3. Buy insurance

Financial management is widely misunderstood by domestic people. The reason why I say that insurance is misunderstood is because when insurance agents sell insurance and Chinese people often consider how much profit they will receive when purchasing insurance. In fact, insurance is for insurance. Real insurance should be to obtain a compensation when an unexpected event occurs to help you tide over difficulties or alleviate difficulties. It is to protect your life from major twists and turns due to various accidents. I tend to buy some critical illness insurance, vehicle insurance, accident insurance, etc. Not to get compensation, but to hope that no claims will occur in this life. Insurance, insurance, don’t think about returns when you spend money.

4. Buy government bonds and corporate bonds

Conservative financial management. Smarter than depositing money in the bank. Interest rates are higher than bank interest rates, and interest tax on government bonds is exempt. At the same time, it can be easily realized through market transactions. It is equivalent to obtaining regular interest in the form of current payments. Risk: National coups and national wars will turn national debt into waste paper. Corporate failure will lead to problems in repaying corporate debt.

5. Buy currency funds

A conservative financial management that is more active. With its professional advantages and scale advantages, currency funds can obtain slightly higher returns by buying and selling bonds than the bonds themselves. The risk is small and it is easy to cash out.

6. Buy stock funds

Active financial management. For people who lack professional knowledge, buying stock funds is a good choice. Through professional advantages and portfolio investments, funds can often earn higher profits than ordinary retail investors. Risk: the risk of stock market fluctuations and the moral hazard of fund managers. Domestic funds, like state-owned enterprises, have irregularities of one kind or another. The problem of rat warehouses is a minor one. The biggest concern is the transfer of profits.

7. Buy and sell stocks by yourself

If you have enough confidence in yourself and the ability to bear it, please buy and sell stocks by yourself. Profit and loss are all reflections of your own ability. If you have the ability, prove it by earning it yourself.

8. Buy warrants

Speculation! Occasionally, investment warrants appear. If you are addicted to gambling, then you might as well buy a warrant, which is fair, and the handling fees and other costs are much lower than renting a casino, and there is no risk of being caught by the police and fined. Legal gambling, really good.

9. Buying futures

More exciting than warrants. However, it requires advanced professional research. Commodity producers do not require particularly advanced expertise. In the futures market, the cycle of survival of the fittest is too short. You must know how to close when things are good. If you are lucky enough to complete primitive accumulation, you will immediately exit the market and start your own business.

10. Start your own business

This is the highest level. After the primitive accumulation is completed, you should consider owning a semi-enterprise or investing in a semi-enterprise. Then strive to go public, sell it at a good price, make a fortune, and be on the Forbes wealth list overnight.