In the era of negative interest rate or low interest rate, it is particularly important to choose the right investment at this time.

In the view of Wei Ji Yao, low interest rates or negative interest rates will force investors to gradually shift their funds from high-risk assets to low risk assets.

The reason is nothing more than the overall return of high-risk assets, which is more difficult to match the risks of such assets.

Under the current circumstances,

The main objective should be asset value preservation.

Of course, for high net worth customers, trust is still a cost-effective alternative.

For ordinary investors, there is a greater risk of asset appreciation in the current environment, but it is still easier to consider asset maintenance only.

At present, in addition to deposits in the market, such as bank financing, various fund products, trusts,

The yield of most products such as futures and Internet products (such as P2P) is significantly higher than that of CPI.

Even in the second half of the year, CPI has upward trend, but it is still harder to surpass most of the financial products.

Under the "negative interest rate" era, how to protect the wealth has not been shrinking, has become the focus of attention.

According to the market participants interviewed by reporters, the persistence of negative interest rates will directly affect the wealth of China's middle and low income residents.

On the other hand, in the face of inflationary pressure, a reliable way is to let the money in hand rise, and the key to capital appreciation is to set up a more reasonable personal investment and financial management plan.

Data from the National Bureau of statistics show that in 2016 July, the national consumer price level rose 1.8% year-on-year.

Although this has fallen for third consecutive months, it still outperforms some commercial banks in the same period.

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After the interest rate cut last October, the annual interest rate of the five major state-owned commercial banks was 1.75%, while the 10 listed joint-stock banks, in addition to China Merchants Bank and the five major state-owned commercial banks, remained the same as 1.75%, while the other 9 one-year regular interest rates were 2%.

Under the negative interest rate pattern, the risk of residents' deposits shrink.

"The domestic investment environment has changed greatly compared with the past. Traditional investment channels or investment methods, such as time deposits, are likely to cause investors to depreciate their assets."

Puyi standard researcher Wei Jiyao pointed out.

In the five major state-owned cases, the 1 year deposit rate is 1.75%, slightly lower than CPI's 1.8%.

As a result, if a depositor will deal with a 1 - year term deposit of 100 thousand yuan, the actual loss of 1 years after its expiration is 50 yuan in accordance with the rate of inflation.

Expected revenue oriented financial products and IMF are low risk products, even if the yield of IMF products with lower yield is basically higher than 2.5%, which can meet the needs of risk averse investors.

"For investors, there is no need to panic too much about the era of negative interest rates."

Wei Jiyao analysis pointed out that the current "negative interest rate" era in China should be in the era of "real negative interest rates", which is different from the negative rate of foreign earnings.

At the same time, although the benchmark interest rate is lower than CPI, but because of the cancellation of the deposit interest rate ceiling, the overall interest rate of commercial banks has risen. Therefore, not all bank deposit rates are lower than CPI. Small and medium-sized banks still maintain higher interest rates in order to enhance customer stickiness.