Anti Inflation High-End Trust Products

Data show that more than 90 sets of trust products issued in March have won a lot of CPI

In March, CPI rose by 5.4% over the same period last year, and the central bank has raised the reserve requirement for the four time this year. Investor In order to keep the "money bag", a vigorous anti inflation campaign began. But when the property market is undergoing the most stringent regulation in history and the stock market is in the doldrums, investment and financial products have become the most important investment channel for anti inflation.

In recent years, various kinds of financial products have emerged one after another, but the yields are varied. The industry said that in the face of a wide variety of financial products, investment enthusiasm of small and medium investors, there is an urgent need to carefully sort out varieties. Under the premise of capital safety, it is particularly important to find more suitable financial products.

Statistics show that the financial products issued by various institutions are exceptionally rich, but in the face of inflation, many products are powerless. In March, the average expected rate of return of RMB RMB financial products was only 3.79%, and the loss of CPI was almost two percentage points. At the same time, the high end trust and financial products have attracted the attention of investors because of their high expected rate of return. According to Puyi wealth statistics, as of March 23rd, the lowest expected annual yield of 91 sets of trust products issued in the month was 7%, with the highest expected annual yield of 14%, which significantly outperformed CPI.

The industry believes that high-end Trust financial products The ability to display itself in front of inflation is mainly due to the unique advantages of the trust products themselves. Because of the high flexibility of the trust system, trust products can resist inflation based on market environment changes and customer needs through multiple asset allocation strategies across markets, across managers and across strategies, and achieve higher expected returns.

It is precisely because of the advantages of cross asset allocation. Reduce risk In order to effectively resist inflation, the trust companies have launched trust and financial products, such as the "Ruby" enterprising series of anti trust theme investment collective trust scheme, which will be launched by Shanghai trust. It will rely on cross asset allocation strategy, mainly in terms of interests, commodities, resources and other benefits that benefit from inflation and will get a structured premium between the flexible allocation of assets, omni-directional gold mining inflation benefit assets. {page_break}

It is understood that its funds will mainly be invested in trustee management rights and interests trust (plan), commodity trust (plan) and other trust (plan) with anti inflation attribute, and asset class such as anti inflation theme fund. Idle funds will be allocated in cash, bank deposits, money market funds, open-end bond funds, bonds and their varieties.

Merrill Lynch Securities research shows that in the 1973-2004 years of the US market, the income gap of different types of assets in different economic cycle stages is very significant. In the middle and later period of economic recovery, inflation and higher levels, the earnings of stocks and commodities are the best.

Experts say that at the current high inflation level, investors have a greater risk of direct investment in stocks, and it is often difficult to invest in commodities and resources. Although investment funds can reduce risks to some extent, the types of investment targets of various types of funds are relatively single and can not meet the needs of investors in diversified asset allocation. Therefore, it is a suitable choice to invest in trust and financial products linked to inflation.

In recent years, due to the limited income of individual financial products, they still extract high performance pay as usual, which has been criticized by all parties in the market. As we all know, under the same income level, the provisions of the terms of remuneration will determine how high the investors earn. In the face of fierce market competition, issuers are also closer to the market in terms of performance compensation provisions, providing more protection for investors. Take the Shanghai trust "Ruby" anti inflation theme financial product as an example, it set up the 5% line of water (absolute income performance benchmark) above to extract performance reward terms, the water level is higher than the recent two years CPI, which provides investors with a real anti inflation financial products.