hello, friend!
I'm glad to answer your question. It's a very good idea to invest and manage money. If you want everything to go up quickly, your salary will go up slowly. How can you invest and manage money in the information age of 211? As far as I know, investment can be physical investment and capital market. (For personal finance, first of all, you should set your financial goals, which should be quantified and limited. For example, you have a two-year limit. What do you want to do? Buying a house? Buy a car? Or just earn travel expenses?
Secondly, risks and benefits are equal. It can only be said that you can realize the ideal benefits when risks are controllable. You can invest in capital, stocks, funds, spot, futures, insurance and artworks. At the same time, you should learn more about communication, so that you can realize the fun of investment and the return of funds while increasing your knowledge.
In fact, these investment channels are also very simple.)
Physical goods, such as buying and selling goods in small stalls, and other physical investments, are low in investment cost and low in risk, which can be considered.
Capital markets such as stock futures spot securities funds, etc.
Stock-advantages: T+1 trading, with market value (unless the listed company goes bankrupt), suitable for single-track, 1% margin quilt cover can take time to wait, suitable for middle-line people
Disadvantages: the market is too big to appear on the same day, and it is badly washed and shaken, which limits the effective use of funds; You can only go up and not down, which limits the direction of trading, and stops the risk by 1%.
Futures-Advantages: T+ trading, two-way trading, both ups and downs can be done, unlimited times of entry and exit on the same day, 1%-1% margin, capital amplification, that is, the risk is also amplified by 1 times compared with stocks.
Disadvantages: the risk control is weak, the game played with large funds is not suitable for small and medium-sized funds (my friend earns 7, yuan a day and loses 1 million yuan a week), and there is an explosion of positions, which may lead to a loss of money and is not recommended.
The starting point is relatively high, and the approval procedures for 5, cases are complicated, so it is necessary to provide various procedures.
Spot-advantages: T+ trading, two-way trading, both ups and downs can be done, and you can appear on the same day, with no limit on the number of transactions on the same day, 2% margin system (higher than futures, that is, to ensure the safety of shareholders' funds, without being quilted, and the amount of funds put is less than futures), and the ups and downs will stop 7. (personally, the investment value is greater than that of stocks), which is not suitable for large funds (of course, there is no such problem for skilled workers, because they can hedge)
Securities include many, oh, different risks make different profits;
All in all, the advantages are: commercial banks make profits by investing in securities, or keep short-term liquidity. For example, commercial banks buy government bonds to keep the liquidity of funds, which can be realized at any time to meet the needs of depositors' withdrawals and lenders' loans. At present, China stipulates that commercial banks are not allowed to invest in equity.
The disadvantage is the risk. If their liquidity cannot be guaranteed, the capital chain will be broken; There is no cost to get information, and all participants in the transaction can get information that affects the price change at the same time.
Fund-He is as risky as stocks, troublesome to operate, and vulnerable to the influence of news. It is generally not recommended to operate
Fund fixed investment-the purpose of fund fixed investment is to let investors avoid the trouble of timing, and you can make fixed investment at any time. It is good to invest in Huaxia, Jiashi or Industrial Fund Company. The rate of return can only be seen in the long run. The annual rate of return of these funds has exceeded 2% in the past five years. Fixed investment means long-term investment, and short-term rate of return is meaningless.
regarding the fixed investment of the fund, whether it is high-risk and high-return, or whether it is stable and profitable. The former buys stock funds, and the latter buys bond or monetary funds. After determining the types of funds, the selection of funds can be based on fund performance, fund manager, fund size, fund investment direction preference, fund charging standards and so on. Fund performance is ranked online. Steady stock funds can choose index or ETF. It is best to choose back-end payment for fixed investment, and index funds with the same target should choose low management fees and custody fees. I'm afraid I won't make specific recommendations. Only the feet know whether the shoes are good or not.
Generally speaking, there are two ways to invest in open-end funds, single investment and regular quota. The so-called "fixed investment" of the fund means that investors invest a fixed amount (such as 1 yuan) in the designated open-end fund at a fixed time every month (such as the 1th day of each month), which is similar to the bank's zero deposit and withdrawal method. Because of the low starting point and simple method of the fund's "fixed investment", it is also called "small investment plan" or "lazy financial management"
The fixed-term investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price on dips and decreasing the price on dips, and can always get a relatively low average cost no matter how the market price changes. Therefore, regular fixed investment can smooth out the peaks and valleys of the fund's net value and eliminate market volatility. As long as the selected funds have overall growth, investors will get a relatively average income, and they don't have to worry about the timing of entering the market.
according to your friend's situation, I suggest that you make a spot stock, which is not limited to investment funds and suitable for everyone to operate. In addition, there is a night plate, which is also suitable for office workers who are tired. His service fee is low, unlike the stock market, which has much news from the outside world. He relies on technology and experience, and has professional guidance. As long as he is not greedy, slow and steady, he will get a small return every day. In view of your friends' situation, you must want to invest in an industry with low risk, low profit and moderate profit. This industry is good and worth considering.