Asset allocation of digital currency
bond funds are mainly invested in fixed income financial instruments such as treasury bonds and financial bonds, which are also called "fixed income funds" because their investment procts yield relatively stable returns
according to the proportion of investment in stocks, bond funds can be divided into pure bond funds and partial bond funds. The difference between the two is that pure debt funds do not invest in stocks, while partial debt funds can invest in a small number of stocks. The advantage of partial debt fund is that it can allocate assets flexibly according to the trend of stock market, and share the opportunities brought by stock market under the condition of risk control
generally speaking, bond funds do not charge subscription or subscription fees, and the redemption rate is also low
monetary fund is an open-end fund. According to the types of financial procts invested by the open-end fund, people divide the open-end fund into four basic types: Equity Fund, hybrid fund, bond fund and Monetary Fund. The first two types belong to the capital market, and the latter is the money market
monetary funds mainly invest in bonds, central bank bills, repurchase and other highly secure short-term financial procts, also known as "quasi savings procts", whose main characteristics are "worry free principal, convenient demand, regular income, daily income, monthly dividend"
monetary funds only invest in the money market, such as short-term treasury bonds, repo, central bank bills, bank deposits and so on, with little risk. Its liquidity is second only to the bank's current savings, and its income is calculated every day. Generally, the income is carried forward into fund shares in a month, and the income is slightly higher than that of a year's fixed deposit, and the interest is tax-free. The principal of monetary fund is relatively safe, and the expected annual yield is 3.9%. It is suitable for liquid investment tools and is an alternative to savings.
Digital currency is abbreviated as digiccy, which is the abbreviation of "digital currency" in English. It is an alternative currency in the form of electronic currency. Both digital gold coin and cryptocurrency belong to digiccy
digital currency is different from the virtual currency in the virtual world, because it can be used for real goods and services transactions, not limited to online games. The early digital currency (digital gold currency) is a form of electronic currency named after the weight of gold. Today's digital currency, such as bitcoin, lightcoin and ppcoin, is an electronic currency created, issued and circulated by check sum cryptography. It is characterized by the use of P2P peer-to-peer network technology to issue, manage and circulate currency. In theory, it avoids bureaucratic examination and approval, so that everyone has the right to issue currency
Compared with paper money, digital money has obvious advantages, which can not only save the cost of issuance and circulation, but also improve the efficiency of transaction or investment, and enhance the convenience and transparency of economic transaction activities. The issue of digital currency by the central bank also ensures the continuity of financial policy and the integrity of monetary policy, and also ensures the security of monetary transactionsalthough the issuing method of digital currency is still under study, paper currency has been regarded as "the currency of the previous generation" by some professionals, and it is the general trend to be replaced by new technology and new procts. Due to China's large population and volume, the timetable for issuing digital currency is still uncertain. It is predicted that digital currency and cash will be in parallel and graally replaced for quite a long time. When the era of digital currency really comes, people will carry less and less cash, travel more and more safe, poverty alleviation more and more accurate, corruption more and more difficult to escape, and thieves more and more difficult
extended information:
in November 2016, the central bank prepared digital currency, and the cash is likely not to exist in ten years
in November 2016, China digital currency Research Institute was established to cultivate high-level talents of digital currency, carry out digital currency research, consultation, development planning and related activities. It is a non-profit unit with legal license approved by relevant ministries and commissions, and is committed to promoting the integrated development of scientific research and Practice of digital currency instry
so far, Hangzhou, Shenzhen and Guizhou have become the three hot areas for the central bank's digital currency pilot. It is reported that Hangzhou is actively promoting the planning and construction of Qiantang River financial harbor, including the blockchain instry. Hangzhou will build the first blockchain Instrial Park in China, which is located in the Internet Finance town of Xihu District, surrounded by ant financial services, e-commerce bank, Zhejiang University and its science and Technology Park and other well-known enterprises and parks
Any investment market, stock, fund, digital currency, in the long run, the trend is rising,
asset allocation
if you invest all your money in digital currency, you are not willing to sell in a bull market, because you don't earn enough, even if you are 10 times, because you want to be 20, 30, 50100 times,
suddenly turn into a bear market, and you are not willing to sell in the beginning, To the contrary, if you make 10 times the profit, it will go up
but you don't know that when the bear market comes, it will keep falling, and eventually it will drop to 50% of your principal loss.
at this time, you know that as long as you insist, the bull market will come back.
many coins fall below the issue price, which is too cheap. You want to buy them, but you have no money.
after a few months, the bull market comes, but you have no money.
you watch it rise all the time, I regret that I knew I shouldn't have borrowed money to money at that time. If I had spare money, I would have money, and it would not affect my life, and I could enjoy the wealth growth brought by the bull market
in the coin circle, there are only BTC and other counterfeit coins
Why a digital currency is valuable is mainly measured by the following methods:
1. The market depth of a digital currency, such as bitcoin and Leyte, is very deep
2. The application scenarios of a kind of digital currency, for example, the digital currency on coin Ying China platform will correspond to the corresponding physical assets, which are regarded as the digital currency of assets
3. The social recognition of a digital currency, bitcoin has been widely recognized in the world
it is recommended that you do not speculate in currency. It is risky to speculate in currency. If you have to, you can choose a safe ( currency exchange digital currency trading platform), I used it before, and I feel it is good
the central bank does not recognize bitcoin as a digital currency,
it has high policy risk,
it is better not to participate in investment.