根据最新的市场预期和经济数据,美联储的货币政策走向存在一定的不确定性。此前,市场预期美联储将在2025年降息两次,每次25个基点。然而,近期的经济指标显示通胀仍具韧性,部分机构开始讨论美联储可能维持利率不变,甚至存在加息的可能性。
在此背景下,如果您计划在未来1-2年内使用手头资金,例如购房或其他短期需求,建议在投资时坚持以下两项原则:
在满足上述条件的前提下,您可以考虑定期存款、货币基金、分红基金等投资产品,以兼顾安全性和灵活性。
是一种低风险的储蓄方式,适合追求保本和固定利息的投资者。
适合人群:
是一种低风险、高流动性的投资工具,主要投资于短期债券、商业票据和银行存款等短期工具,适合追求安全性和灵活性的投资者。
是一种以定期分红为特点的投资工具,适合追求长期资本增值和定期收益的投资者。这就像投资金融房产,买了一套出租房子,每月稳定收租金。
适合人群:
功用/特点 | 分红基金 | 定期存款 | 货币基金 |
---|---|---|---|
风险 | 中等至高,受市场波动影响 | 低,无市场风险 | 低,受利率变化影响 |
回报 | 较高(视投资表现,不固定) | 较低(固定利率) | 低至中等(浮动收益) |
收益频率 | 视基金设定(每月/每季等) | 到期一次性支付利息 | 随时计算收益,可定期支付 |
资金流动性 | 视基金流动性而定 | 低(提前提取可能罚息) | 高(随时取现,无罚息) |
适用场景 | 中期投资、对抗通胀 | 短期储蓄、资金暂存 | 短期备用金、灵活储蓄 |
最重要是看您个人的财务目标和和风险承受能力,将两者结合,打造多元化的财务规划!
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Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek independent financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.
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根据《个人数据保护法》,鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料(例如姓名,证件号码,联系电话,邮寄地址,电邮地址和照片)。 该政策可在本公司网站上查寻,网址为 https://fa.com.sg/data-protection-policy/.
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