Today, our investors and the exchange of parenting issues, I have three children, so their children's education is also particularly needed.
Family financial management to establish a basic safety net
as a family, in fact, personal is also a family unit, growing with age, family structure will make some changes, your financial needs first to set a good goal, what is your goal, there is no way to avoid some of that savings of demand. savings of demand include your pension, children's education payment. to pensions, for example, unless you do not believe even if you long life, and I believe in longevity in me, so I'm going; here children need both parents, and we talk about is their children's education.
I was very positive, I started long ago from the investment income in my first time to buy insurance I do investment bank deposits rarely exceeds 4, 5 digits, I wanted a way to transfer money out, because I think on the deposits of which, for me, pretty stupid, I am positive.
but I am a person full time to eat the whole family does not matter, when I had a child, I can not speak with the child one day, We still need to build some of the savings above the basic safety net.
their children's education needs of the family financial first
us not speak of education in nurturing the spirit takes him above, talk about some of the actual pay in the United States there is a statistical calculation of fees to raise a child how much money, I will not speak on the Ivy League this extreme example, because the United States most of the good schools are private, Eastern societies most good schools are public, because Government resources into the education system in the United States are not the same, but he is better private schools. but in general if the small to large, he probably calculated that raising a child to the U.S. income level, you probably guess the average How much, from small to large, counting only tuition and fees, is required reading is $ 100,000.
after the financial crisis around the world, even in Europe and the U.S. economic growth rate between these flat market, GDP growth of 5% is possible overheated, even this way, including your various expenses, wages will be stagnant at times, but a fee is not all the way back, the past few decades has been to increase the figures, is the tuition fees. in the world Tuition is kept in the Asian market in general, we have statistics, including Japan, including the Mainland side, the U.S. also had statistics, the other markets in Hong Kong, the Taiwan market has calculated that the number of each market may not be the same But guess what you probably think about how much increase in tuition fees? are probably more than 10% double digits. Over the past few years the mainland's economic growth may be fast, this part of the fast growth of our wages, even if I just say Europe is relatively slow GDP growth has been, and he rose very high tuition fees, his wages may not rise much, but tuition is still up, how do?
why the education of their children around the world are gold being taken seriously, because in your family financial account for a very important above all share, one is children's education, the other is his pension, pension we do not speak today, we just talk about their children's education, some truth is through the that these two purposes is a relatively long-term, but you can not avoid.
we give you to see (PPT) is a national survey in the country in general parents probably have considered the Chinese to children education or on the very front, and family education is probably accounted for 30%, if the investment in higher education for their children so that the proportion would be even higher.
we give you a different look at the figures, which is the This is abroad in Hong Kong, in Australia, this is a private school at Harvard that we converted into yuan, 400,000 yuan in Hong Kong varies from as many as a million yuan. If your child can be good enough, then many go abroad to study are can get scholarships, fellowships, or that the great majority minus the cost, such as a living, accommodation. In addition, if inflation is included, today's 100 million to 100 million years after the may not.
How to accumulate reserves children's education?
First, you have to start preparing sooner the better. Second, select the appropriate investment instruments. the subject of some civilians, such as stock funds, which is in the world, such as European and American society is very widely used in children's education as the gold reserves of gold and personal education investment vehicles, the average rate of return will not be like Buffett, 20% or 18%, but probably can be achieved for example 8% or 15%, in fact, has been very good very good.
me directly to show you a few figures. We took the Shanghai index to measure, the Shanghai index from a historical point of view, for the Shanghai Composite Index return, you will be reading the words of children to Hong Kong We estimate the need to reserve 367,000, since 1991, is scheduled to vote to do so, in fact he is scheduled to vote just a month more than 200 pieces, this return rate is very high; if it is a 12-year-old child started from 2002, done about 6 years later, he kids can go to school in Hong Kong.
I hope you remember me talking about this, I say His kids are in high school, hoping to help him through the Fund will vote for a university education costs. I said personally think that this is not the right position, and if within three years, then use the money to do the right child is not scheduled to vote. When a small child to begin, the sooner the better start. because, after all, the stock market volatility, which hit three years down the cycle may be precisely the case, the security of assets will fall. We usually recommend at least 5 years, 5 years in this market in general has gone through a complete cycle.
2006 m 2008 we have experienced side up and the down side, very steep long and short cycles. After this cycle, what the results will vote it? We take a look. to July 2001 to March 2004 as an example the Shanghai index, for example, just experienced a rebound from the decline to the cycle of this period the Shanghai Composite Index fell 9.3% in total, but if This sustained period of time each month you are scheduled to vote, I do not speak of individual funds, I would say index, was still scheduled to vote in the pay of up to 9.8%.
we looked back, driving force of domestic demand the establishment of the Fund is 07 The fund, which is formed when the bull market, then the market turned bearish, the Fund's returns will be relatively low. but if you vote the way you through the set but still a small profit, this is an extreme.
If we look at the words of Hong Kong Index, the Hong Kong index is scheduled to vote if then pull the longer the time, probably more than 6 years is basically to make money, the annual rate of return on fixed investment is basically a home run, winning for is very high.
recommended to do a positive equity funds is scheduled to vote
fixed investment was also asked what varieties of funds will be better? now have money funds, bond funds, balanced funds, equity funds, index funds, etc. , we recommend choosing a more active equity funds is appropriate.
to these products, our company is concerned, China's economic structure in the current circumstances, we feel for the young child is scheduled to vote in the small cap Foundation is more appropriate. Why? will lengthen the time in the small-cap stocks, and his return is better than the big blue chips. But he also accompanied by what is it? market fell when he also fell down. so you must do a relatively long process of preparation, is scheduled to vote if you only 3 months, 3 quarters, the fund may be inappropriate.
Also, if you want to balance that can be done if the Chinese advantage + Alpha, the two stock funds. If you have some money to the layout in the overseas market, we recommend that investors chose blue chip funds, such as equity funds in Asia, and then with a European equity funds.
really do not scheduled to vote too complex and does not need to choose too much. because it is simple, you just enjoy the economies grow just fine. We believe that China's economic growth will be sustained long term to the right, then it will be voted by way of capital reserve your long-term demand.
market decline should adhere to the fixed investment
scheduled to vote on, we have encountered in the past year, many customers, especially when the market to fall, because he lost confidence, he said ; I should not do in the end? 2001 m 2008 case is scheduled to vote for years, insisted during the month if it is scheduled to vote, in the middle through the share reform, SARS, the market reached 6,000 points and the rapid correction, the market volatility is very large. The return of the investor's fixed investment rate is 77%.
If you hit the stock market down, investors stopped the deduction is scheduled to vote, so the market continues to pick up again, he also make money, but the rate of return is 39%, significantly lower than the previous one.
If investors when it comes to overweight in low, but his return will be higher.
share my experience
child is scheduled to vote on these and to share the concept of fixed investment, and I am willing to share with you my practical examples of their own, perhaps some investors have heard I have said. I also have three children, in fact, the burden on my children's education, you might not deny that my burden than all of you have any weight, because I have three. how to do?
, I reserve a child education payments are scheduled to vote to do by the. is scheduled to vote seem to be simple, as if nothing special, but it is not so easy to do. because the middle is easy to mistake operations, such as the bull market when you want to say I will not add code, the bear stopped when the fear of the deduction. I insisted him to do every month, and now ten years accumulated effect of this is really very good . then he should study, what he read, of course, super-elite schools may have to work harder, but generally would be affordable, and the remaining is whether the test of her ability to go out.
I recommended the adoption of given way to vote, because the relatively high success rate, I give an example, our first China fund mm edge, it is time to set up the fall of 2004, this fund so far we found that even if someone, no matter how powerful, have you set up a time to start buying dollars, to its highest, our customers can make the little band, but is scheduled to vote more easily, the success rate is very high.
asset allocation decision to a profit of 91.5% < br> Finally, I would like to give you a look at the layout of the portfolio. This is a U.S. pension statistics, about 20 years of statistics, he found a profit factor is asset allocation rather than when to buy which one stock, asset allocation decisions are investment decisions in the most important success factors. so we still recommend to do configuration, have a different group of products like the same team, or the same as cooking, whether or restaurant chef home inside the housewife, want to cook their own food out of a table are both meat and vegetables. a team if each player is Yao Ming, it seems very powerful, is not going to win. If everyone is a Beckham football Farm does not necessarily win, because you need the goalkeeper. So you have to attack, but also a defense, and must have gatekeepers.
funds we have more positive side, our conservative Monetary Fund . on the issue of JP Morgan is now a bond fund, which is conservative products, you are interested can go to the website to see the specific situation.
I would remind you, no matter how you do not like the pessimistic the extreme that completely empty-handed, no matter how optimistic you do not have all their money into the stock market, these two extremes you have taken great risk. speak up and the latter a greater risk, will lose money; the risk of the former you withdraw all the money, but less profitable risks. but how does the fight against inflation? they still have some modest investment. each of the Investors are not the same ability to bear risk, the stock of debt can also do some combination of adjustment.
to the children
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