How does the man manage money matters prudently

How does the man manage money matters prudently
For the moment, many investors begin to accept the new idea of managing money matters of prudent investment from pursuing the high repayment. Then, the wealth management products of bank of the relatively low risk are favored by some investors, it is getting flourishing to have concurrently, invest and ensure the insurance wealth management products of the function. However, the expert reminds, lower risk wealth management products will be risky, citizens should avoid falling into and managing money matters the trap.
The trap one, it is expected it is with high return that makes money more. At present, many of some wealth management product of bank terminate ahead of time it is expectedding because of earning ratio. The lawyer, Liao Zhi of China Haworth Lexon, Shun of Guangdong, exceeds and says, the refered anticipated earning ratio of the catalogue of managing money matters, is not equal to the actual earning ratio, but there is certain misleading function in view of wording, the prospective earnings can also be explained into the income that can obtain until predetermined date.
The trap two, the short-term financing has no risk. One bank staff member introduces to the reporter, the short-term wealth management products that should walk and put out take the time of fund short, can redeem at any time according to cycle, have no risks. But after reporters have read the catalogue in detail, find that it is 5 ten thousand yuan to buy the starting point, and redeeming must regard a thousand yuan as the unit, guarantee not to be the account is not lower than 5 ten thousand yuan to manage money matters; If investors have only bought 5 ten thousand yuan, it can't be redeemed partly once there are fund demands.
The trap three, it is the safest that the insurance manages money matters. Mr. Chen invested 20 ten thousand yuan to buy and throw and connect with dangerously for the first time last year, had already shrunk by 5 ten thousand yuan to the fund at the end of last year, he chose to retreat and protect finally. The insider Mr. Wan thinks, under the present market level, China does not possess development to throw and connect with the dangerous market condition.
The trap four, the external organization is more professional. Mr. Chen spends 6 ten thousand yuan trusting an external organization to manage money matters in the subsidiary of the hinterland, find, have 1 pluralism Wan left only after the several month. As to this, lawyer Liao ZhiChao thinks, the consultant firm that some external organizations establish has no qualification to manage money matters for the guest at all, but want to demand the reture of the fund, need to cooperate with the external lawyer, the law is with very high costs. Mr. Chen have to drop finally.
" International Finance " (2009-03-18 06th)
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