Individuals have been engaged in stocks, funds, bonds and futures for 6 years.

It is found that the risk of stock futures is too great, and the spot has been done, and the risk is not affordable for ordinary people.

Financial management, I suggest you set a basic goal first.

For example:

1. If you expect the interest on time deposits to exceed five years, that's fine. If it falls by about 3%-5% a year, it is recommended to buy bond funds and money funds, which are highly safe.

2, expect higher returns, 5%-20%, and then buy index funds, the best time to buy. Non-guaranteed fund. The range of fund returns is roughly: -20%~90%, depending on the stock market trend.

3. Revenue expectation: 10%-60%. You can buy a hybrid fund, and you must look at the historical performance of the fund manager. Don't just buy, choose high-quality fund managers, such as Fu Pengbo, Xie Zhiyu, Gu Lan and so on, mature fund managers. Non-principal-guaranteed funds have certain risks ranging from -30% to 90%, which are related to the experience of financial markets and fund managers.

4. Revenue expectation: 15%- 100%. Buy stock funds. Funds with higher risks. The return is between -60%- 100%, depending on the stock market trend.

5. Expected income: 15%-300%. Buy stocks. But generally do stock investment, 7 losses and 2 draws, 1 income. The return is between-90% and 400%, depending on the stock market trend and personal cognition. It is not recommended to do stocks, which requires a lot of time to study, work hard, have strong psychological endurance and strong adjustment ability.

6. Expected income: 50%- 10000%. Do futures. The risk of stocks is big enough, but the risk of futures is even greater. It is possible to lose the principal and pay extra insurance money. Don't move.

Judging from the current financial market, it is more reliable to buy index funds or hybrid funds. This year, the return of 300ETF has surpassed that of most stock investors. Hybrid funds, which I bought this year, are basically above 25%+. 30%+ at most. Such as moderate prosperity, substantial growth and safe consumption. More than 60% this year.

Compared with self-made stocks, due to the heavy positions of two stocks, the income in August was originally 25%+, and now it is less than 10%. At this rate, my income may turn negative this year.

In the future, China's financial market will be in line with the world, with fewer and fewer stocks and high institutional participation. At present, the index point is also low. If you buy hybrid funds or index funds and hold them for a long time, the annualized income will be above 10%.

Like a fund in Shaoxing, Zhu, 15 18 times. If dividends are reinvested, the income may be more. 10000 can be changed to 300,000, not to mention 18000.

Personal advice, buying a fund, is more reliable, but choose a good fund manager. What the bank recommends is not necessarily reliable. You must look at the qualifications of the fund manager yourself, and more than 5 years is the best. Historical performance, the number of funds managed. Don't watch the market brag about the size of your company's issuance. Some fund companies simply don't take investors' money seriously. Those fund managers manage 10 funds, how can their performance be good! ! So I buy a fund and manage more than seven fund managers, and I won't take a look at it again. One person's energy is limited, so is the team's energy.

These are my investment suggestions, forget to adopt them!