How to improve the capital preservation and appreciation rate, and what is the capital preservation

In today's era of negative interest rates, if the money in your hands is only used for savings, you can only watch the shrinkage, so what are the effective ways to avoid negative interest rates and achieve the preservation and appreciation of funds? Financial planners believe that prices are a long-term trend, and once inflation is higher than the bank savings rate, it means negative interest rates. Therefore, it is necessary to find ways to preserve and increase the value of wealth, avoid wealth shrinkage, and actively look for investment varieties with high returns and stability to achieve wealth appreciation.

Deposits as emergency funds The advent of the era of negative interest rates means that the assets of deposited banks will depreciate. Under normal circumstances, it is sufficient for ordinary families to keep 3-6 months of living expenses for emergencies. Real estate investment occupies more capital Real estate mainly refers to real estate investment, real estate generally includes commercial buildings and shops, and the value preservation and appreciation functions of shops and commercial buildings in urban areas are relatively strong, even if the currency depreciates, the house also has a strong value preservation function.

The recent increase in housing prices is not a few tenths of a percent, but a few percent or even higher. "Although the country's macro policies are frequent, housing prices still do not change the trend. However, the state now has a variety of restrictions on real estate transactions, making this channel less and less suitable for pure investment.

Strong ability to retain value can still play a long-term role in the preservation of value is still **and**, which is not difficult to understand, only **and** is the eternal currency. Due to the huge global liquidity, the demand for hedging is gradually increasing, and the domestic gold price is also following the sharp rise in the international gold price. Reminder:

At present, ICBC, Bank of China and other banks have opened a "paper" trading business, this kind of business as a kind of financial management, do not really buy real gold, but as long as you buy and sell on the account can share the benefits. At present, China has entered the "era of negative interest rates", and after deducting the inflation rate, the bank savings interest rate can only barely protect the capital. At present, the income of treasury bonds, RMB wealth management products, and currency ** is not too high, and **type** this year continues last year's fire**, and the first five months last**, and the overall average annual return is expected to exceed 40%.

It is recommended that the public take out part of the savings limit of the bank and transfer it to **, and only keep a small part of the pocket money. Since January 2007, some of the best returns have exceeded 100%, and most of the ordinary open-ended returns have also exceeded 20%, which is about 7 times the rate of return on bank regular savings. It is recommended that the public consult a bank financial planner for base selection before purchasing**.

It is basically the operation of assets other than the main business.

Capital preservation and appreciation rate= (year-end.)Owner's EquityBeginning of the year) x 100%.

The analysis indicators of capital preservation and appreciation results are capital accumulation rate and return on net assets.

Return on total assets and non-performing ratio. The analysis indicators mainly discount and verify the level and quality of capital operation of the enterprise, as well as the actual completion of capital preservation and appreciation. Among them, the capital accumulation rate = (the increase in owner's equity at the beginning of the year) x 100%.

Return on equity = (Net profit.

Average net worth) x 100%. Total shouting alpine return on assets = [(total profit.

Interest expense) Average Total Assets] x 100%. Non-performing assets ratio = (total non-performing assets at the end of the year, total assets at the end of the year) x 100%.

If the capital preservation and appreciation rate is 100%, it is said that Qi Ming Enterprise does not profit or lose, and the capital is maintained and the capital is preserved, if it is greater than 100%, it means that the enterprise has economic benefits.

Capital has increased in value on the original basis.

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The capital preservation and appreciation rate reflects the operational efficiency and safety status of the company's capital, and its calculation formula is as follows:

Capital preservation and appreciation rate = (year-end owner's equity Beginning of the year's owner's equity) x The analysis indicators of capital preservation and appreciation results are capital accumulation rate, return on net assets, return on total assets and non-performing asset cultivation ratio. The analysis indicators mainly divide and verify the level and quality of the company's capital operation, as well as the actual completion of the preservation and appreciation of the capital. Where:

Capital accumulation rate = (growth of owners' equity at the beginning of the year) x 100% return on equity = (net profit average net assets) x 100% return on total assets = [(total profit + interest expense) average total assets] x 100% non-performing assets ratio = (total non-performing assets at the end of the year total assets at the end of the year) x 100%.

The capital preservation and appreciation rate is one of the ten major indicators formulated by the Ministry of Finance to evaluate the economic benefits of enterprises, and the capital preservation and appreciation rate reflects the operational efficiency and safety status of enterprise capital.

Capital Preservation and Appreciation Rate = Ending Owners' Equity Beginning Owners' Equity x 100%.

or capital preservation and appreciation rate = ending owner's equity after deducting objective factors Beginning owner's equity x 100%.

Capital preservation and appreciation rate in 2013 = (2 295 000-5 100 000) 5100000 = -55%.

Capital preservation and appreciation rate in 2014 = ( 5 100 000 - 2 295 000) (5 100 000 - 2 295 000) = 100%.

Hello dear, I'm glad to answer for you [happy]! The capital preservation and appreciation rate refers to the ratio of owners' equity at the end of the year after deducting objective increase and decrease factors. The formula for calculating the capital preservation and appreciation rate is:

Capital Preservation and Appreciation Rate = (Owner's Equity at the End of the Year, Owner's Equity at the Beginning of the Year) 100%. It reflects the safety and growth of investors' capital investment in companies, and the higher the index data, the better. The capital preservation and appreciation rate is reflected in three aspects:

First, the physical assets owned by the enterprise can be reset when they are consumed or exhausted; second, the ability to produce the same amount of goods or services in the next year as this year's physical quantity; Third, the ability to produce goods or services of the same physical value in the following year as in this year. I hope mine can help you with Gao Heng Burying, and I wish you a happy life [Red Heart].

<> capital preservation and appreciation rate is an index formulated by the Ministry of Finance to evaluate the economic benefits of enterprises. Capital preservation and appreciation rate = the owner's equity at the end of the period and the owner's equity at the beginning of the period x 100%.

Owners' equity is composed of paid-in capital, capital reserve, surplus reserve and undistributed profits, and any change in any of the four items will cause a change in the total owner's equity. There are at least two situations that do not reflect the true meaning of capital preservation and appreciation.

1 The additional investment of investors in the current period will increase the paid-in capital of the enterprise, and may also incur capital premiums and capital conversion differences, resulting in changes in capital reserves.

2.The acceptance of external donations and the appreciation of assets in the current period led to an increase in capital reserve.