Relatively speaking, because bank deposits and national debt are dominated by the state, there is no risk of default, which is the safest investment method. Because of its security, its income is relatively low compared with other financial products.
1. Physical goods: buying and selling some physical assets with a small amount of capital. For example, opening a small storefront, such as buying and selling some small commodities and products. This kind of investment cost is low and the risk is small, but because of the delivery, it is necessary to store materials in the warehouse, and transportation and storage are more troublesome. However, due to its low risk and low requirements for grasping the market, this investment method is slightly higher in value-added than national debt and bank deposits.
Second, stocks: most people in the market understand, but they don't fully understand. Once the stock is bought, it is the shareholder of the enterprise. At this time, the funds are set on this stock, but the stock can be transferred and sold. This is the T+ 1 trading model. Stock investors pay more attention to medium-and long-term growth investment, which basically has no income and may lose money in the short term. But in the long run, it can generally increase value to a great extent, and the risk is relatively large. Risk-neutral people and risk-averse people should avoid it as much as possible, and it is not suitable for short-term trading, because their trading mode T+ 1 cannot be traded on the same day.
Three. Bonds: Divided into treasury bonds, government bonds and corporate bonds. At home, the security level of national debt and government debt is very high, safe and reliable. Low income. The credit rating of corporate bonds is determined according to different enterprises. Enterprises with higher credit rating have relatively lower returns and lower risks, while enterprises with lower credit rating have relatively higher returns but greater risks.
4. Fund: it is a collective investment method, that is, the funds of multiple customers are pooled for investment. There are many types of fund investment, such as stock optimization fund, bond optimization fund, hybrid fund and money market fund. Because their investment direction includes stocks and bonds, the risk is between stocks and bonds. Suitable for risk-neutral investors. However, it is more troublesome to operate and is greatly affected by the market. Once a global or national financial crisis occurs, it is easy to lose money. And it is greatly influenced by the news. Once there is good or bad news, small and medium-sized investors are easily manipulated by the market and realize large losses.
5. Spot trading of gold: Generally, the admission capital of spot trading of gold is higher than that of spot trading of bulk commodities, because gold is the representative of precious metals, and the risk of gold is higher than that of ordinary spot trading, which is suitable for some venture capitalists, but does not like people who get long-term gains like stocks. Such people like to do short-term jobs, but they are particularly adventurous.
6. Spot: There is a big difference between spot trading and physical trading. Physical transactions must be delivered in kind. Spot trading does not require physical delivery, and it can be profitable by charging the difference. Spot trading has many advantages. First, as a T+0 trading system, trading is more flexible. Secondly, its two-way trading mechanism can be long or short. No matter whether the spot price of the market goes up or down, as long as the market price fluctuates, it will be profitable. Thirdly, because of its 20% margin system, some investors with relatively few funds can make investments smoothly and the income is considerable. Because of short-term operation, as long as it is properly operated, it can make a monthly profit of 10%-30%. Finally, the risk problem that investors are most worried about will not happen, and the fluctuation limit of spot 7% protects the controllability of its risks.
Seven, futures: completely different from the spot, the spot is actually a tradable commodity (commodity), futures are mainly not commodities, but with some mass products such as cotton, soybeans, oil and financial assets such as stocks, bonds and other standardized tradable contracts. Therefore, the subject matter can be commodities (such as gold, crude oil and agricultural products) or financial instruments.
According to your own conditions, it is wise to know the risk-return ratio of various wealth management products and investments before making a decision!