The global interest rate cut has entered the era of super low interest. However, the head of the bank's wealth department pointed out that the economic situation is chaotic and the market risk is still large. Investors should not think that the cost of capital is too low to buy stocks and buy funds and fall into the three low profit trap.

Liao Tingting, manager of China Trust and wealth division, said that in a low profit environment, the financial system is most afraid of falling into the trap of liquidity, and the central bank has injected capital into the banking system. However, bank funds are not loaned to enterprises.

As for the low interest situation, investors are most afraid of falling into the trap of low interest and falling into the three low profit trap.

It is very suitable for debt investment.

Liao Tingting said that with the current loan interest rate, the interest rate of borrowing money from houses is very low, about 2%, but the cost of other financing channels is still high, about 6%, 10%, or even higher.

In this uncertain economic situation, if we borrow money in a hurry, if we lose money, we will lose money and lose interest on loans.

Two, mistaken for the low profit period, it must be a good time to invest.

Chen Yifen, senior vice president of ING securities, pointed out that from the past experience, after interest rates dropped to a low point, they would go through fermentation for a period of time, and the stock market, housing market and commodity prices would slowly emerge.

The chief executive of Zhaofeng said that borrowing money and investing in the market will be too risky.

With the experience of the Internet bubble burst in 2000, the global stock market went through two major downward trends. The first wave fell more than 50%. After the rebound, it experienced second waves of setbacks. Until the 911 incident, the market really fell.

Liao Tingting said that this year the financial tsunami raged, the market experienced the first wave of fall, but it is difficult to guarantee that next year's market can be bottoming out. If we rush in, we will face the second wave of market crash, the risk is too high, we must avoid.

Three, mistaken for low profit environment, all kinds of investment targets have the opportunity to rise.

Yongfeng silver chief said that under the environment of lower interest rates, the bond fund would have a chance to earn capital gains. However, as interest rates fell further, the use of bond funds would be appropriate.

After a period of time, if interest rates are reversed from lower levels, the proportion of some bond funds should be reduced. In addition, when interest rates are too low, anti floating bonds are not appropriate targets.

Liao Tingting said that in the next six months, Europe and Asia still have room to cut interest rates, holding the European debt and sub debt funds, and have the opportunity to make capital gains. As for the US debt, interest rates are already in the low grade, and the space is reduced.