Group 1: Gold Investment - Gold prices have experienced significant fluctuations, with a notable increase during geopolitical tensions, such as a 12% rise during the escalation of the Russia-Ukraine conflict in 2024 [3] - The selling of physical gold can be challenging, as banks typically do not buy back gold bars, and gold shops offer significantly lower buyback prices compared to market value [3] - Investors should be cautious about blindly chasing gold prices, as high entry points can lead to long-term losses [3] Group 2: Real Estate Investment - Average housing prices have dropped by 30% compared to 2021, leading some to believe it is a good time to buy [5] - Despite the price drop, there are still bubbles in certain markets, such as Shanghai and Shenzhen, where the price-to-income ratio is as high as 40, indicating potential for further declines [5][7] - The demand for investment properties has decreased significantly, with many investors either selling or holding cash, suggesting that now may not be the best time for real estate investment [7] Group 3: Bank Deposits - Major banks have significantly reduced deposit interest rates since 2024, leading to lower returns for savers [7] - The purchasing power of savings is declining due to rising prices, making bank deposits less attractive compared to other investment options [7] - While bank deposits may result in slow asset depreciation, they are considered less risky compared to investments in gold and real estate [9] Group 4: Diversified Asset Allocation - A diversified asset allocation strategy is recommended to mitigate risks and enhance wealth preservation over the next five years [9] - An example of diversification includes splitting funds into three parts: one-third in low-risk investments like government bonds, another third in low-risk products like structured deposits, and the final third in medium-risk investments like mixed funds [9]

Group 1 - Sensor Unlimited is part of the investing group Envision Early Retirement, which focuses on generating high income and growth with isolated risks through dynamic asset allocation [2] - The group offers two model portfolios: one for short-term survival/withdrawal and another for aggressive long-term growth, along with direct access for discussions, monthly updates, tax discussions, and ticker critiques [2] - Sensor Unlimited has a PhD in financial economics and has spent the last decade covering the mortgage market, commercial market, and banking industry, with a focus on asset allocation and ETFs related to various sectors [3] Group 2 - The article emphasizes that past performance is not indicative of future results and does not provide specific investment recommendations [5]

Market Overview - The bond market continued its warm trend on April 28, with most government bond futures rising and interbank bond yields declining by approximately 1 basis point [1] - The central bank conducted a net injection of 103 billion yuan in the open market, indicating sufficient liquidity before the end of the month [1][5] - Analysts suggest that with a weakening fundamental outlook and increasingly accommodative monetary policy, there is potential for yields to break lower in the future [1] Bond Futures Performance - The closing prices for government bond futures showed an increase in the 30-year main contract by 0.30% to 120.180, while the 10-year main contract rose by 0.03% to 108.840 [2] - The yields on major interbank bonds also saw slight declines, with the 10-year government bond yield dropping by 0.85 basis points to 1.649% [2] International Bond Market - In North America, U.S. Treasury yields fell across the board, with the 2-year yield down by 5.94 basis points to 3.7377% [3] - In Asia, Japanese bond yields mostly retreated, with the 10-year yield decreasing by 1.5 basis points to 1.32% [3] - In the Eurozone, yields on 10-year bonds showed an increase, with French bonds rising by 2.2 basis points to 3.185% [3] Primary Market Activity - The results of the Tianjin local bond auction showed strong demand, with bid-to-cover ratios exceeding 19 times for all issues [4] - The 7-year bond "25 Tianjin Bond 22" had a winning rate of 1.80% and a bid-to-cover ratio of 19.25 [4] Liquidity and Monetary Policy - The central bank announced a 2.79 billion yuan reverse repurchase operation at a fixed rate of 1.50%, resulting in a net injection of 103 billion yuan for the day [5] - The deputy governor of the central bank indicated that adjustments to reserve requirements and interest rates would be made as necessary to maintain ample liquidity [6][7] Institutional Insights - Citic Securities noted a decline in overnight funding rates, suggesting that the rates should remain slightly below policy rates to support growth and credit expansion [8] - Huatai Fixed Income emphasized that the current fundamentals favor the bond market, recommending a buy-on-dips strategy [8] - Guosheng Fixed Income indicated that while the bond market may experience fluctuations, a downward breakthrough is more likely, with long bonds offering better value [8]

Building Supply Chain Resilience: Insights into Greening Value Chains for ASEAN A Collective Intelligence Playbook 2 Building Supply Chain Resilience: Insights into Greening Value Chains for ASEAN Bank Negara Malaysia (BNM) is a statutory body, established in 1959 to oversee Malaysia's monetary and financial stability. Governed by the Central Bank of Malaysia Act 2009, BNM is responsible for formulating monetary policy, issuing currency, managing international reserves, and promoting a sound progressive fin ...

日常设施的适老化改造主要指住宅和公共设施的适老化及无障碍改造，它能够提高老年人的居住和出行 的便利性，降低多种安全隐患，增强老年人的自理能力，提升生活幸福感。同时，能够减少家庭成员和 社会整体的护理负担，推动建设老龄友好型社会。 金融部门能够为日常设施的适老化解决资金短缺问题，降低改造风险成本，促进相关事业和产业发展。 这是金融部门做好养老金融大文章、支持中国式养老事业和银发经济发展的重要内容。 金融支持日常设施适老化改造的已有成绩 (一)政策体系逐步完善。我国有关日常设施适老化改造的政策文件至少可追溯到1999年10月实施的《老 年人居住建筑设计规范》，其中提出了"改善老年人的居住条件"的总体目标。2012年12月修订通过的 《中华人民共和国老年人权益保障法》为适老化居住环境建设提供了法律保障。随后，多个政策文件出 台，引导金融资源支持日常设施的适老化改造。2015年8月，国务院发布《基本养老保险基金投资管理 办法》，通过引导和规范基本养老保险基金的投资行为，为适老化设施改造提供了稳定的资金来源，并 构建了投资风险监管机制。2016年11月，全国老龄办等25部门联合发布《关于推进老年宜居环境建设的 指导意见 ...

Join for a 100% Risk-Free trial and see if our proven method can help you too. You do not need to pay for the costly lessons from the market itself.Sensor Unlimited contributes to the investing group Envision Early Retirement which is led by Sensor Unlimited. They offer proven solutions to generate both high income and high growth with isolated risks through dynamic asset allocation. Features include: two model portfolios - one for short-term survival/withdrawal and one for aggressive long-term growth, dire ...

Join for a 100% Risk-Free trial and see if our proven method can help you too. You do not need to pay for the costly lessons from the market itself.I last covered Dow Inc. (NYSE: DOW ) stock back in Feb 2025. The details of that article are summarized in the screenshot below. As a brief recap, the goal of thatSensor Unlimited contributes to the investing group Envision Early Retirement which is led by Sensor Unlimited. They offer proven solutions to generate both high income and high growth with isolated ri ...

It isn't every day -- or every year, even -- that a high-profile credit card business comes up for grabs. Yet that's the situation now with Apple's (AAPL 1.84%) namesake Apple Card. The tech giant is jettisoning the product's current issuer, a change that also might result in a switch of the network operator facilitating the card's transactions.The stakes in this battle could be high. A great many Apple Card holders are also Apple device owners, meaning that at first blush, anyway, they comprise a relativel ...

I publish my best ideas and top coverage on the Growth Stock Forum . If you're interested in finding great growth stocks, with a focus on biotech, consider signing up. We focus on attractive risk/reward situations and track each of our portfolio and watchlist stocks closely. To receive e-mail notifications for my public articles and blogs, please click the follow button . And to go deeper, sign up to Growth Stock Forum. This article reflects the author's opinion and should not be regarded as a buy or sell r ...

49 AD CENTRAL BANKS 100 (4) O 32 le 2010R 24 1075 P D 0 Share 40 AD CENTRAL BANKS 0 e el 92 e 2010R UNIT 3 r B P Disclaimer: The views expressed in this article are those of the author and may not reflect those of Kitco Metals Inc. The author has made every effort to ensure accuracy of information provided; however, neither Kitco Metals Inc. nor the author can guarantee such accuracy. This article is strictly for informational purposes only. It is not a solicitation to make any exchange in commodities, secu ...