How to play Wealth Management? Popular financial management topics and practical guides on the Internet in the past 10 days
Recently, there have been frequent hot spots in the financial management market. From adjustments in bank deposit interest rates to fluctuations in gold prices, investors' attention to financial management tools continues to rise. This article will combine the hot topics on the Internet in the past 10 days to give you a structured analysis of the core gameplay of Tencent Financial Management to help you quickly get started with smart financial management.
1. Inventory of hot topics in the field of financial management in the past 10 days
| Ranking | hot topics | Discussion popularity | Related products |
|---|---|---|---|
| 1 | Many banks cut deposit interest rates | 987,000 | Monetary Fund/Financial Management Link |
| 2 | Gold prices hit record high | 762,000 | Gold ETF/accumulation gold |
| 3 | Treasury bond reverse repurchase yields soar | 654,000 | short term financial management |
| 4 | New regulations on fund investment advisory services | 539,000 | Robo-advisory |
2. Basic operation guide of Wealth Management
1.Account opening preparation: WeChat account that requires real-name authentication and bound bank card, supports most mainstream banks.
2.Fund transfer:
| channel | limit | Arrival time |
|---|---|---|
| Bank card quick payment | 50,000 per transaction | real time |
| WeChat change | The annual cumulative total is 200,000 | T+1 |
3.product selection strategy:
| risk appetite | Recommended products | Annualized income range |
|---|---|---|
| Conservative | money fund | 1.5%-2.8% |
| Robust | bond funds | 3%-5% |
| Enterprising | Hybrid Fund | 5%-8% |
3. Advanced gameplay skills
1.Intelligent fixed investment: Set the monthly automatic deduction date. It is recommended to choose 2-3 working days after salary is paid.
2.revenue enhancement strategies:
| strategy | Applicable products | Improved effect |
|---|---|---|
| Zhou Zhouying | short term financial management | Liquidity +15% |
| Target take profit | Equity funds | Annualized +2-3% |
3.Holiday financial management: Pay attention to the deadline for government bond reverse repurchase and monetary fund subscription before the holidays to avoid capital standstill.
4. Key points of risk control
1. Diversified investment: a single fund shall not account for more than 20% of total assets.
2. Pay attention to costs:
| Charged items | Standard | Preferential channels |
|---|---|---|
| Subscription fee | 0.1%-1.5% | 10% off fixed investment rate |
| management fee | 0.3%-1.5%/year | No subscription fee for Class C shares |
5. Forecast of financial management trends in 2023
1. The penetration rate of robo-advisory will increase to 35%
2. The scale of pension target funds is expected to exceed 200 billion
3. The annual growth rate of ESG investment products is expected to reach 50%
As a comprehensive financial management platform under Tencent, LicaiTong continues to optimize product lines and service experience based on current market hot spots and user needs. It is recommended that investors reasonably allocate assets based on their own risk tolerance, regularly review their investment portfolios, and seize medium- and long-term wealth appreciation opportunities.
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