How do individuals invest in foreign exchange?

For beginners, you can first understand and learn the basic knowledge of foreign exchange, and then follow the relevant steps.

The relevant knowledge is as follows:

Such as quotation, inquiry, buying, selling, delivery and settlement of foreign exchange. Foreign exchange is an invisible market and a paperless market for computers. It is very important to learn the basics of foreign exchange.

Learn foreign exchange trading methods (real trading, virtual trading)

Foreign exchange transactions can be mainly divided into cash, spot, contract spot, futures, options and forward transactions. Specifically, cash transactions are transactions between tourists and people who need foreign exchange cash for other purposes, including cash and foreign exchange traveler's checks. Spot trading is a transaction between big banks, and it is also a transaction between big banks acting as agents for big customers. After the transaction is concluded, the payment and delivery of funds shall be completed within two working days at the latest; Contract spot trading is a way for investors to sign foreign exchange contracts with financial companies, which is suitable for public investment; Futures trading is conducted at the agreed time and at the established exchange rate, and the amount of each contract is fixed; Option trading is an option to trade in advance whether to buy or sell a certain currency in the future; Forward transactions are delivered on the date agreed in the contract, and the contract can be large or small, and the delivery period is flexible.

Starting from the basis of foreign exchange margin trading

Foreign exchange margin trading means that investors use the trust provided by banks or brokers to conduct foreign exchange transactions. It makes full use of the principle of leveraged investment, and it is a long-term foreign exchange transaction between financial institutions and between financial institutions and investors. In the transaction, investors only need to pay a certain margin to trade with a quota of 65,438+000%, so that those investors with small funds can also participate in foreign exchange transactions in the financial market. According to the level of foreign developed countries, the general financing ratio is maintained at more than 10-20 times. In other words, if the financing ratio is 20 times, investors can conduct foreign exchange transactions as long as they pay a deposit of about 5%. That is, investors only need to pay $5,000 to trade $65,438+$0,000,000.

Margin is a sincere margin, which gives investors the right to buy or sell investment products with priority contract value. For example, with a deposit of US$ 65,438+US$ 0,000, investors can get a loan for investment products worth US$ 65,438+US$ 0,000,000.

The concrete understanding of a simple example

For example, an investor wants to buy a real estate worth $65,438+0,000,000, but he only has $65,438+0,000,000 in available cash. He used the money as a deposit for real estate and borrowed the rest from the bank. Therefore, the customer actually owns $65,438+00,000, or 65,438+0% of the real estate, while the bank owns 99%. After one year, the value of the real estate is 10 10000 USD. If the customer pays all the purchase price with his own property, then his profit in this investment is 1%. However, because he only invested $65,438+$00,000, he actually doubled all his property. His investment of $65,438+00,000 in real estate has increased by $65,438+00,000, which means that he has made a profit of 65,438+000%.

More examples:

(1). Customer A has $4,000 in his account. A wants to buy and sell some foreign exchange products (taking spot crude oil as an example). The margin requirement for crude oil is $3,500 per share. After careful study, A thinks that the price of crude oil will rise. He bought one share at a unit price of $58.

(2) The account in this transaction works like this: the customer paid an initial deposit of $3,500 and an increased 500 yuan stable deposit. These two items add up to 4000 dollars. On the sixth day, the customer withdrew $65,438+0,500, and the net asset value after closing was $4,500. These two items total $6,000. Therefore, the customer made a profit of $2,000 ($6,000 minus $4,000) through his efforts.

(3) In the whole process of this transaction, any funds that only exceed the required minimum margin level are free and can be withdrawn or used for other purposes. This is an important feature of margin trading.

(4) A quick way to calculate customers' profits is to compare the opening price and closing price of crude oil contracts. Customers buy crude oil at a price of $58 and sell it at a price of $59. The bid-ask spread is $65,438 +0, or the profit is 100. At $20 per point, it earned $2,000.

Foreign exchange investment (foreign exchange speculation) is an advanced course. Beginners can start with the following steps:

Step 1: Basic knowledge of foreign exchange (foreign exchange overview, foreign exchange rate and pricing method, foreign exchange rate, main products and symbols, foreign exchange market characteristics, etc. )

1. Foreign exchange market participants

2. Reasons for participating in foreign exchange transactions

3. Major foreign exchange markets in the world

4. foreign exchange trading hours

5. Foreign exchange trading methods

6. Characteristics of foreign exchange transactions

7. The development of China's foreign exchange trading market (reasons for choosing foreign exchange trading, comparison table of foreign exchange and stock and futures investment, etc.). )

Step 2: Foreign exchange account opening transaction (foreign exchange transaction basis)

1. Basis of foreign exchange margin trading

2. Disk type

3. Understand the account statement

Learn to choose foreign exchange dealers correctly.

1. Capital security

2. Trading software

3. Transaction costs

4. Brokerage role

The reason for choosing this foreign exchange dealer.

Account opening transaction

Spread and profit description