Text / Tan Xiaozhang
Xiao Yan has seen a hot post on Zhihu:
Is a code farmer with an annual salary of 300,000 as good as a civil servant of the General Office of a Provincial Party Committee?
The most liked comment below is this:
As long as my head is still awake, I don't think programmers are better than civil servants of the Provincial Party Committee. Because if he enters on his own account, I will certainly be ashamed; if he enters on the basis of relationship, he will not be able to mess with it.
Xiao Yan often listens to the older generation's thoughts and finds that in their eyes, the concept is indeed different from young people: even if you are outside the system, even a monthly salary of 30,000 is more than a civil servant with a monthly salary of 5,000, because people are not only stable, but also have a high status Bel has face.
Xiaoyan was whimpering today, checked the data, and found that as of the end of 2015, there were more than 7 million civil servants in the country ...
However, this large group of special people with stable income and high social status, but "less earned", including even doctors, teachers, and employees in the banking system. Their asset allocation is completely different from ordinary white-collar workers.
What should I do?
Let's review the asset allocation first.
Asset allocation is a combination of assets with low correlation. For example, the national debt risk is relatively low, but the returns are also low; the stock risks are relatively high, and the returns are also high in a certain period of time. The allocation of stocks and bonds according to a certain ratio is asset allocation.
In terms of configuration ratios, the age structure is generally considered.
The young man is rich in wealth and has a strong ability to withstand risks. In terms of asset allocation, he can tilt to high-risk products and win a high-yield opportunity. Even if it is lost, there will be opportunities and time to earn it again in the future.
However, middle-aged or elderly people can be safe and stable, and rarely touch up and down financial stimulation products.
Xiaoyan replaced the age structure with labor, and the same principle applies.
Stable work and stable cash inflow, just like a strong guy with strong risk- bearing ability. It is also easier to resurrect after the failure of investment. It is a resurgence. From a financial perspective, it is equivalent to a bond;
The job is unstable. This month you will earn 20,000 a month. Next month, you may have to cover up people. If you fail to invest, the family may not have any food; they are like stocks and the risk is very high.
Today Xiaoyan is talking about civil servants. They are not only bonds, but also a high-quality bond. The one with a rating above AAA is stable and has a high safety factor. Especially in the eyes of your future mother-in-law, it is a high-quality bond worthy of long-term investment.
Why do civil servants have bond attributes?
Because the stability of civil servants is very high, it is an iron rice bowl that cannot be thundered. According to the Civil Service Law of 2011, of the more than 6 million civil servants across the country, 4778 have been fired in a total of 5 years, with an average annual dismissal rate of only 0.016%.
You think, a post robbed by sixty or seventy people, or even a popular post by more than 2,000 people, thousands of troops across the wooden bridge. An offer that can be won by squeezing your head will naturally not let you get off easily.
Since civil servants are high-quality bonds, they are a ballast stone. When doing asset allocation, you can increase high-risk investments such as stocks and gain higher returns.
So how much should high-risk investment be allocated?
In the asset allocation, there is an "80 law", that is, the proportion of high-risk investment depends on the age of the investor.
The specific calculation is: a reasonable proportion of high-risk investment in total assets = (80-your age) * 100%.
For example, if you are 30 years old, the proportion of high-risk investment should be 50%.
According to this formula, a 30-year-old civil servant should also be equipped with 50% of high-risk products and 50% of low- and medium-risk products. But don't forget that civil servants are high-quality bonds themselves. If you still follow this formula, the proportion of low risk will be much greater.
Therefore, Xiao Yan suggested that the proportion of high-risk investment in civil servants can be increased by 10% on the basis of the "80 Law". In other words, the proportion of high-risk investments in 30-year-old civil servants should be 60%.
Xiao Yan also sorted out specific low-to-medium financial products for everyone:
Risk-free assets: bank deposits, fixed income certificates of securities companies;
Low risk assets: bank wealth management (the manager is the bank itself), currency funds, bonds, bond funds, etc .;
Medium risk assets: trust plans, asset management plans, stock funds, private equity funds, etc .;
High-risk assets: stocks, futures, equity investment funds, etc.
We buy high-risk products, and many choose stocks, but not many people can understand stocks in their spare time. To vote if you don't understand is tantamount to gambling. To invest in the stock market, you can buy stock funds, fixed investment index funds, allocate half of the high-risk investment to medium-risk products, and let professional fund managers take care of it for you.
However, products such as P2P, Bitcoin, and Gold Exchange are high-risk products, and they are alternative investment products that are vacant by managers. Once the risk is out, you can only recognize bad luck and don't touch it.