stock A shares ended in the third quarter, and Shanghai Component Index , Shenzhen Component Index, ChiNext Index and Science and Technology Innovation fell by 16.91%, 27.45%, 31.11% and 32.81% respectively in 50 years. Fund The average return of stock fund has been -20.78% since this year, and the average return of mixed funds is -14.2%. After excluding new funds established within the year, among the 3,718 active equity funds with statistics, 124 funds in have positive returns this year, accounting for only 3.34%. The star fund, which was very popular last year, had a poor performance. For example, ZhongEu Glen, which currently manages over 100 billion yuan, represents the product ZhongEu Medical Health, with a loss of -27.74% this year and a loss of 39.4% in the past year. Another example is the well-known Zhang Kun , the representative work of E Fund Blue Chip Selected Mixed, with a yield of -21.34% this year. This year's equity market can be said to be an absolute bear market. The Russian-Ukrainian war, the Federal Reserve's interest rate hike , and the domestic epidemic has caused economic weakness, making money is indeed very difficult. There are many investors and investors who have opened new accounts in 2019 and 2020, and this year is the first time I have encountered an expensive introductory course.
The first day of the holiday return also coincides with the beginning of the fourth quarter of 2022. Today I will take a look at the various familiar investment products that have been going on this year?
From the perspective of various sectors, due to the impact of the Russian-Ukrainian war, energy prices have soared, and the coal sector has emerged as the only one. Others that were very popular before, including medicine and technology, have all fallen astonishingly this year. There are also many white horses that are loved by everyone, and there are also many exploding . This year, retail investors will lose less and lose money.
Real Estate
In the third quarter, we saw various " rescue " policies regulated, one city, one policy , loan qualification, down payment, lower mortgage interest rates, etc. Behind this is also the entire real estate industry is facing a cold winter: many cities have prices but no markets, developers with strong eyebrows and big eyes have also burst one after another, unfinished buildings have suspended loans and broke out, some local governments have auctioned large-scale for sale on land, local governments have failed to sell , local governments have land finance cannot be sustained...
At the same time, the entire real estate market is also differentiating, the differentiation between cities and cities, differentiation between different locations, and the differentiation between luxury houses and old dilapidated small houses. In short, in the future, it is already difficult to expect general growth when investing in real estate, and more basic skills are needed.
Insurance
Savings insurance is very popular this year, and the increase in lifetime life insurance and annuity are both very popular. The bull market looks down on this income from insurance, but in the bear market, it is the existence of the ballast. The interest rates in the environment continue to fall. If all kinds of investments are not done well, they will lose money. Financial management will break through the rigid guarantee. In this environment, the predetermined interest rate is 3.5%, and stable and safe savings insurance products will naturally become more fragrant. Bank Wealth Management 2022 is the first year of the implementation of the new asset management regulations. Bank wealth management has broken through the rigid guarantee and implemented net value management. So many times we see that financial management is a floating loss. Although bank wealth management is more stable than funds, there are often some equity assets in the investment portfolio. The stock market fell sharply this year, resulting in losses in this type of wealth management. Data As of the third quarter, 3.95% of wealth management products were in losses. Friends who are interested can also pay attention to it. This year, many bank account managers are mainly promoting insurance, mainly increasing the amount of life insurance. Digital Currency
Someone once thought that digital currency was a safe-haven, but how was this year?
Bitcoin has been pouring out from nearly US$65,000 in November last year, and this year it is less than US$20,000. The market environment is good, and the story is naturally good, but when it comes to poor market environment, everyone is very "real".
Gold
Actually, it fell this year, and it will rise every time you fight. But in the long run, the return rate is actually very average.
If you are worried about buying gold due to international emergencies, be careful to stand guard at a high position.
summary
When you invest, you will actually easily develop a path of dependence on success. If you make money from buying a house, you will continue to want to buy it, and if you make money from stocks, you will increase your bargaining chips and continue to invest. But in terms of the current environment, any all in is extremely risky. Diversified investment is very important: money to guarantee capital, money to make profits, money to increase profits, short-term money and long-term money all need to be planned more carefully.
▼Follow the official account: Big Fish Evaluation
