Global interest rate hikes, China cuts interest rate! How exactly should I invest?
The central bank of China once again announced a reduction in policy interest rates, which is in great contrast to the tense atmosphere of interest rate hikes around the world.
I'm sure everyone is familiar with the latest global economic information, and I'm sure everyone knows about the problems China is currently facing. Today I want to share a question from a client recently asked me — #升息降息对我的投资组合有什么影响
>> Demystifying investment advice from a certified financial planner (Licensed Financial Planner) <<
Many people don't know what a financial planner's real plan actually does. In fact, the financial plans we also provide to our clients include:
#现金流规划(If your bank doesn't have money, it depends on this)
#风险管理(Can be understood as an insurance plan),
#投资管理(It's just an investment, nothing special),
#遗产分配(A will is important),
And so on, it's all about money and your life.
The investment planning section is mainly aimed at long-term retirement, and many people must have a question:
“Do you all only recommend Client Unit Trust?”
#现金流规划(If your bank doesn't have money, it depends on this)
#风险管理(Can be understood as an insurance plan),
#投资管理(It's just an investment, nothing special),
#遗产分配(A will is important),
And so on, it's all about money and your life.
The investment planning section is mainly aimed at long-term retirement, and many people must have a question:
“Do you all only recommend Client Unit Trust?”
Mainly because trust funds are one of the most accepted investment instruments in Malaysia.
There is also a very cruel cold fact,#马来西亚人不懂专业财务咨询服务的价值
There is no way. In order to survive and stick to their dreams, most financial planners need to make ends meet through commission income from financial management tools.
>> What is the impact of interest rate hikes and interest rate cuts on the overall investment portfolio <<
The impact of changes in global interest rates on the economy is inevitable, and the impact of the economy on our investment portfolios is also relative.#但又对我们的影响不大#这取决于你的投资工具以及期限
Let's put it this way, if your investment period is long-term (ten years or more), then the current interest rate change won't change much for your investment.
In terms of instruments, if you invest in cyclical assets (such as precious metals, crude oil, planting-related), then it will definitely have an impact.
Here I'd like to share with you a tool you're definitely not familiar with -- ETF
>> How ETFs Can Help Us Through Interest Rate Fluctuations <<
My next ETF will mainly revolve around exponential ETFs, and ETFs for the three major US stock indexes.
What are the three major US stock indexes
From 1980 to 2023, the Dow Jones Industrial Average as a whole showed an upward trend. Even though it experienced several fluctuations in the middle, it was still rising overall.
Although interest rate adjustments have been made many times over the past 40 years, they have not affected the rise of the index.
Leave a message and write down your answers! I'll give you an explanation in the next post.
George Young Financial Mentor
Disclaimer: Community is offered by Moomoo Technologies Inc. and is for educational purposes only.
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EEC 青年财商导师，已经陪伴超过 1,120 名职场青年度过财富思维成长期。10年理财实践经验的他也是马来西亚国家认证的财务规划师。
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Shelby57 : Because China's economy is in shamble
101625492 :
101738010 :
Take it time Shelby57:
101774759 : The Chinese government must make some more favorable policies to help enterprises get through this difficult time!
104103683 : china is in bad shape now, any hope?
104115635 : may I know is financial planning service is well received by the public in Malaysia? What do you offer?