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What should I do with a small amount of spare money?
I personally have some suggestions for this spare money, but I think it is better to analyze the advantages and disadvantages of common investment and financial management methods with you. Let's make a comparison:

Fixed output:

1. The investment is huge, and loans are generally needed.

2. The investment period is long, generally more than one year.

3. Return on investment When the price rises, there is a return and the income is greater.

4. Liquidation ability is complex and difficult to achieve.

5. Profit Opportunity Only when the price rises, the profit needs to pay interest tax.

6. High risk, serious loss due to investment mistakes.

Storage; stock

1. Investment amount 100%, more or less.

2. The investment period is long, generally more than one year.

3. The return on investment will increase profits and reduce losses.

4. Simple liquidity

5. Profit opportunities are subject to interest tax.

6. The risk level is very small

Stock ticket

1. Investment amount 100%, more or less.

2. For transactions with an investment cycle of T+ 1, 4 hours/day.

3. The return on investment will increase profits and reduce losses.

4. Liquidity: Liquidation on the second day after the transaction.

5. Profit Opportunities Only when the price rises can you make a profit.

6. High risk, serious loss due to investment mistakes.

Futures commodity

1. The investment is small or large, and it needs 10%-20%.

2. For transactions with an investment period of T+0, 4 hours/day.

3. There are profit opportunities when the return on investment goes up and down.

4. Liquidity instant trading

5. Profit opportunities can be bought and sold short, which has great profit opportunities.

6. High risk and immature market.

Spot gold

1. The investment amount is small or large, and the investment is 1%.

2. For transactions with an investment period of T+0, 24 hours/day.

3. There are profit opportunities when the return on investment goes up and down.

4. Liquidity instant trading

5. Profit opportunities can be bought and sold short, which has great profit opportunities.

6. The degree of risk is controllable

Precautions:

1.T+0: It is a securities (or futures) trading system. A trading system that completes the clearing and settlement procedures and prices of securities or futures on the day of securities or futures trading is called T+0 trading. Generally speaking, the securities (or futures) bought that day can be sold that day.

2.T+ 1: T+0 transaction was once conducted in China stock market because it was too speculative. In order to ensure the stability of the securities market, Shanghai Stock Exchange and Shenzhen Stock Exchange now adopt the trading mode of "T+ 1" to trade stocks and funds. That is, those bought on the same day will not be sold until the next trading day.