理财经理销售垫板

单击此处编辑母版标题样式,单击此处编辑母版文本样式,第二级,第三级,第四级,第五级,*,Copyright 2021 WMICHINA.All Rights Reserved.,理财销售垫板,Financial,Sales,Plate,1,物价上涨,(,膨胀率,),年,0%,1%,3%,5%,7.5%,10%,0,100,100,100,100,100,100,3,100,97,91,86,79,73,6,100,94,83,74,63,53,9,100,91,76,63,50,39,12,100,89,69,54,39,28,15,100,86,63,46,31,21,18,100,83,58,40,25,15,21,100,81,53,34,19,11,24,100,79,48,29,15,8,27,100,76,44,25,12,6,30,100,74,40,21,10,4,35,100,70,34,17,7,3,我们为什么要理财？,通货膨胀就在身边,100块钱的价值是不变的吗？,Copyright 2021 WMICHINA.All Rights Reserved.,1978年的30块钱能购置,1998年的30块钱能购置,2021年的30块钱能购置,2021年的30块钱能购置,99,斤大米、,12,斤猪肉和,10,斤,食用油,11,斤大米、,2,斤猪肉和,2.6,斤,食用油,4,斤大米、,0.5,斤猪肉和,1,斤,食用油,？,2,1990,年,2000,年,2009,年,年均增长,全国房产平均单价,316,元,1428,元,4716,元,14.47%,大学教育费用,198,元,3595,元,7250,元,22.30%,医疗费,/,人,10.90,元,85.80,元,146,元,15.67%,20,年养老费用,5,万元,31,万元,48,万元,11.97%,投入,1,万元,1990,年,2000,年,2009,年,增长速度,活期存款,1,万元,1.18,万元,1.31,万元,1.41%,1,年定期存款,1,万元,1.30,万元,1.61,万元,2.42%,A,股指数,1,万元,21.13,万元,33.18,万元,20.24%,￥,480,000,￥,310,000,￥,50,00 0,￥,4,716,￥,1,428,￥,316,增长,22.30%,增长,69%,增长,15.67%,增长,11.97%,唯有投资追得上支出,*信息来源：上海证券交易所,Copyright 2021 WMICHINA.All Rights Reserved.,我们如何理财？,*信息来源：国家统计局,医疗费,/,人,￥,10.90,￥,85.80,￥,146.00,￥,0,￥,160,￥,140,￥,120,￥,100,￥,80,￥,60,￥,40,￥,20,1990,年,2000,年,2021年,全国房产平均单价,￥,500,￥,0,￥,5,000,￥,4,500,￥,4,000,￥,3,500,￥,3,000,￥,2,500,￥,2,000,￥,1,500,￥,1,000,1990,年,2000,年,2021年,大学教育费用,￥,3,595,￥,7,250,￥,1,000,￥,0,￥,8,000,￥,7,000,￥,6,000,￥,5,000,￥,4,000,￥,3,000,￥,2,000,￥,198,1990,年,2000,年,2021年,20,年养老费用,￥,0,￥,600,000,￥,500,000,￥,400,000,￥,300,000,￥,200,000,￥,100,000,1990,年,2000,年,2021年,3,长期投资降低投资风险,通常我们称一年以下的投资为短期投资，三到五年的为中期投资，五年到十年以上的为长期投资。,以中国A股市场上证指数收益率为例，如以下图：,赚钱几率,赔钱几率,图：中国A股市场上证指数收益率1991-2005,Copyright 2021 WMICHINA.All Rights Reserved.,投资一年，赚钱,与赔钱的几率几,乎是各一半,投资时间延长至,三年，赚钱的,几率开始增大到,62%,，赔钱的几,率只有,38%,投资时间延长至,六年，赚钱的几,率到达90%，赔,钱的几率只剩,10%,投资时间延长至,九年，赔钱几率,几乎就是,0,4,年 份,定期,（一年期）,国债,（三年期）,上证综指,股票基金平均收益,最佳基金收益,2003,1.98%,2.32%,11.10%,18%,35.78%,（博时价值增长）,2004,2.25%,3.37%,-14.70%,7.50%,16.30%,（泰达宏利成长）,2005,2.25%,3.37%,-41.80%,2.12%,18.05%,（广发稳健增长）,2006,2.52%,3.44%,130.01%,108.41%,175.84%,（景顺长城内需增长）,2007,2.79%,3.66%,92.86%,120.39%,212.81%,（华夏大盘）,2008,3.87%,5.74%,-65.06%,-49.24%,11.68%,（中信稳定双利）,2009,2.52%,3.73%,79.98%,70%,109.77%,（银华核心价值优选）,2010,2.25%,3.73%,-16.12%,19.80%,38.10%,（华商盛世成长）,平均年收益率,2.55%,3.63%,22%,37.12%,77.29%,基金平均表现,基金理财的收益回忆,专家理财，优势明显,2007年假设干次市场大跌中基金的表现,-7,-8,-9,-10,基金公司无疑将“专家理财的特性发挥得淋漓尽致。基金公司的专业性主要表达在基金公司的研究团队上，在市场,上涨过程中，通过积极挑选行业和股票，实现优秀的市场业绩；在市场下跌过程中，控制好仓位，做好防御型投资，尽量,减少投资者的损失。,Copyright 2021 WMICHINA.All Rights Reserved.,-2,-3,-4,-5,-6,0,-1,1,月,31,日,2,月,2,日,2,月,27,日,4,月,19,日,5,月,30,日,6,月,4,日,沪市股票表现,沪市,深市股票表现,深,市,基金平均,5,投资总额,投资总额,12,000,总申购单位数,16948,平均成本,0.733,最后总,平均成本,值,16100.6,0.733,净收益,最后总值,4100.6,报酬率,34.17%,均本钱,1.2,每月投资额,1,000,元,总,申购单位数,1,0,446,1.2,总,1.188,平,最后总值,1.2,1.6,1.55,1.5,1.45,1.4,1.4,1.35,1.45,1.25,689.7,1.2,645.2,1,15,669.68,淨,净收益,3,669.68,1.3,1.25,1,30.58%,12,000,12,000,投资总额,净收益,0.65,投资总额,0.75,1250.0,1333.3,0.8,0.8,1538.5,0.8,0.8,0.95,0.95,1,數,800.0,0.75,1250.0,1333.3,位,月投资额,1,000,元,投,1,000,單,0.8,1428.6,0.75,1250.0,每月投资额,1,000,元,1280.0,880.0,680.0,1.25,Copyright 2021 WMICHINA.All Rights Reserved.,优势所在,基金定投,持续上涨：,买入获利,震荡反复：,摊低本钱,持续下跌：,分散风险,涨跌皆获利,1000.0,800.0,666.7,1,952.4,909.1,869.6,833.3,1.15,1.1,1.05,769.2,1.3,740.7 714.3,-100.0,300.0,900.0,700.0,500.0,1100.0,1,2,3,4,5,8,9,10,11,12,6 7,月份,單,位,數,0,0.4,100.0,0.2,0.6,0.8,1.8,淨,值,【,市场持续上升,】,投资总额,12,000,总申购单位数,平均本钱,最后总值,净收益,报酬率,9590,1.275,14,864.5,2864.5,23.87%,每月投资额,1,000,元,1250.0,833.3,1000.0,1,-20.0,80.0,380.0,280.0,180.0,1280.0,1180.0,1080.0,980.0,880.0,780.0,680.0,580.0,480.0,1,2,3,4,5,6,7,8,9,10,11,12,月份,單,位,數,0,】,1111.1,1000.0,1,0.9,1250.0,1.25,800.0,0.8,1111.1,1.35,952.4,833.3,1.05 0.9,740.7,952.4,800.0,1.05,833.3,1.35,740.7,689.7,1.45,1.3,1.2,833.3,769.2,689.7,800.0,769.2,1.5,1.25,800.0,666.7,1.6,1.5,1.4,1.2,666.7,0.8,0.6,180.0,80.0,-20.0,1,2,3,4,5,8,9,10,11,0.4,12,0.2,6 7,月份,單,位,1180.0,1080.0,980.0,1.2,780.0,數,580.0,0.8,480.0,380.0,280.0,0.2,0,月,平均本钱 1.188,1 最后总值 15,669.68,净,3,669.68,收益,1.6,1.4,申购单位数,1.2,报酬率,0.8,值,淨,报酬,率,0.6,值,0.4,【,市场起落不,场,起落不定，最后处于较高位置,16100.6,4100.6,34.17%,2000.0,1,1000.0,-200.0,300.0,1800.0,1300.0,800.0,2300.0,1,2,3,4,5,6,7,8,9,10,11,12,月份,單,位,數,0,【,市场下跌，,，最后处于,低水,位或持平,】,月投,投 额,每,每月,资额,资,1,000,1,000,元,2000.0,1666.7 1666.7,1,1666.7,1333.3,1000.0,0.7,0.6,0.8,1538.5,1666.7,0.65,1052.6,0.7,0.5,1428.6 1428.6,0.7 1428.6 0.7,0.5,1333.3,0.75,1250.0,1052.6,-200.0,1800.0,1300.0,300.0,2300.0,1,2,3,4,5,8,9,10,11,12,6 7,月份,0,0.2,1,0.6 0.6,0.6,0.6,0.6,0.4,0.2,0.4,1.2,1.2,淨,值,淨,值,报酬率,场下,后处,最后 于低水位或持跌，处,6,