Experts Recommend Fixed Investment Fund And Account Jin Yanglao

< p > < strong > "housing endowment": a "room" forever? < /strong > /p >

In P 2030, the elderly population over 65 will account for 18.2% of the Chinese population. This is not a alarmist talk, but a prediction released by the United Nations Development Programme in Beijing last month.

Providing for the aged has become a major event before us.

Once upon a time, the traditional "child care for old age" is no longer realistic.

It is hoped that a son who may need to "chew the old" can only afford to pay the first wife to buy a house, and then to support four old people.

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< p > "you leave a house, I will provide for you."

Mortgage a house to a financial institution in exchange for a monthly pension, or accept an apartment for the elderly. After the death, the property of the house is owned by the financial institution.

This is the mode of "housing endowment" implemented in developed countries such as the United States and Canada for many years.

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< p > 60 years old, former housing, 60 years old after the housing support, "housing endowment" so that the elderly get a pension, financial institutions have also been increasing value of housing, seems to be a win-win choice.

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< p > < strong > market survey < /strong > < /p >

< p > < strong > housing left to children is still mainstream. < /strong > /p >

< p > "if I'm going to take care of the house, I will get a monthly salary and raise the standard of living, but when my house is gone, my house will be taken away by the bank, so my children can not scold me."

For this new way of providing for the aged, Li Lao Bo obviously has many misgivings.

In his view, his house will be left to his children in the future. If I take the mortgage to a financial institution for a pension now, I am afraid the children will not understand it.

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< p > Li Lao Po has spoken many people's voices, but some people hold different views.

"Retirement from housing, plus your own pension, will make life more comfortable after retirement."

Zhang told reporters that if the children are not filial piety, it is better to bring the house to the housing endowment.

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< p > in fact, "housing endowment" has been practiced not only in developed countries such as the United States for many years, but also in some places such as Guangzhou in the past few years.

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< p > < strong > expert analysis < /strong > < /p >.

< p > < strong > "housing endowment" system design needs to be improved < /strong > < /p >.

< p > "housing endowment" is still a long way to go in China.

Zhao Xiao, a professor at University of Science and Technology Beijing, thinks that "housing endowment" involves the evaluation of housing value. At present, there is no mature and specialized commercial organization in our market to carry out this business. It is very difficult for institutions and customers to establish good trust relationship.

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< p > Ma Guangyuan, a well-known financial commentator, believes that the current "a href=" http://www.91se91.com/news/list.aspx Classid=101112107103 "housing endowment" /a "basically does not conform to the national conditions.

He made fun of micro-blog, saying, "the cycle of life is: first 30 years, the house slaves get the property right of the house, then return the property right to the bank, and then the bank will give you some pension money every month after deducting the value of high interest and housing derogation."

Judging from the previous pilot projects in Guangzhou, due to the uncertainty of the long-term trend of housing prices and the provisions of the 70 year property rights of our housing sector, we can only participate in the "housing endowment", which can only receive 10 years of pensions. The total amount is generally only 60% of the assessed value.

There are strict restrictions on the use of funds, which can only be used in life consumption, so it is better to buy a house or buy a stock.

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Under the heavy restriction of P, Meng Xiaosu, the former chairman of China Housing Group, also believes that at present, this mode is a niche product that can be freely chosen, not a public product.

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< p > < strong > with "salary" fixed to vote < /strong > < /p >.

< p > < strong > respectable pension > /strong > /p >

< p > "housing endowment" looks very beautiful, but there are many restrictions. Is there any investment way suitable for ordinary people to make pension plans? < /p >

< p > < < a href= > http://www.91se91.com/news/list.aspx > Classid=101112107103 > fund > /a > fixed investment is a good choice.

Liu Yuanshu, product manager of Xiamen Construction Bank, told reporters that for the common people who have no time to pay attention to market dynamics, the fund's fixed investment is a good way to plan financial services for the elderly.

"Basically, we do not have to choose the time to set up the investment and start to vote at 6000 o'clock. Now many funds are still making money!" Liu Yuanshu said. If it is used for children's education and pension planning, the time of fixed investment can be 10, 20, and 30 years.

For investors who have a large amount of capital, they can make a fixed investment in a cycle of about a year. Throughout the history of A shares, most of the year, the annual fixed investment can basically get about 10% of the profits.

"At present, CCB has the advantages of" salary "fixed investment, decent pension, and" financial package "for" children's success and investment, "which is especially suitable for working people to make pension plans and children's education.

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< p > on the other hand, the account precious metals < a href= "http://www.91se91.com/news/list.aspx? Classid=101112107103" > fixed investment < /a > is also a good choice.

"China Construction Bank's precious metals have three gold, silver and platinum metals, which can be fixed in RMB and US dollars. The lowest trading units are 1 grams and 0.1 ounces, respectively. The threshold is very low."

Su Min, manager of Xiamen Construction Bank gold product, told reporters that it was similar to the fund's fixed investment. The precious metal fixed investment is also buying a fixed number of investment products in batches in a fixed time, so as to achieve the effect of "gathering sand and becoming a tower".

Su Min said that with the highest degree of attention in the gold market as an example, this year there have been two waves of killing, releasing the medium-term risk, and the current low volatility is a good time to set the investment.

"At present, if the fixed investment can be arranged at a low level, the gold price can keep rising on the long term and effectively hedge inflation risk."

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< p > Su Min also said that Xiamen Construction Bank is preparing to launch a new business: the account gold will be exchanged for physical gold.

If the customer buys the account money and wants to buy some physical gold for the elderly, his wife and children, he can convert the money into a physical gold product of his own bank through the account and payment of a certain amount of money.

This function turns the virtual account gold into the visible real gold and silver, broadens the investor's choice space, and is more convenient and flexible! < /p >