CPI, how to protect the capital of a segregated fund

1. Capital preservation is to provide a certain proportion of guaranteed capital protection for the principal invested within a certain period of time, and use fruits or a very small proportion of assets to engage in high-risk investment, and most of the assets are engaged in fixed-income investment, so that no matter how the investment market is, it will never be lower than the guaranteed capital, and achieve the so-called capital preservation.

2. Internationally, capital protection can be divided into two types: guarantee and capital protection, of which capital protection does not require a third party to provide guarantee. Generally speaking, the majority of the assets are invested in fixed income bonds to pay the investor's principal at the end of the maturity, and about 15% and 20% of the remaining assets are invested in instruments such as ** to enhance the return potential.

3. Capital protection** is divided into two parts, one part is the protective pad, that is, the risk-free asset part. The size of risk-free assets is highly correlated with the investment period and market interest rate, and the other part is risk assets, and the shrinkage of risk-free assets means the expansion of risk assets, which will make investment more flexible. For example, if the initial asset of a ** is 1 million yuan, if you use 950,000 yuan to buy bonds, you can get a maturity income of 50,000 yuan, then you can use 50,000 yuan to buy ** and other risk assets, even if these risk assets are completely lost, ** will not lose money as a whole.

In practice, it is impossible to lose 100% of the ** asset. Therefore, the yield of the bond can be amplified and invested in the market. In addition, capital protection** also provides double protection, in addition to the above-mentioned investment strategy to ensure the relative safety of the principal, there is also a guarantee company to provide guarantees.

The above strategy is the so-called CPPI strategy, that is, the fixed proportion of portfolio insurance strategy, which is adopted by most domestic capital preservation strategies.

Don't believe in any capital protection, people rely on your money to eat!

This is very normal, and many people misinterpret capital preservation as a guarantee of the safety of investors' principals, which is wrong. The so-called capital protection** refers to a financial product, which is a kind of financial investment products linked to its derivatives, so as to ensure the safety of the principal as much as possible and obtain a certain return. For example, when investing, the risk is very large, and in order to reduce the risk, you can have a certain short-selling function, such as CSI 300, and at the same time, CSI 300 financial derivatives - stock index.

At this time, if the stock index held by ** is short, the stock index ** will make money at this time. However, if the money-making varieties are not as good as the money-losing varieties, the net value will still be **. Therefore, the so-called capital protection ** is a foreign "risk hedging**", and the operation method is similar.

It can be seen from this that capital protection** does not guarantee that the investor's principal will not be lost. Generally speaking, China's capital preservation is not worth any investment, because there are very few financial hedging varieties in the Chinese market, and the supervision is also very strict, and not all financial products that can be hedged can participate. So, you can take a look at the data of capital preservation**, in a bull market, it basically does not rise, but in a bear market, it falls the same, and this is the reason.

In addition, one of the reasons why you have no income is that ** is traded according to the net value, if you ** is more than 1 yuan when it is, and even if it becomes 1 yuan, it means that this ** is still capital protected since its establishment, and you are not capital protected. Also, capital protection**Due to the large number of trading varieties, the transaction fees are also high, and you also have to consider the cost of this aspect, which will also make you a negative return. The subscription fee is generally 2% or more.

Now is the low point of **, and you are unlikely to get a positive return. It is not illegal. Because it is not good, it is impossible to protect the capital.

Buy only during the subscription period. And hold it until the capital protection period is the capital preservation. It doesn't matter if the net value is low at present, and the principal will be repaid at the end of the insurance period.

Capital Protection** refers to the operation through a certain capital preservation investment strategy, and at the same time the introduction of a capital protection mechanism to ensure that ** share holders can obtain a guarantee of investment principal when the capital protection cycle expires**. Specifically, the so-called capital protection refers to the fact that during the insurance period of the product (a lock-up period of a certain period is generally set, which is generally 3 years in China, and even 7 to 12 years abroad), investors can get back the original invested principal, but if they are redeemed in advance, they will not enjoy preferential treatment. This kind of ** is a good investment variety for investors with weak risk tolerance or uncertain trends in the future, which can not only ensure the safety of the invested principal, but also participate in the profit of ****, which has its specific advantages.

When the income is 0, your principal is capital protection, but you have to pay ** management fees and taxes, so it is negative.

Let's see if you have a contract, a subscription contract. It is not right to publicize this capital preservation, but it is normal to not protect the capital. It can be considered whether it is false propaganda.

It doesn't matter, wait until the expiration of the three-year period, if you still lose money, the company will make up the principal for you.

In this cycle, other institutions, such as insurance companies, guarantee **, as long as you do not redeem halfway, hold it to maturity, and ensure that the principal is guaranteed.

Capital Protection** General contracts all state that the guaranteed principal or guaranteed principal and transaction costs will be held for 3 years from the open date, so some ** If they are bought in the middle, they do not promise to protect the principal, and some need to hold it for a certain period of time to protect the capital, and if the net value is low, the company will compensate if the net value is low.

Of course, the above is a general situation, and individual problems should be analyzed individually.

There is no absolute thing in the world, and it is normal to protect the capital ** but not the principal.

Capital preservation is not necessarily capital preservation, it depends on the type and agreement you sign, after all, it is not the same as savings, investment is risky, not to mention this year's investment market recession.

**The investment target is**,** and other things, so it is not as the name suggests, and I don't want the company to mislead consumers with the name of **! Investment is risky, be cautious!

I've been buying ** for four or five years, and the income is also negative, I am doing regular investment, and now**so, of course, it is a negative drop, only wait for the situation to improve, to see if I can keep the point! As for the naming of the ** company you mentioned, it is also to attract investors, investment is risky, please be cautious when entering the market! That's how the company educates us, isn't it?

...**The means of playing, although it is just a name. The actual decision depends on the contract, and if you don't believe it, if you look at your contract, there is definitely no clear agreement in it to guarantee the safety of the principal.

Capital preservation is capital protection, if it expires and you lose, the company will compensate you.

However, if you don't make money, it's better to save for a fixed period of time with interest.

It's just a name, but it can't be real.

For example, advantages, growth, social responsibility, dragon, steady and double profit, are all fooling you.

Under normal circumstances, the capital preservation is capital preservation, and the capital preservation cycle is three years, it can only be said that the level of this **manager is not very good, in addition, looking at his position varieties, it is not written that the capital preservation will definitely protect the capital.

Capital preservation is to provide a certain percentage of guaranteed capital protection for the principal invested within a certain period of time, using fruits or a very small proportion of assets to engage in high-risk investment, and most of the assets are engaged in fixed income investment, so that no matter how the investment market is, it will never be lower than the guaranteed **, and achieve the so-called capital preservation. There is a principal protection period, usually three months, and the ** subscribed during the principal protection period can participate in the principal protection clause, while the ** purchased outside the principal protection period does not participate in the principal protection clause.

It depends on the proportion of his investment. The name does not represent the ** itself.

It's normal, and the ** level is not too high.

Isn't it still used for investment? It is impossible to save the capital and look at my space

Bonds** can lose money, such as when someone doesn't have the money to pay off the debt. Capital Protection** must be capital protected.

Bonds, also known as bonds, refer to those that invest in bonds, which seek more stable returns by pooling the funds of many investors to invest in bonds in a portfolio.

Capital preservation is to provide a certain percentage of guaranteed capital protection for the principal invested within a certain period of time, and use interest or a very small proportion of assets to engage in high-risk investment, and most of the assets are engaged in fixed income investment, so that the investment market will never be lower than the guaranteed capital no matter what, and achieve the so-called capital preservation.

The difference between bonds** and capital protection**. The difference between bond and capital preservation is mainly reflected in the risk and return, the bond is high risk and high return, and the capital preservation is to protect the capital in the city, and strive to obtain income in the market. In a word, it is possible for bonds to lose money, but the capital must be preserved.

Bond** is suitable for more conservative investors or the elderly. Because the returns are lower, the volatility is smaller, and the risks are relatively small. Bonds** are not principal protected.

The currency type** is commission-free and is equivalent to a one-year fixed deposit with a bank. Money deposited in the bank seems to be principal-preserving, but in fact it will depreciate. So there is no principal-protected investment at the moment.

If you invest in it, you will be risky. High risk breeds high returns. At the current low point, investing in several good ** is the real sense of capital preservation.

And there will be a higher rate of return on investment. Like last year's **Champion---** type of Huashang Shengshi Growth, the annual rate of return is as high as 40%, and the current better Huaan Baoli**, the yield in the past year is also 22,54%, ranking first in the mixed type. Therefore, at the current good time, choose a better variety of investment, there will be a higher return on investment.

Bond type ** is a lower risk **, but can achieve good returns in the downturn. It cannot be said that it is completely capital protected, only the currency type ** is capital protected. But bonds are much less risky than types of bonds.

If you're just getting started, you can try to buy some bonds, because this year, during the interest rate hike cycle, bond yields are still relatively stable.

Capital Protection** is suitable for three types of people, you can evaluate it yourself. One is individual investors with low risk tolerance and looking forward to sharing the best returns; Second, investors who have a high demand for principal security and hope to outperform CPI through investment, especially the interest on 3-year fixed deposits and 3-year treasury bonds; Third, investors with asset allocation needs can use capital preservation as a "safety cushion" for asset portfolios. Personally, I think that capital preservation is very suitable for the relatively stable investment needs of ordinary people.

It is recommended to find a class of collectibles for financial management, and it is not recommended to buy all kinds of **.

Ledai can provide you with financial solutions!

Unlike bonds, bonds** are mainly traded on bonds**, and they do not just hold bonds and wait for interest to mature, but trade with spreads, so they will also lose money. In addition, the bonds themselves will lose money as their value decreases due to rising interest rates. Therefore, the bond type ** does not protect the principal, and there is also the possibility of loss, and it is necessary to grasp the macro monetary situation.

During periods of rising interest rates, bonds** generally continue to lose money.

**It is also a time to lose money, just to say that his risk is a little smaller, not as risky as **, it is recommended that you in addition to understanding the bond type**, you can also go to understand the currency**or**fixed investment, learn more about a few channels, it is still more useful to yourself.

Capital preservation will only be capital preservation, and whether the principal is guaranteed must be determined according to the ** contract.

At present, the principal is generally protected only when it is subscribed and held until the end of the capital protection cycle, and the principal is not guaranteed if it is subscribed or redeemed in advance.

Not necessarily.

However, based on experience, long-term bond holdings** can protect the principal.

Don't buy bonds now** The bond market is not working now, you can just look at a bond** and understand that the net value is declining.

Then again, bonds are divided into pure debt and mixed debt, and I'm talking about pure debt.

It is not principal protected, and it is generally a net value of 1 yuan when it is issued, and it is a loss if it is less than 1 yuan.

Is there still a capital preservation **? Why is it yours to earn and someone else to lose.

1. According to the current situation, you had better buy a bond-type capital guarantee ** and make a fixed investment, which is about 300 yuan per month, ranging from 3 to 10 years on a regular basis, and you can determine the size of the amount and the length of time according to your own situation.

2. You can buy directly online, and the handling fee is preferential compared with the bank to buy, after you choose the **, you can buy directly in the online bank.

3. In fact, you can not buy **, now many banks also have some wealth management products, you can also take the time to take a look, according to your own situation to choose to do.