Do you want to preserve value, increase value slightly, or make big money!
Bonds, funds, stocks and futures. . . . . . Different investment projects can meet different investment needs.
Generally speaking, the greater the income, the greater the risk. Under this premise, make clear your investment goals.
Investment should be gradual.
If you have 500,000 yuan, you can invest it as 2 million yuan. But if you have 50 yuan money, you can't use it as 200 yuan.
Because, when you have 500 thousand, you can add "leverage" to yourself, and you can use financial means to get more investment channels.
Therefore, the investment process must be gradual, and it is very important to accumulate the first bucket of gold, and at the same time, don't be swayed by considerations of gain and loss.
Buffett's success in the investment field is the result of 70 years' accumulation. It takes at least 10 years to become an expert in a field, and at least 30 years of dedicated research to become a top expert.
If you just buy a few products and read a few books, you will basically make no money, and in most cases you will lose money, but if you persist in studying for 20 years, you will often achieve more than you can imagine.
When you know these two points, there are still quite a few projects suitable for family investment!
1.？ Bank financial products
The annualized wealth management products of banks and other institutions in the market are all around 5%. The advantage of investment is that the risk is small, but the return is not high. If your principal is not much, the income after one year is not as good as hard earned.
2.？ fund
Funds can't make you rich, but the income will be higher. When choosing a fund, you must have a sense of risk. First of all, look at the past performance, the biggest retreat and the biggest profit. Don't buy the one that is too big. The second is to look at the fund manager and understand the risk control awareness and investment philosophy of the fund manager.
3.？ liabilities/debts of a company
The yield of corporate bonds is about 5%-9%. The overall risk of corporate bonds is not great, especially that of listed companies. Although the default of bonds is increasing gradually, the audit of bonds in China is strict, and the bankruptcy rate of companies is still very low.
Generally speaking, it is beneficial for small companies to invest in some high-rated and mortgaged bonds.
4.P2P financial management
P2P financial management is the fastest developing financial product in recent years. The originally closed financial market suddenly opened up, resulting in a blank financial market that lost control in front of private capital.
But because P2P is not regulated, the whole P2P industry is in dire straits. The income is extremely high and the risk is extremely high. The news that the platform is running is not uncommon, but after the limelight, there is quite a feeling of big waves. The remaining P2P financial platform, although the income is lower than before, but the risk is correspondingly lower.
At present, the investable P2P is mainly divided into three grades.
The first gear is P2P of large groups.
Such platforms are mainly owned by large groups (such as Ping An Group). This kind of P2P platform is close to the current trust level in risk, but the annual income is only about 7%, and the investment cost performance is not high, but it is still a good choice for newcomers or investors who pursue stability.
The second file is the P2P platform of listed companies.
Such platforms are mainly wholly-owned companies of listed companies. Although the risks will be higher, the benefits will be higher. Especially for some emerging platforms, in order to open the market and gain a good reputation, there will often be greater profit-making activities, which is very cost-effective for family investment.
The third file is the private P2P platform.
This kind of platform is characterized by reducing operating costs (visible from the office address environment) and engaging in familiar businesses, so it can give investors higher returns. But it is also the deepest platform of this kind, because there is no strong backing support, the most likely thing is that funds run away. Investing in such platforms requires particularly strong investment expertise to achieve "gold rush"
Summary: Family financial management should have a clear goal and do what you can.