How to put our money in the negative interest rate?

Interest rate capital commercial loan wealth

yinluwang· 2016-06-04 10:41:44

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"content_img_p" if you want to ask what is the negative interest rate era, small series will tell you now is the era of negative interest rates! The bank's 1 year benchmark interest rate is 1.5%, and the Bureau of statistics released inflation is 2.3%, 100 thousand yuan bank a year net loss of 537 yuan, is not terrible. In the era of negative interest rates, how should we place the funds?

first is to reduce the savings, investment and higher interest rates of financial products. In the era of negative interest rates, the bank is also good, regular worth mentioning, the greater the proportion of savings, the greater the proportion of wealth. In the case does not rule out the future of the bank may raise interest rates, it is recommended to reduce the bank deposit ratio appropriate to prevent the occurrence of the loss of deposits. Taking into account the nominal inflation rate of 2.3%, you buy the financial products need to have at least 2.3% higher than the interest rate. Fortunately, the current major banks to provide low risk financial products generally have a 3-4% return, although not high, but at least you can guarantee the wealth of Mian no longer continue to shrink.

second, in order to resist inflation, we can also increase the allocation of physical assets. In short is to buy a house. Because no matter how low interest rates, real assets can always against inflation. Moreover, to remove inflation, the current real interest rate of commercial loans is only 2.6%, the fund is only 0.9%, so the negative interest rate environment is just a good opportunity to buy a house loan. Special for the first and second tier investors, in the land finance can not be broken and the Chinese economy will not collapse under the premise, in addition to the value of housing, but also a good means to make wealth.

third, increase the active income. In the negative interest rate period, the continued rise in the price index means that, compared with previous terms, you need to spend more money to buy, consume, you need to add more active income. For most people, the main way of active income from wages and salaries, therefore, in small series, if you want to maintain the existing quality of life, need to work harder to get through the promotion and salary raise more salary income.

more information please pay attention to micro signal: bank rate network

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