1, deposit.
Deposit is a conservative financial management method, the most stable financial management method and the most basic financial management method. Although the interest rate of deposit is very low, deposit is also essential.
Deposits are divided into time deposits and demand deposits. 654.38+00,000, and a small part should be used in the deposit. Save for a rainy day. Bank deposits will be affected by inflation, so only a small part needs to be used for deposits.
2. Stock trading.
Stock trading is to engage in stock trading. The core content of stock trading is to obtain profits through the price difference between buying and selling stocks in the securities market.
The rise and fall of stock prices change with the fluctuation of the market. The fluctuation of stock price often shows the characteristics of differentiation, which stems from the concern of funds, and the relationship between them is like the relationship between water and ships. When the water overflows, the ship is high (the stock price rises when the capital flows in), and when the water runs out, the ship is shallow (the stock price falls when the capital flows out).
3. Stir-fry gold.
Gold has been an investment tool for a long time. For a long time, all resources have been concentrated in the CFD trading industry of gold and stock indexes on the global gold trading platform, and the monthly turnover of gold investment is as high as 30 billion US dollars.
It shows that it is an independent resource and is not restricted by any country or trade market. Gold investment is the most commonly used product for investment preservation and two-way trading in the world, and speculative gold can also simulate trading, so there are many different types of investment gold in the investment market.
Generally, the gold code is XAUUSD or gold. In short, there is no guarantee for investment and financial management, and so is speculation in gold. Generally speaking, speculating in gold is an investment behavior, and investing in gold can usually help investors become a financial investment portfolio.
4. Buy government bonds.
Buying national debt is to subscribe for the debt borrowed by the state, that is, national debt. It is a written loan certificate issued by the state to investors in order to raise funds, and promises to pay interest and return the principal on schedule in accordance with the agreed conditions within a certain period of time.
China's national debt refers to the national debt issued by the Ministry of Finance on behalf of the central government. Guaranteed by the national financial reputation, the credibility is extremely high. It has always been called "Phnom Penh bond", and cautious investors like to invest in government bonds. There are three types: voucher type, physical voucher type and bookkeeping type, among which bearer bonds are rare, and the latter two are the main forms.
5. funds.
Fund is a convenient way to manage money, and it is not necessary to pay attention to market fluctuations at all times. A part of 1 10,000 can be used for fund management. There are several types of fund financing. There are relatively stable funds, medium-risk funds and high-risk funds. It depends on your personal preference.
Generally speaking, the interest rate of stable funds is higher than that of banks, and it is a wealth management product that hedge people prefer to buy. Which one to buy depends on whether you prefer high-risk or stable.
Point of purchase:
1, depending on personal risk preference.
Steady investors, who don't care about low returns and need to protect their capital, can choose to deposit, or insurance, gold spot, fund, or buy government bonds. These advantages are that the risk is relatively small, and the disadvantage is that the income is small and the change is small, so it can be said that it is relatively stable.
2. Organize the income and expenditure of funds.
Divide the monthly money into five parts, one for living expenses and family expenses; One is to make friends and expand the interpersonal circle; The third is to study, buy books or train to enrich yourself and make progress day by day; Fourth, for travel; The fifth part is for investment, raising money with money, or using Qian Shengqian.