The stock market is falling again today, and it has been falling for many days. It is said that the stock market is the weather vane of the economy and current affairs, and this is true. Today, the opening of green plate is in sight. After reading some hot reviews and domestic and international hot news, I feel that it would be strange if the stock market does not fall today!
Not to mention the impact of the epidemic, the United States and other countries have suppressed our country's economic development, which has affected our country's economy and the stock market will also have a chain reaction.
Two major negative news came yesterday! First, the Federal Reserve announced that the rate hike of 75 basis points, which is the fifth rate hike since this year; second, Russia Puqin and the Minister of Defense announced a partial mobilization to recruit 300,000 reserve troops in , and the situation in Russia and Ukraine is likely to escalate significantly.
In addition, after changing the registration system , the issuance of new shares has accelerated, and some new shares have a negative impact on the stock market. Many investors are complaining that new shares are frequently issued below 4,000 points, and many people are already selectively applying for new shares.
Data shows that as of the end of the third quarter, Shanghai Stock Exchange will have 114 IPOs with revenue of US$45.2 billion. The total revenue of 140 IPOs in Shenzhen was US$24.6 billion.
However, it is reported that in the first eight months of this year, the amount of foreign direct investment in mainland China increased by 16.4% year-on-year to 892.74 billion yuan (approximately US$127.24 billion). Foreign investment in China values China's security. Comparing the inflation rates and the number of deaths from the epidemic in countries around the world, we will find that China is a paradise. It is no wonder that international capital is willing to bring huge sums of money to China to "take refuge".
As a small and medium-sized investor, this year is a bit difficult. The United States and some countries that follow the trend are raising interest rates. Not only does our country not raise interest rates, but the deposit interest rates of major banks are still lowering, and the yield of unguaranteeable capital of wealth management products is also declining day by day. The stock market is falling continuously. The yield of treasury bond reverse repurchase is much lower than last year. The investment of ordinary people’s excess money is indeed very difficult to operate, and the personal investment risks increase.
On September 15, six large state-owned banks lowered their deposit interest rates, involving multiple categories including current and fixed deposits, with a reduction of 10-15 basis points. Except for Postal Savings Bank , the deposit interest rates of the five major banks remain consistent, among which the 1-year fixed deposit interest rate dropped to 1.65%, the 2-year fixed deposit interest rate 2.15%, the 3-year fixed deposit interest rate 2.60%, the 5-year fixed deposit interest rate was 2.65%, and the current deposit interest rate dropped to 0.25%. Just as depositors were thinking about "whether to move the money to other banks", many joint-stock banks and some city commercial banks also followed up to lower deposit interest rates, with an adjustment range of between 5 and 50 basis points.
Looking at the international and domestic situation, we should believe that our country is also responding to changes in the international situation. The ultimate goal of the central bank's interest rate cut is to increase confidence, reduce costs, lower interest rates, stabilize growth, stimulate consumption, and support corporate development. And for ordinary people, only if they have a country can they have a family. We should also recognize the situation and balance the relationship between risk and return. We must establish a sense of risk. We should not only see the claim that the expected return is high and participate. We should know that high returns are accompanied by high risks. There are also some private lending that should not be participated in. Private lending is not protected by law. What you value is the income, and what the other party values is your principal.
We must make diversified asset allocation based on our own risk tolerance and investment and financial needs. Investing in stock markets or financial products must be within the scope of your own risk tolerance.
