投资理财的一点个人心得

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投资理财的一点个人心得

楼层#1  帖子隐刀 » 2014年 4月 17日 星期四 1:11 pm

俗语云,你不理财,财不理你。做为一个资深屌丝,为了能够多吃一顿饭,所以偶尔还是节省下来一点小钱钱买些理财产品,毕竟现在的物价真的是受不了。
以前买瑞典的一些股票,虽然借大规模印钱(无限制购买欧猪国债)的东风,近两年涨势喜人,而且欧洲央行最近又要吹风说要继续印钱,但是还是有一种走在悬崖边上的感觉,古人云,三十六计,走为上策。所以抓紧时间清空了股票账户,跑路了账。借着互联网金融近期的强势逆势,把目光转向下发展势头良好的国内理财市场。
今天看到央行又发文规范互联网金融,于是起了想法,想写点东西给大家介绍下自己这半年来研究国内理财诸产品的心得,也算是抛砖引玉,希望大家多多指点。

还是从互联网金融开始,这是首先从马云旗下的余额宝开始的。因为我没有支付宝账户,而因为长期用微信所以有微信的我的银行卡,ps,这个功能还是很重要的,不然回国很难打到车。。。。。。所以就买了一点腾讯旗下刚刚推出的理财通。他基本上和余额宝是一种东西,基金的投资渠道和余额宝也一样。
打了几个月时间交道之后,我彻底放弃了这类互联网金融,不是他们不好,而是我不喜欢。我是一个典型的风险厌恶型投资者,所以对高风险高收益的投资向来是敬而远之的,相应的,对于因些暴富的人群也只有羡慕的份。。。
首先很多人把互联网金融和国内银行活期存款相比,这是不一样的,存款是基本没风险的,而基金是有风险的,如果挑有风险的理财产品,银行还是有年化收益率超过6%的产品的。不过银行的理财产品都有最低投资额度,最少也要5万。可能是银行认为小客户没有理财的必要吧。而互联网金融则不限制投资额度。
我个人不看好互联网金融的一个原因就是其风险性,尽管余额宝一直强调他存银行的协议存款,所以风险很小,但我觉得这是谎话。因为银行毕竟不是放高利贷的,加上运算成本,银行拿到的钱自然要加更高的价格贷出去,这样就推高了整体的社会融资成本。即使开始一段时间可以,这个也不是可持续的。所以想保持长期的这种比较高的年化收益率,他必然会投资高风险产品的。这是没办法的事。
再一个就是流动性的问题,无论他投资哪种产品,都不可能随存随取的,因此做到这点(仅在开始的时候,现在已经不是了,要一两个工作日以后才能取出来)他必然就要公司垫付这个钱,而目前他又不向银行一样有存款准备金,所以光靠公司现金流肯定是无法维持的。所以他必然会想办法让大家无法同时取钱的。

前几天我就发现我的理财通无缘无故的就进不去了,连续三四天的样子,当然这有可能是新产品性能还需要市场的长期测试,但是我怀疑他是有目的的,因为我上网百度了一下,发现好些人,在不同时段出现过这个问题。而同一时段其它人就没有。所以我觉得他的策略可能就是隔段时间用技术的方法让某些人无法取钱。
因此经过这件事以后我就把存在理财通里面的所以资金全部取出,尽管需要两天的时间才到账,而且每日提出的数额有限,但是还是全部存出,而且在央行政策完全明朗且已执行之前,我不会再碰这个东西了。

再说银行理财,因为我用的中国银行,所以以中国银行为例。
理财产品品种非常多,而且时不时的会推出一些收益率很高的短期产品,我建议大家自己看,自己要了解该产品的投资去向。而不要听信理财顾问的。前几天看一人在网上骂说买的中国银行的56天期黄金产品,本来说年化收益5.7%,结果最后收益只有1.1%左右,打电话去问人家说因为乌克兰危机。他想乌克兰危机关他屁事。但乌克兰危机确实对金价影响很大。。。

目前来看的中国银行产品年化收益率在2.8%到5.5%之间。
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大部分产品都有期限,从七周到几年不等。
流动性越好,风险越低,收益率越低。
我买了一部分2.8%的,流动性比较好,按天计息,每个月15结算发放上个月收益。工作日时随时购买赎回,非常方便。而且是有保障的,不像互联网金融那样开始说当天随时购买赎回,隔几天发现不行了,就又改一两天赎回的。虽然利息不高,但和三个月整存整取差不多,三个月整存整取是2.85%。而且交易对手定位为国有大银行,风险属于极低的。

我买的理财产品中年化收益率最高的是4.6%,产品标的物全部是大型国有银行或企业。

收益率更高的产品我就不看了。中国已经出现某些上市公司债券违约了。所以我还是相信国有大中型企业的。

说句题外话,当年动车出事之后,大公评级继续给铁道部3A信用等级,网上一片骂声啥的,其实我觉得这个信用等级还是很正常的,我觉得铁道部违约的可能性很小,即使他背那么多债。毕竟有国家背书,而且共产党是控制得了人民币的。
前一阵子中国出台银行破产办法,网上又一骗骂声,其实中国以前有过海南发展银行的案例,然后该银行全部被工商银行接手了,没引起一点波澜。不像西方,破产储户也跟着破产了。个人觉得这个办法是跟开放民营银行的进程相关的,民营银行可以破产。大型国有银行破产的话国家信用也就破产了。

收益率更高的产品差不多应该就是温州流行的高利贷了吧,现在问题挺大的。

再说一下做为理财产品,就目前的情况来看,最好的其实是股票。。。A股当前很多股票都在最低点,以中国银行为例,他今年的分红对当前股价而言,年化收益率是7.7%。如果你买的时间点对,还会高很多。就目前来讲,国内很多分红率高的蓝筹股股价都很低。买着放着就好了。比理财产品收益高得多。而且一般股价都能多少涨点。

再说一下期货期权这类产品,这类产品我从来不碰,尽管很多人靠这个杠杆发了大财,但我做为一个穷人,可以接受长期做为银行小股东存在的事实,但接受不了拉回家几吨大豆或黄金白银。。。

一点个人心得,希望能对有想法理财的坛友有点帮助。
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Re: 投资理财的一点个人心得

楼层#2  帖子steveg20 » 2018年 10月 15日 星期一 5:58 am

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Re: 投资理财的一点个人心得

楼层#3  帖子steveg20 » 2018年 11月 1日 星期四 12:00 am

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楼层#4  帖子steveg20 » 2019年 3月 20日 星期三 11:35 pm

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