Recently, the bank that enrol business investigates discovery to high-end client, add in economy fast below the big background that puts delay, chinese dweller is being endured " pressure of Chinese type fortune " worry, and error of widespread presence conduct financial transactions.
Since entering 21 centuries, the economy of our country extremely fast development, fortune of our country family shows the trend that grows 12.5% every year, be equivalent to 6 times what grew 17 years in the past. But, as the transition of economic structure, chinese economy enters period of new normal state, the speed that people money gathers begins to put delay.
"Pressure of Chinese type fortune " it is to get the result below our country special national condition and traditional culture influence, basically reflect as a whole in 3 respects:
01
Buy room, room to borrow reimbursement to press muscularity
As we have learned, end 2017, among the asset configuration of Chinese family, house property investment is investing total assets medium proportion is the largest, be as high as 68% above. Investigation shows, have the gets the person that visit to express to lack science when buying a house financing program of 52% , have 34% sufferring the person that visit to think the room borrows reimbursement is its main fortune pressure source.
02
Make offerings to the child and pressure of support old person are enormous
Suffer the effect of idea of ethics of our country traditional family, bringing up old person of children, support is the obligation that every family should use up, compare with other country posture, the children of Chinese dweller teachs defray, parental support pay, defray of domestic medical treatment is occupied mediumly in domestic fortune than very tall.
Especially singleton female, once marry,mean will make offerings to 4 old people. In the meantime, educational expenses of children is occupied in domestic total outlay be as high as 22% , pressure is very great.
03
Income source is single, consumptive demand upgrades
The data that publishs according to national statistic bureau shows, countrywide dweller can control income 2017 in, wage income is occupied than be as high as 56% above, show source of income of our country dweller is single adequately, lack the income medium of communication of diversity.
In the meantime, in income single case falls, current consumption level of the dweller rises apparently, include liaison man of back and belly, teach culture recreation, spending of all sorts of articles for daily use such as Medical Protection rise ceaselessly. According to investigation, those who be as high as 48% suffer caller door concern to retire problem of the following provide for the aged.
Face tremendous " pressure of Chinese type fortune " , a lot of people did not realize through investment manage accumulates wealth, and middling of reasonable money process often lacks the person that those realizing professional judgement steps on thunder again and again.
1, seek high income blindly, the risk pressure of oversight backside
A lot of investor are in investment process, facing the temptation of high income, it is OK to wanting to expire only the profit that takes, forgot completely to still have a risk this thing. But, we often say high income backside often is high risk, analysing oneself family financial standing adequately, whether the below high risk loss since susceptive, and come to accrual select a product as only standard, once incur a risk carelessly, it is disaster likely to the family.
2, investment simplification, without the consciousness of dispersive risk
A lot of investor are undertaking investing a process in, just often be certain a product, will all capital is cast, earned affirmation to be able to earn many profit of course, once incur a risk,can be, total capital often is on compensate.
This moment, dispersive investment configuration is very important, according to circumstance of oneself finance affairs and the venture rate that can assume, investment fund sound program cent is aggression model and dovish model, modest investment compares product of expensive conduct financial transactions relative to the risk, bring unexpected results possibly sometimes, and dovish model asset can be below the condition that ensures capital safety get a few income. At the same time reasonable configuration invests capital, return the concussion of can counteractive inflation.
3, seek short-term investment overly, negligence invests for a long time
Investigation shows, the characteristic with the investment the oldest economy of Chinese dweller is often average sells piece, excessive take a fancy to short-term profit and ignore long-term investment, and way of this kind of investment looks it is OK to be like of the rapiddest rate get income, but easy the discipline sex that loses a program, once encounter the market fluctuates, can bear huge loss. And long-term investment is to hold to extended hold, in order to get steady income.
Think carefully " pressure of Chinese type fortune " the generation person below really very not easy, want to raise children already, lay person of provide for the aged even, want to assure life quality again, want to make a plan for prospective provide for the aged again, want to face the life pressure below serious inflation again at the same time. Face these income that we must want to increase us through investing conduct financial transactions, will resist a variety of pressure, and investment conduct financial transactions is not to say money arrives in your pocket however came, need us to learn be used to, research and practice ceaselessly.
