Investing to make money to balance insurance Insurance Tips Tips Bar

Category: Insurance tips Release Date: 2006-08-01

Do not know if you noted the absence of the last two years the field of personal finance and investment in China, there were two "more and more," the first people's pocket money, may be "reasonable" and "wealth" more and more, and the other One is the financial institutions, financial advisors more and more. In fact, I would like original aim, personal finance is nothing less than consumption, finance, money management and investment banking to protect the majority of three. Consumer financial management refers to how everyday life to spend and save money; security means more than financial security; and finance and investment, it mainly refers to financial and securities investments and real estate, industrial investment. This is not a simple theory, look at my personal asset allocation table, they will know it. According to my age and as a teacher's professional characteristics, work and income are relatively stable, at present should be the golden age of finance and investment, the money they should also live it, so the proportion of deposits and consumption accounts for less, but as a real estate finance and investment on the accounted for one of the most important position.

Appropriate intervention Property Investment

Also around 1997, working in Shenzhen I bought two suites. One of them is the second-hand housing, in the Window of the World's opposite, when the fancy is it a good location, indeed faster appreciation of the property last sold for a good price.

Guangzhou to hit the flats shortly after the housing reform, the mobilization of the work of some of my colleagues wanted to sell property, buy a house, I realized that the Housing Commission may be an opportunity. However, people's minds at the time, buy a house is not worth the change room seems to not quite be accepted. My determined with 17 million on a suite, now someone is willing to with 27 million or higher, I'm still considering them. Buying investment property has become my biggest "secret" and later in a suite is also a similar situation, was commissioned by the auction of the property, real estate license was able to get a problem. I almost below the original price about 1 / 2 the price of buying come in, buy now price from 4,000 yuan per square meter when it rose to 6,000 yuan, I think, continue to appreciate the space, waiting for a good opportunity to sell it to .

Dividend-based insurance investment for the long-term

Many people not to protect the investment as a financial, but I disagree, and always buy insurance as a guarantee that is still necessary, in fact, some investment-oriented insurance dividends have fixed dividends for the future and good planning, can be called double benefit. I have bought for themselves and their families educational grant insurance and pension insurance, and some purely to protect the nature of health insurance, the reason is very simple, people have good and bad fortune overnight, so when you have the time may not be rich, and such insurance to me and my family to bring security.

For other types of financial investments, I think we can properly selected a number of relatively fixed income bonds, but for stock and fund, or to intervene should be careful, after all, look at big city, now I have greatly reduced the investment ratio for the stock, in a word to see big city, waiting for their chance.

(Zhao Hang: Guangdong Business School professor of insurance and financial investment, deputy director of Research Center)