Click ** to get the book for free[gf]1f446[gf]Risk warning: The views mentioned in this article only represent personal opinions, and the subject matter involved is not recommended.
Author: Qing Se only bird.
*:Snowball. This year's ** is really a big ups and downs, a false alarm. I still remember that in 2019, my husband saw me investing and making money, and took the initiative to hand over my salary and savings and asked me to help take care of it. In 2019 and 2021, the income was indeed good, in 2022 and 2023 began to give back profits, and this year it began to lose money. In fact, the principal part did not lose much, but it was only about half a year that 1 million family assets suddenly evaporated, which made him break the defense, and as a result, at the lowest point, he clamored to clear the position**and**, and sold all the ** on his account without saying hello after work one day. In the evening, when I found out, I persuaded him not to sell it, but he didn't listen, and I was so angry that I wanted to divorce him, and we had a big fight in front of my father. In fact, I think that ** class assets only account for 6 percent of family assets, stable liquid assets account for 4 percent, and the cost of living for several years is also sufficient, ** is also at a low point, so there is no need to panic so much. But he was like a demon at the time, insisted on selling, and said that he would only buy financial products that would not lose money in the future. It feels so heartbreaking to quarrel with a big belly for 5 months. Then I gave up persuasion, and planned to exchange some of the stable assets in my account for ** assets the next day, and as for the financial products on my husband's account, let him go. Fortunately, before going to bed, my husband woke up again, felt that his wife and children were more important, and took the initiative to cancel all ** selling operations. I thought he was going to be depressed for a long time, but after a weekend, ** began to rise continuously, and soon he returned to his capital, and happily said that he would listen to me in the future. . . I feel that his investment mentality is relatively poor, and the ** class of assets is a thunder in his account. In order to avoid quarrels because of investment in the future, I plan to buy stable products with all his new funds in the future, gradually switch the stock of ** assets to stable products, and at the same time increase the proportion of ** assets in my account. In this way, the allocation of our entire family assets does not need to be greatly changed, but his mentality will be much better. He also hopes that he will have more stable products in his account, so let me recommend some to him, so today I will sort out some stable product information. 1. The 7-day holding of the CSI Interbank Certificate of Deposit AAA Index (014430) is very stable, with an annualized rate of two or three points, which is higher than the currency, and can be sold at any time as long as it is held for 7 days. There are many indexes of interbank certificates of deposit**, I looked at seven or eight, and found that the southern position accounted for 99% of the interbank leaflets, and many other similar ** interbank leaflets only 80%, or even only 60%. 2. Ma Long's China Merchants Industrial Bond A (217022) has the largest drawdown of -2 since 201502%, positive returns every year, and the worst annual earnings +259%, annualized at 4 in recent yearsAround 8%. This base has won many Golden Bull Awards, and also won the 2023 Morningstar General Bond** Award. However, its handling fee is a bit expensive, and you need to pay 1 for taking it out within a year5%, 1% for withdrawal within 1 year and a half, and 0 for withdrawal within 2 years5%, don't get money for two years. It is best to hold this base for a long time. 3. Wells Fargo Industrial Bond A (100058) in the last 5 years, the maximum drawdown is -154%, positive annual returns, worst annual earnings +215%, 4 annualized in the last 5 years08%, annualized 4 in the last 3 years1%。Its performance is slightly inferior to Ma Long's China Merchants Industrial Bonds, but the handling fee is relatively cheap, and you need to pay 03%, 01%, don't pay for two years. 4. Essence Steady Value-added Mixed A (001316) has a positive return every year, and the performance in 2022 and 2023 is slightly worse, and it still performs very well in other years, with an income of +3 this year69%。5. Penghua Fenglu Bond (003547) is based on an annualized rate of 5 in the last 3 years01%, annualized 559% with a maximum drawdown of -173%。Positive annual returns, worst annual returns +330%。The scale is 6 billion, and the purchase limit is 100 per day. If you have a small amount of money, you can try this one**. This sharp drop has made me more determined about the importance of asset allocation, and if I am full of positions, I will definitely panic. It is currently 6 floors**, and the cash flow is abundant, so the mentality will be better. Finally, I hope that ** will continue to be prosperous, I hope that everyone will have a happy family and a happy life, and I wish everyone a happy Lantern Festival in advance The market is picking up, how to choose the ** layout? Welcome to the official production of XueqiuSnowball** Lesson 1！Xiaoxue's 1-to-1 intimate companionship teaching, 7 days to teach you a set of systematic investment methods! So that you can understand investment clearly!