In The Low Interest Rate Era, "Baby" Is The Biggest Hit.

The low interest environment helps to start businesses, and the real economy is more likely to have opportunities.

Economists believe that the central bank to cut interest rates, conduction to the investment and financing market, in addition to the overall good property market, bank financing, stock market, bonds, funds, "baby", P2P, gold products will have a small impact.

Financial products "baby class" mainly because of the interest rate differences in interbank lending, with the reduction of interest rates, this kind of financial products are the biggest impact.

China is about to enter the era of low interest. This trend is beyond doubt.

Yao Yu, executive director of investment finance and real estate research, said that the mainland has entered a cycle of interest rate cuts and is expected to last for two or three years.

But for overseas buyers, some real estate owners remain cautious.

Huang Tao, general manager of the Zhongyuan Project Department of Guangdong, pointed out that overseas home buyers use more capital, and at present, the fluctuation of exchange rate market is large, and the overseas property market is also more complicated.

In view of the current low interest environment, Huang Tao believes that the return on investment in the Guangzhou property market is basically above 2%. The central high district has a higher rental rate, with a return rate of 2.5%~4%. The purchase has obviously outperformed deposits, and basically exceeds the rate of return on financial products. He suggests that people who have places to purchase may pass the low interest era through buying houses.

From the data point of view, implementation

The country's property market rose moderately, with fewer ups and downs.

Economic analysts believe that as a result of low interest rates constant, equivalent to the whole society investment products set a "water level", investment products are taken as a reference. If property prices fluctuate in a short period of time, it is bound to impact this reference value.

Economist

It is pointed out that for the average person, because of the small scale of their wealth and their simple structure, in fact, the relationship between the war of wealth and their relationship is not very large. For these people, it is recommended to buy secure fixed income bonds and secure financial products in crisis situations.

For those who have more than $5 million in cash and liquidity, their ability to distribute wealth globally is relatively weak, and their main assets are in real estate and stocks. Ma Guangyuan suggested that "no".

And hot city houses can be sold, and within their capabilities, take as many dollars as possible.

For China's high net worth people, Ma Guangyuan believes that they should "resolutely sell shares in emerging markets, sell excess houses, and resolutely eat into US dollar and US dollar assets".

Yao Yu also recognizes Ma Guangyuan's main point. He thinks that the mainland people invest their money in the stock market or the property market. The risks are clustered together and are very bad for wealth management. Indeed, we must consider "going abroad to make reasonable asset allocation".

In the choice of cash currency or property, Yao Yu did not propose to change foreign currency holdings now. "The value of the renminbi is overvalued and the US dollar has the same problem", so holding assets is better than holding money.