Improving Liquidity By Financing And Raising Capital

Family assets need adjustment

First of all, from a macro perspective, with the pformation of the economy, it will be difficult to continue to rely on investment to drive land prices, thereby driving up housing prices and economic prosperity.

Secondly, with the influence of various macroeconomic regulation and control factors such as the purchase of upper limit, interest rate increase and property tax, it is difficult to obtain high profits from investment in real estate.

More crucial is that once the property's "wealth effect", "

According to the readers we have received over the years

But if we really go in

Emergency reserve fund

In addition to increasing the overall liquidity of household assets, we should also remind you to set up a family emergency fund.

This family emergency reserve is usually reserved in the form of the most liquid demand deposits or money market funds.

It is recommended that the general family, the family emergency fund is about 3~6 times the monthly household expenditure.

If family debt ratio is particularly high, this reserve index should also be increased.

The money can neither be saved nor taken to casual consumption.

With reserve funds, it is a "safety valve" for its family finances.

Once there is temporary unemployment or temporary disruptive expenditure, the safety valve can be temporarily "urgent", which will not make daily life suddenly become strapped or even difficult to cope with, and to a certain extent, it can reduce family financial risks.

In addition, it is particularly necessary to remind one more thing, because in the current workplace, the number of vacancies in higher vocational institutes is relatively small. If the executives of enterprises are active or passive unemployed, it is more difficult to find a job comparable to those of previous positions and salaries.

If you are a high-income and high position person, the family emergency reserve fund is best able to store up to 12 times the daily household monthly expenditure.

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Look for more benefits

High liquidity assets can sometimes be obtained through some investment means to obtain a more objective level of income.

Obviously, it is much more obvious to take the initiative and invest more actively than passive ones.

If there are more liquid assets in hand, individual investors can also try the reverse repurchase operation of treasury bonds.

According to the provisions of China's securities market, only institutional accounts can be used for treasury bond repurchase operations. Ordinary individual investors can only reverse repurchase treasury bonds, that is, lending their money to market institutions to obtain certain interest income.

To put it simply, the essence of reverse repurchase is short term loan, that is to say, individuals borrow their funds through the Treasury bond repo market and get fixed interest income.

And the repurchase party, that is, the borrower uses his treasury bonds as collateral to get the loan and repay the principal and interest after maturity.

In operation, the reverse repurchase of treasury bonds is also quite convenient, without the need to pfer funds to bank accounts, and can be traded directly in securities accounts.

In fact, treasury bond repurchase rate is closely related to the supply and demand of capital market.

We can see that at the end of every month and the end of the season, the repo rate of treasury bonds obviously jumps.

Usually, this is also the time for banks to hold high interest rates, and the demand for funds in the market is large. At this time, the reverse repurchase operation of treasury bonds is carried out, and the rate of return is often higher.

For investors, mastering these rules will yield a higher return than the temporary pfer of funds to banks.