Extended data:
Financial management is a Chinese word, pinyin is lǐ cái, and English is Financing, which refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance.
Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.
"Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management".
The so-called financial management is not only about investing in financial management, but also about being invested. If you don't know how to invest, you don't know how to manage money better.
Investment channels:
fund
Since the successful issuance of the first batch of closed-end funds in 1997, the funds have been highly praised by domestic individual investors. In 20 12 years, funds have obviously surpassed deposits and become the top priority in many aspects of investment and financial management. According to relevant data, the net value of domestic funds has reached nearly 200 billion yuan in 20 13 years, accounting for more than 10% of the circulating level of A shares. Many investors are still very optimistic about the advantages and characteristics of the fund, such as stable income and low risk, and hope to obtain ideal income through the investment of the fund.
Seven skills of fund management:
First, correctly understand the risks of the fund and purchase the fund varieties suitable for your risk tolerance.
Second, the choice of funds can not be greedy and cheap. Many investors will choose funds with lower prices when buying funds, which is a wrong choice.
Third, the new fund is not necessarily the best. In the mature foreign fund market, newly issued funds must have their own characteristics, otherwise it will be difficult to attract investors' attention. However, many domestic investors only buy new funds, thinking that they only issue new funds with a face value of 1 yuan, which is the cheapest.
Fourth, the fund with more dividends is not necessarily the best fund.
Fifth, don't just stare at open-end funds, but also pay attention to closed-end funds.
Sixth, carefully buy split funds.
Seventh, investment funds should be long-term. Buying a fund is to admit that experts are better than themselves in financial management, so don't speculate on funds like stock trading, or even make a difference and then redeem them. We should trust the fund manager's judgment on the market.
stock
Buying stocks means buying listed companies and China's economic growth. The supply and demand of domestic stock market funds is relatively optimistic, which is undoubtedly a shot in the arm for the capital-driven China stock market.
In addition, China Securities Regulatory Commission has put forward stricter requirements on the performance calculation and financing amount of listed companies, and strengthened the supervision of the stock market, which will bring profit opportunities to investors. But in any case, the biggest feature of the stock market is uncertainty, opportunities and risks coexist.
Therefore, investors should continue to be cautious and seize opportunities before investing.
future
Generally, it refers to a futures contract, which is a standardized contract made by a futures exchange and agreed to deliver a certain amount of subject matter at a specific time and place in the future. This subject matter, also known as the underlying asset, can be a commodity, such as copper or crude oil, or a financial instrument.
If the buyer of a futures contract holds the contract until the expiration date, he is obliged to purchase the subject matter corresponding to the futures contract; If the seller of a futures contract holds the contract until it expires, he is obliged to sell the subject matter corresponding to the futures contract (some futures contracts do not make physical delivery but settle the price difference when they expire).
For example, the expiration of stock index futures is the final settlement of the futures contract in the opponent according to a certain average of the spot index. Of course, traders of futures contracts can also choose to reverse the transaction before the contract expires to offset this obligation.