China's current investment and financial products include:

1. Real estate. Many people invest in real estate. One family buys n suites and waits for the appreciation. However, the current housing market in China is not very strong.

2. Bonds. Bonds include treasury bonds, financial bonds, and corporate bonds. This is lower risk than stocks, but the returns are also lower. You can choose compound interest. Treasury bonds are not available to many people. They are called "gilt-edged bonds" with good reputation, good interest rates and low risk. Financial bonds have relatively higher risks. Corporate bonds have the highest risks and highest returns, but of course they are not as good as stocks.

3. Stocks. Basically everyone knows something about this. China's stock market has dropped from more than 6,000 in 2008 to more than 2,000 now, and the economy is growing but the stock price is not rising. The stock of such a great company as PetroChina is also not good. Buffett recently made a gorgeous exit from PetroChina after making 3.5 billion US dollars. . It seems there is no future. Some people say that China's stock market is very similar to Japan's. It will never reach a high point again and will only hover around 3,000. Maybe it has something to do with the powerful power of the Chinese government. It is also related to the Chinese people’s mentality of following the herd and fearing trouble.

4. Precious metals. This has become quite popular in recent years. "Buy gold in troubled times". In the face of the financial crisis, the European debt crisis, too many unstable factors in the world, and China's severe inflation, many people are turning to gold, a material that is universal and has stable value. Currently, banks have many gold products, such as gold bars, paper gold, and gold T+D. Many people also make overseas gold through some channels, but they are likely to encounter black platforms, and their money will be stolen by the companies that operate the platforms. China currently has three nationally recognized gold trading institutions: Shanghai Gold Exchange, Shanghai Futures Exchange, and Tianjin Precious Metals Exchange. Currently, China's hot spot is speculating on silver, which requires relatively little investment, while gold requires more funds.

5. Insurance. Insurance companies are now also launching a lot of financial insurance, with an expected return rate of around 6%, but the actual rate may be only 3% or less. Investment-linked insurance appeared relatively late in China, and many of it is imperfect.

6. Fund. Huaxia is doing better in China, but since most of them are stock funds, a bad stock market will also have a great impact on the fund's income. Now many fund companies may be in a state of loss.

7. Bank short-term financial products. This can last for several days, more than ten days, or several months. Nianhua’s estimated income is around 5%. But this is an "annualization". It is more suitable for companies or individuals with short-term large amounts of spare funds.

8. Trust. This is at least 1 million, and is also suitable for relatively wealthy people.

9. Collection of coin shareholders. This also has certain benefits, but it may take a long time and the benefits are not guaranteed.

10. Private lending. At present, there are some institutions that do private lending, and the income may be around 5%.

That’s all for now.