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Many litchi say the brainwashing capability of force elder brother is too strong, so every time the article goes out again finally voting unscientific, my viewpoint in article can affect everybody's judgement badly, this so I throw the question in front --
Not voting must not look downward...
Had not polled break up to poll first oh ~
If do not have a bad shot, getting a ticket to lead highest affirmation is house property.
Can have such doubt, because when elder brother Shenzhen is away on official business, force is mixed recently,be of negotiable securities course of study senior " old settle or live in a strange place is strapped " , be Shanghai person together " Xue shopkeeper " when father Xue Feng has a meal, he is cast gave an issue --
What is the asset with Chinese the mainest today common people? What will the asset with Chinese the mainest tomorrow common people be?
The answer of the first problem, want to also know with toe head.
~ of house cough up
But can the house still be after 10 years?
If did not come to China 10 years not to appear,building city whole dies dish, the asset that force elder brother feels moment China common people is the most serious still still is a house.
The first pillar that considering house property long-term nevertheless is property of Chinese average household also it doesn't matter is strange, a lot of countries are such, after all house property itself is mixed namely stock (fund) , bond (fund) one of 3 big pillar of the domestic property on paratactic traditional sense, force elder brother is in " one class connects fund unripe money " door of technical secondary school has one class to had discussed this issue.
Force brother member throws the question of conduct financial transactions that come over under the counter everyday in, 10 have 7 at least is concern with the house.
And also having 70% on average really is a house in property of family of Chinese common people.
But 15 years, after 20 years?
Individual of force elder brother thinks the most possible solution is fair collect fund.
Toss the building of kink letting a person, look from the configuration of financial capital, future of fair collect fund can become the eldest child of money government industry certainly.
Do not believe? We each will analyse.
The financial property that common people can buy basically has 9 kinds big --
One, deposit
2, product of bank conduct financial transactions
3, stock
4, bond
5, fair collect fund
6, illicit collect fund
7, fiducial
8, insurance and enterprise annuity long-term mandatory asset of provide for the aged
9, with P2P, numerous chip, the bit money burgeoning Internet finance that is a delegate innovates child.
Laoxue looked to me when chat so a piece of graph --
(data origin: Database of fortune of BCG whole world)
Attention, bond was not put alone in this piece of graph, because threshold of investment of bond of type of charge to an account is higher, take the kind that buys bond fund to invest secondhand commonly, calculate fund a kind, proof type and electronic type national debt and bank deposit belong to same quality basically, also be attributed to a kind.
Arrived 10 years of 2016 2007, the integral fortune of Chinese common people presents an explosive type to rise situation. Add fast keep balance with M2 almost.
Because gross of fortune of Chinese common people is expanding quickly, all dimensions of these financial capital categories look to also be in from absolute value rapid growth, but from occupy look than going up, present a distinct change however.
One,
Deposit
Occupy 10 years ago compare than exceeding the bank deposit of 3/4 to occupy considerably shrink.
The most crucial watershed was 2013, because be a mark one this year with the birth of remaining sum treasure, chinese Internet finance greeted great prosperity, the bank deposit of a large number of youths moved remaining sum treasure, although,bring about the safest but the bank deposit that interest does not running completely to pass inflation lasts shrink.
But want to notice, till today, look on the whole, chinese common people still has half asset to exist with the bank deposit form of lowest of efficiency of conduct financial transactions. Because not be familiar with Internet,basically be in old people and country of ministry of broad Chinese and Western are relatively backward close area common people can the information of conduct financial transactions of bring into contact with and deficient of channel of conduct financial transactions bring about.
Force brother has said a few definitely absolutely if, before for instance I say 3 years, you use remaining sum treasure is meeting conduct financial transactions, you still put money in remaining sum treasure now is won't conduct financial transactions.
Be in for instance again" I selected product of economy of money high income to maternal aunt, she laughed at a flower "In one article, force elder brother defines product of bank conduct financial transactions tool of conduct financial transactions of appropriative of the old people in be, the gun lies after a lot of 80-90 that put major money in product of bank conduct financial transactions.
Force elder brother so saying is not to raise an issue, hope you understand what is clever conduct financial transactions to choose however.
Force elder brother puts word of a firm again today: As litchi, if you still have money to exist with the form of bank time deposit now, you should feel ashamed! You do not feel ashamed, force elder brother also feels ashamed for you!
Force elder brother beforehand appraise, After 10 years, bank deposit occupies the scale of capital of Chinese family finance to be able to reduce 30% less than further, the bank is sucked store difficulty will be greater.
2,
Product of bank conduct financial transactions
2007, because the structure is complex,bank reason property is tasted, or one very small numerous smallness product, especially after financial crisis erupted 2008, the product of bank conduct financial transactions of a large number of high risks appears gigantic deficient, cause huge society controversy, silver-colored inspect will be subsequently right hand of the firm below product of bank conduct financial transactions, must not meet a share, the integral risk that causes product of bank conduct financial transactions drops considerably.
Then this money plays the risk that turns consciousness of a few conduct financial transactions into preliminary arousal to detest gradually model investor is besides deposit best choice.
And rise abruptly as Internet finance, bank deposit accelerates prediction of a person's luck in a given year, if say in the past product of bank conduct financial transactions is the bank is not universal only covert high interest is pulled store method, expand quickly of dimensions of product of conduct financial transactions of bank of that the last few years, be the free airing of views that the bank is forced to adopt for the money of tarry depositor covert high interest is pulled store method.
Force elder brother beforehand appraise, Prospective bank deposit is occupied than gliding that part cake, the half can flow to product of bank conduct financial transactions, still the half learns the clever investor of conduct financial transactions with exert oneself elder brother, the yield that connects product of bank conduct financial transactions also does not look, regular meeting moves money thoroughly from bank system.
3,
Stock
2007 is China up to now city of the biggest round of ox, after this 9 years, the stock is occupied pass than also doing not have a breakthrough again 2007 " the whole people is fried " height, rebuke city lets a stock occupy for years continuously than ceaseless shrink, 2014-15 year although bovine city lets a stock occupy than picking up somewhat, but because get right now the puissant concussion of Internet finance, increase municipality of this round of ox too short-lived, did not form long effect suction gold, occupy so more finite than growing, regain is ursine 2016 city, occupy than gliding afresh.
Individual of force elder brother is judged, Did not come 10 years, of capital fund of stock of Chinese common people occupy glide than can continueing, be surmounted by place of fair collect fund. The reason is very simple: This is the experience with whole world common developed country.
The most intuitionistic example is before before long force brother played activity of an investment conduct financial transactions on invitation.
In the morning fund special performance, the honored guest on the stage is almost 80 hind, the audience below the stage also is the youth after 80-90 mostly.
Afternoon stock special performance, the honored guest on the stage is a sea is seasoned mostly 70 hind, the audience below the stage also is with be being given priority to after 70-80.
Invest even if cast future, realise when increasing youth fund invests to invest to suit his more than the stock, increasing in investing capital to stock of fund and rather than, of capital of Chinese family finance take more delicate than can happening change.
4,
Fiducial / illicit collect
These two are 1 million sell, concern with ordinary common people not quite, concern with wealthy person very big. The dimensions that goes a few years is added fast exceed other and all in a popular style to invest category far, can show an issue only -- difference of the rich and the poor pulled China to arrive greatly really in the past bloodcurdling level...
As expected, future still should be met continue high speed grows.
Notable is, today of China fiducial can have so large scale, have chain of very giant gray banking industry rear, force elder brother did not spread out, you want to know only, of China fiducial having an in part is landed and fiducial, borrow money to build a house to development business namely, still have the project that is local government and state-owend enterprise partly greatly very, so fiducial integral risk, hum... gratifying is met.
Because this force elder brother is done not have so value fiducial still can erupt for a long time continuously type grows.
Relative to character, the future of illicit collect may have larger development space. Just the illicit collect of at present China still is not very normative, choose difficulty of outstanding illicit collect so very big.
5,
Safe
What force elder brother lets the most gratified in this piece of chart is, go a few years of deposit insurance asset is occupied than gliding somewhat actually.
Insurance ensures action to give priority to namely originally, investing function of conduct financial transactions is additional, but for angle economy interest, inside past a long time, chinese insurance company takes the branch for the root however, choose the deposit of usury embellish space insurance desperately, ignored consumption safe development however, this trend is in with numerous after the Internet insurance company that how is a delegate rises abruptly, also produced very big change.
Attention, consumption insurance is consumption, not be asset, only deposit insurance just is to be able to not return returned capital fund. If Chinese insurance company cannot roll out the tall sex price that has appeal more to compare deposit insurance, did not come 10 years, deposit insurance is occupied mediumly in property of family of Chinese common people glide than still be being met probably.
This year, also with respect to force elder brother this kind of conduct financial transactions returns meeting effort to be insurance from media person renown, arrive to ask casually socially, insurance fame is smelly the appearance that become what. To knowing economy other from media person for, write insurance basic negative...
6,
Internet finance
This did not say more, road is labyrinthian, the future is bright.
7,
Fair collect fund
Of fair collect fund occupy resemble a bit than change and stock, city of big 2007 ox also is highest peak, because common people feels fund is not mixed namely at that time the thing with similar share, it is to be in bet...
Subsequently Xiong Fu comes, stock fund drops rarely in, countless people cut the flesh redemptive, abandon be being cast surely, fund dimensions is rapid shrink. Was 2013 next remaining sum treasure takes fund afresh fire.
Individual of force elder brother is judged, After 10 years, of fair collect fund occupy exceed all finance besides deposit and product of bank conduct financial transactions to invest category far than affirmative meeting. If Chinese government also will resemble American government postponing 401K plan by force in that way henceforth, that fair collect fund is occupied exceed deposit and product of bank conduct financial transactions than affirmative meeting, become the elder brother in tool of conduct financial transactions of Chinese common people.
Of course, the product of itself of fair collect fund and service also are in ceaseless evolution.
Mode of sale of generation fund sells simply sell sell earn middleman's fee, sell so that had jumped over more more, no matter investor is,press a root can gain money, to capture weakness rich eyeball of human nature, all recommend the past one year yield is top or the thematic fund with nowadays the most popular notion in order to promote sales volume, as a result you understand...
The 2nd acting fund sells pattern advocate hit fund to drop an idea surely. From 2006 city of that round of ox had had, those who include oneself of each fund supermarket of big bank, each big fund company is straight sell terrace, and every day the tripartite fund such as fortune of fund net, ant sells goods on a commission basis platform old man is this road, the wave motion that because cast mode to be able to reduce fund really surely,invests and risk, base civilian easier gain money, fund company and each sell goods on a commission basis greatly the probability that the orgnaization gets a scolding also can be reduced considerably.
Mode of sale of the 3rd acting fund is these two years of ability are arisen, be gotten what do not want what do not want to add AI skill to upgrade by hype namely edition cast surely, different platform has all sorts of calling law: Intelligence is cast surely, intelligence is cast consider, wisdom conduct financial transactions, robot is cast consider, robot conduct financial transactions...
But division of a few senior conduct financial transactions inside force elder brother and course of study has chatted, the influence that the development level of AI technology invests to fund now is very finite still. Does everybody still remember what has force elder brother introduced 2 years ago vacating An Baifa pan the fund of big data index that these BAT develop? Say with present word, rock-bottom logic is AI, be in as to these fund the expression in Xiong Fu how? Whether be still worth to buy? Force elder brother is in " one class connects fund unripe money " did in the 22nd class solve in detail.
More be in blundering China what is more,the rather that, market of any blue sea can kill the Red Sea inside 9 years, platform of each fund sale already also arrived in the competition of 3 phase today turn white-hot, not only big platform is in do, a lot of young poineering groups that have 34 people also are in do.
Anyhow a word: Billow of times spring tide is forward, technical progress and product innovation are faster and faster, nobody can be mixed trend oppose. Clever investor future should want put more money on fund, it is the net is borrowed next, numerous chip wait for product of gold of of all kinds each other to go up.
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