Among them, bank savings are the most typical. We deposit money in the bank and the bank lends it out. There are differences in interests. The bank's three-year time deposit is only 3%, but the loan interest rate is above 6%. So it's actually those who ask for bank loans who pay the bill.

The principle of usury is similar to that of microfinance companies.

The representative of this kind of investment products is: bonds.

Bonds are divided into national debt, local debt and corporate debt.

National debt means that the country wants to borrow money from you, local debt means that local governments borrow money from you, and corporate debt means that enterprises borrow money from you. Buyers and sellers directly reach a deal, and no intermediary eats the difference. So the interest rate of bonds is higher, generally 4%-7%.

Let's take an example: Xiaoming has a cafe, and Xiaobo has a chain store next door. They all came to you to borrow money. Xiaoming, who is honest and reliable, wants to borrow some money to expand the cafe, so he came to borrow money from you. Xiaobo's chain store business is not very good. Last month, he quarreled with customers because he was underweight. He wants to borrow money to advertise. Who would you lend money to if it were you?

With a little judgment, we know that Xiaoming borrowed money to expand his business because his business is booming, so his repayment ability is stronger than Xiaobo's. Therefore, comparing the credit qualifications of the two, we think that Xiaoming has a higher probability of repaying the principal and interest as promised, which is of course to lend money to Xiaoming.

The pending changes of this kind of investment products are: stocks.

We use our own money to invest in the company in exchange for part of the company's ownership, sharing risks and profits with the company. This is the essence of stocks.

To make money through stocks, the first thing is to find a profitable company and invest in it.

Would you like to invest in Xiaoming's cafe? I'm sure I will, because business is good.

Representatives of such investment products are: gold, futures, art collection, etc.

It relies on external information to make money by predicting future ups and downs, and has nothing to do with its own value.

For example, Xiaobo heard that the price of pork has soared recently, and he wants to go to the United States to buy a batch of pork and make money in one hand. Let you prepare 200 thousand to buy pork from him before going abroad. He told you that the pork market is so good that it will definitely go up in the future. You trusted him and gave him 200 thousand.

Is this 200,000 investment a steady profit?

There may be two situations: one is that pork is still in short supply, and restaurants come to you to buy pork or even buy it at a high price. Bo and you both make a lot of money.

In another case, the government felt that the supply and demand of pork were unbalanced, so it opened a freezer and put all the stored pork on the market. As a result, Xiaobo and the pork you bought were unwilling to sell because the price was too low. The pork has gone bad in the freezer, and your 200 thousand yuan is gone.

This is the principle of futures, that is, betting on future expectations, rather than making a steady profit.

Typical representatives of such investment products are: bank wealth management, funds, etc.

Such investment products include both stocks and bonds, as well as some bank deposits. We should judge whether it meets our investment needs according to the proportion of high-risk investment products.