A new wave of epidemics broke out again, and most people have changed to work from home, thinking that they can save money by staying at home?
The rise in vegetable prices, takeaway fees, online shopping fees, water, electricity and coal and other living expenses have skyrocketed, in fact, the living expenses have increased in minutes without knowing it!
There are also people who have lost their jobs, taken unpaid leave or been suspended without pay due to the epidemic, resulting in a drop in income.
In severe cases, they choose to borrow due to economic pressure.
The sudden fifth wave of the epidemic has caused many people to face unprecedented economic difficulties: active income has dropped sharply, and expenses have increased significantly.
Earlier surveys have shown that the household income of more than half of the respondents has fallen during the epidemic.
There are even reports that a father of three children in Hong Kong lost his job during the epidemic, borrowed an overdraft credit card to pay for daily expenses, and once owed about 100,000 yuan in credit cards.
Under the epidemic, the economic environment and lifestyle have changed drastically. What kind of investment concept is more suitable for the new normal of the epidemic and helps to resist unknown risks?
Solution: Develop a long-term financial outlook and increase passive income - how to get started?
1. Stock dividends
I believe that many Hong Kong people are very familiar with stock investment. The advantage is that the investment amount and period are more flexible. The risk is that the stock price fluctuates greatly, and it is necessary to "watch the market" in real time and pay close attention to the stock market.
Therefore, many novice investors will choose to start with "dividend stocks" first. The advantage is that the income and stock price performance are relatively stable, and the dividend yield is more attractive than other industries. It is considered to be a "stepping stone" to increase passive income.
However, in the current market downturn, dividend-paying stocks cannot be effective in the short term, and stock investment is always greatly influenced by human emotions and personal knowledge background. It is inevitable that there will be losses caused by follow-up investment.
Both old and new investors, they still need to be rational when investing, avoid being influenced by the herd mentality, and follow the market trend to invest impulsively.
2. Bank Fixed Deposit
Under the current unstable market conditions, it is believed that more people will choose bank time deposits. They can deposit different currencies into bank accounts, such as Hong Kong dollars, RMB or US dollars, to obtain fixed interest.
The advantage is that the return is stable, no more specialized financial knowledge is required, but the yield is low, and the principal needs to be locked in a specified period.
If the user needs the principal emergency in the middle, he needs to apply for termination of the contract first, or additional default charges will be incurred, which is relatively less liquid than other financial instruments.
3. Robo-advisors – the correct solution of "passive income" that has been popular in Europe and the United States for a long time
The robo-advisory service is an emerging investment method in recent years, and it is also an investment method that is closer to receiving "passive income".
The criteria for evaluating a good robo-advisor are also very simple:
1. Ability to customize asset allocation plans based on user risk preferences through algorithms and models.
2. It can track and adjust the user's asset allocation plan in real time.
3. Maximize returns within the risk range that users can bear.
Because the fees of robo-advisors are generally lower than those of traditional personal investment, it can more accurately match investment needs, and the operation is convenient and easy to use.
Worried that the investment vision of "robots" is not accurate enough?
Gary Blinson, who has the title of "Father of Global Asset Allocation", shared earlier that 90% of investment income comes from successful asset allocation.
No matter whether you are a novice or a veteran, asset allocation is inevitably affected by personal factors such as emotions and professionalism; and AI can accordingly eliminate these subjective factors and optimize investment decisions.
Take the robo-advisory service “Letou” recently launched by Huatai Financial Holdings’ ZhangLe Global App.
The fund pool included in the “Letou” investment portfolio is a selection of high-quality funds from world-renowned asset management companies such as BlackRock, UBS, and Flakelin using big data and AI algorithms, covering stock-based, debt-based and other categories. Assets are equivalent to the professional protection of first-class investment managers.
At the same time, each "Letou" portfolio involves multiple investment themes around the world, allowing investors to achieve multiple high-quality asset allocation from one investment portfolio.
"Le Tou" in the ZhangLe Global App now has 10 investment portfolios with different risk preferences and volatility. According to investors' risk preferences, it can automatically recommend suitable investment portfolios.
According to the historical backtest data managed by the intelligent algorithm of “Letou”, the “aggressive high-volatility portfolio” among them has accumulated a return rate of more than 140% in the past five years.
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At the same time, "Letou" can also monitor the market 24 hours a day, automatically prompting investors "Action Point", and will not easily miss key decisions.
Even if the principal is only a few thousand mosquitoes, you can use the "Letou" service to test the water temperature.
Unlike other robo-advisory products that often cost hundreds of thousands of dollars, the investment threshold for “Letou” is as low as US$500 (approximately HK$4,000), with zero investment advisory fees and zero redemption fees.
Earn all the rewards and get up to $5,000 in peace of mind at home gift packs on the Joy Global App “Le Tou”
Want to earn all the rewards while investing profitably?
Remember to pay attention to the reward activities on the official Facebook of the ZhangLe Global App from now until March 31, 2022, for a chance to win up to HK$5,000 in rewards!
Both old and new customers can participate in the event to win rich bonuses and prizes!
1. Home Food: From now on, become a new user of ZhangLe Global Pass through the link below and deposit HKD 20,000 or above, you can get an additional HKD 500 foodpanda electronic coupon code in addition to the newcomer's gift of up to 1,000 yuan!
2. Play at home: The first 100 users who use "Letou" to invest will enjoy a HK$150 AppStore & iTunes gift card!
3. Home shopping: 50 ZhangLe Global users with the highest accumulated investment amount using "Letou" can enjoy HK$2,000 HKTVmall e-shopping voucher and HK$1,000 foodpanda e-coupon code!
4. Home Investment: The first time you use "Letou" to invest up to the specified amount, you can enjoy up to a USD $100 cash coupon.
Not yet a ZhangLe Global Pass user?
Become a new user via the link below and fill out the event registration form to claim up to HK$5,000 in rewards!
Open an account now and receive HKD500 foodpanda e-coupon code for a limited time: https://m.zhangleglobal.com/views/new-customer-gift-fanti/index.htm?branch=HTFH-8126802310&bd=664236ea717234109721b538df68bad62700b05e8b7806461b0ac1662
Click here to go to the official Facebook page of "ZhangLe Global Pass" to learn more.
#Source: AQUMON, the above results are the back-tested return performance of the aggressive high-volatility portfolio from November 30, 2016 to November 30, 2021. The return is calculated by AQUMON based on the management fees disclosed by the fund company after deducting management fees. .
*Promotions are subject to relevant terms and conditions.
The above information is for reference only.
Investing involves risk.
(Information and photos provided by customers)