On September 13, the 2nd Yangtze River Delta High-level Dialogue on Financial Technology and the Cisco Lujiazui Summit of Xinhuanet were held in Shanghai. Liu Shangxi, Dean of China Academy of Fiscal Science, Zhang Jun, Dean of School of Economics of Fudan University and Director of China Center for Economic Research of Fudan University, and many other big businessmen in the financial field not only shared many unique opinions in the macro field, but also answered many grounded questions. "If I gave you 1 10,000 dollars, how would you manage your finances?" Let's take a look at their wonderful ideas about financial management.

"I will buy a house."

If I were from Shanghai, I would still buy a house. Steady financial management is more in line with my idea. Financial management is not about putting money in the bank. You can buy a fund or entrust others to do other financial management. All these can be done. Although it has been tightened a little now, banks also have good wealth management products.

I have always thought that China people have more opportunities to invest in financial management than Americans. I don't know why people always say that we have fewer financial opportunities than others. In fact, Americans just put their money in their pensions, and there is no other way to manage their money.

—— Zhang Jun (Dean of School of Economics, Fudan University, Director of China Center for Economic Research)

"Different personal preferences make different choices"

I want to answer this question on behalf of the individual. It's really hard to gamble where to invest, and there are great risks everywhere. This is a short-term and long-term risk management problem.

At present, Shanghai real estate may be ok, but not in third-and fourth-tier cities.

Now the stock market is in good condition, the real economy is improving, and it will be ok in the short term. In the long run, the stock market should develop with the development of the real economy, but there are also risk management problems in the capital market.

The simplest one is to put it in the bank agreement deposit, which is low in operating cost and convenient, but the yield is relatively low. So financial management depends on your preferences. If you pursue high risk and high return, there are various combinations. If you just want to hedge your value, you can also choose the way of bank agreement deposit.

—— Liu Shangxi (President of China Academy of Fiscal Science)

"Income and liquidity"

Personally, I have to make a self-risk assessment when making any investment.

After self-assessment, I feel that my risk preference is stable and I can take certain risks. First, there needs to be some income; Second, the liquidity is better. I am more concerned about stocks, funds and other relatively liquid investments. Then slowly observe and wait for better investment opportunities.

—— Zhang Jingwen (Vice President of UnionPay Business)

"Real estate 30%, stock 30%"

This question is actually quite simple. I think real estate accounts for about 30%, stocks account for 30%, and hedging and global allocation account for about 15%.

-Yu Shao (chief economist of orient securities)

"Preference for risky stocks"

I think we should look at it from two aspects, on the one hand, personal risk preference, on the other hand, we should also pay attention to our own configuration. In configuration, on the one hand, we should pay attention to risks, on the other hand, we should pay attention to liquidity. If there is $654.38+00,000, I will guarantee a certain liquidity first. On the premise of ensuring liquidity, I will do more real estate investment in China, and there will not be such a large investment scale in the world.

My personal risk preference is relatively high. I will invest more in stocks, such as equity in the primary market. Liquidity may be worse, but the return will be higher.

It is estimated that most people buy houses.

—— Cao Xiaofeng (Chairman of Migang Finance)