for online transactions are also being gradually into people's hearts. Agricultural Bank of China is now fully open funds online direct marketing, China Construction Bank, China Merchants Bank, Bank of Communications, Industrial Bank, Guangdong Development Bank, part of the opening of the fund or brokerage of online direct marketing. In 2004, the fund online trading started, after two years of hard work in 2006, the Fund is very active in online transactions, trading volume showed growth spurt. With the recognition of investor transactions over the Internet and ever-increasing, the fund online trading has become an indispensable marketing platform for the fund.
Why fund the development of online transactions can do so fast? There are two main reasons:
First, the fund online trading service for investors, banks and fund companies is a key win-win business, and has been actively promoted by the parties concerned. Agricultural Bank of China launched the fund online direct sales business, for example, for banks, the business is ABC "Golden E shun" Net Bank payment systems value-added services; for the fund companies, the business provides a very good open fund's online marketing platform; For investors, providing concessions, convenient one-stop online financial services.
Second, for investors, the fund has the unparalleled advantage in online transactions. "Offer more freedom more, create more wealth" is the Agricultural Bank of China launched the fund online direct marketing slogan.
First, offer more, the fund subscription fee online trading stock funds rate down to 4 fold, the Fund for subscription and redemption fee is free. Compared with the traditional distribution channels, investors purchase 10 thousand yuan to 90 yuan equity funds can save the fee; followed by free more, because of a network without time and space constraints, with the traditional bank-branch sales operations of the Fund is more than fast. Finally, create more wealth, the fund provides a richer online trading fund products, investors can follow their own risk preferences choose the right product, to obtain value-added wealth. In addition, the Fund redeemed online trading funds Daozhang time faster than the traditional distribution channels throughout the two days or so.
E era of financial management, fiscal management information collection and analysis, through the Internet platform, the implementation of family financial planning. Fund online transactions relying on the Internet, very suitable for Chinese families financial needs. So, how to operate in order to give full play to the fund online trading advantage? Friends e Jinpeng Peng Wah Kai in online trading operations at home as an example for everyone to share the following four kinds of save both money-saving operating skills.
Skills 1: Using Conversion cheaper
The fund online trading fees to buy funds enjoy preferential treatment, but generally can not redeem the discount. You can convert the fund in disguise to achieve redemption rates of discount. Because the fund company policy's conversion rates are generally lower than the inter-fund holds less than one year redemption rates. If investors bought a pang China and China 50 stock funds, can be first converted to Penghua Monetary Fund, and then redeem Peng Chinese Monetary Fund, so that the total cost of funds realized is a direct redemption of approximately 6 fold.
Skills 2: the sale of time to choose
Online transactions by the Fund confirmation of T +1 day rule, investors generally do not choose Friday or on weekends to buy funds; online transactions by the Fund of funds Equity Fund Redemption Day Dao Zhang T +3 rule, investors best choice Monday or Tuesday redemption, can ensure that the funds can be used within the week. If investors through the Friends of the e-Peng Hua-peng Peng Hua Jia redeem the value of online transactions advantage of funds, three in the afternoon before the Tuesday launch for redemption, funds available for ABC Friday Jinsui card.
Skills III: Monetary Fund as a bridge
Fund online transactions because it is very convenient and can be arbitrary transactions. Investors can, through their own judgments, and constantly dynamically adjusted household assets in stock funds and money funds the ratio between the configuration, either in time to avoid risks, but also the healthy profit.
Tips 4: skillful avoidance of transactions
Unlike a traditional consignment fund online transactions, are required to complete a large number of documents, both can easily launch the application, you can also apply for not confirmed before the revocation of the application. Investors through the Friends of the e Jinpeng Peng Wah Kai homes online transactions issued prior to 3:00 in the T on the application can be withdrawn before 3:00 T day. Avoidance of transactions to return the funds back to register real-time online transactions Peng China Agricultural Bank of China debit Cary.
Financial needs of comparison, summarized a variety of financial experience and skills. Money will always be a real major problem, wealth, preference only to those familiar with the Tao people. E era of financial management is a wealth of home-made pipe, so that streams of wealth into your life. If you put in more effort to think and learn financial wealth, I believe you will embark on road to financial freedom.
