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Qian Shengqian has many methods. According to the "cost performance" between risks and benefits, we can be roughly divided into the following categories:
This Qian Shengqian method is the safest, of course, it may also yield the least, and it is more suitable for cautious investors, such as:
1. Buy government bonds:
The interest rate of national debt is fixed, and the principal is risk-free, which is slightly higher than the interest rate of time deposit. Generally, it is issued every month 10, and all major banks have it.
2. Bond reverse repurchase:
Bond reverse repurchase generally operates on securities accounts, similar to buying and selling stocks, except that the interest rate changes every minute like the stock price. The price you sell is the interest rate at which you reverse repurchase bonds. The term of reverse repurchase is 1 day, 2 days, 3 days, 7 days, 14, 28,96, 128. The interest rate of bond reverse repurchase is generally higher than that of "baby" wealth management products.
3. Monetary funds:
Money funds are also almost risk-free financial products. Baby wealth management products such as Yu 'ebao are all money funds, which are higher than the current interest rate.
4. All kinds of deposits:
For example: time deposits, certificates of deposit, structured deposits, etc.
Such products mainly include: stock funds, stocks, gold, foreign exchange, trust products, etc.
For example: real estate, industrial companies, individual industrial and commercial households, investing in some entrepreneurial projects as angel investors, equity investment, project outsourcing or transfer, and so on.
Generally speaking, there are many methods in Qian Shengqian, but not all of them are suitable for you. All you have to do is choose a method that you are best at in Qian Shengqian, and then stick to it!
The above are personal opinions, please leave a message to discuss ~
I can only tell you that there are many ways to go to Qian Shengqian, but how many ways to go to Qian Shengqian are incalculable.
Qian Shengqian's definition is to use his own principal to eat interest, earn the difference, earn income, and eat kickbacks through various investments; That is, let your money move and bring benefits to yourself.
Here are some of Qian Shengqian's methods:
(1) deposit bank
In Qian Shengqian, the most common thing is to deposit money in the bank with interest, with the lowest interest on current deposits and higher interest on fixed deposits. Among them, large deposit certificates or smart deposits have high interest rates, but poor liquidity; In Qian Shengqian, the deposit of less than 500,000 yuan is the Qian Shengqian method with zero risk and the highest security.
(2) purchasing government bonds
National debt is a kind of bond issued by the state, which is guaranteed by national credit. The state belongs to the borrower, borrows money from the investor, and then the investor gets the national debt certificate. After that, the state will return the principal and interest to the investors at the agreed time, which is how investors get the Qian Shengqian.
(3) purchasing monetary funds
The money fund is familiar to everyone now. With the advent of 20 13 balance treasure, various monetary funds have come out. Yu 'ebao, Yu Bao Li, Bitong, Small Treasury, etc. In fact, it is a money fund purchased. These money funds guarantee interest-free, the principal is safe, the interest fluctuates, and the interest is settled every day, which is also a sound Qian Shengqian method.
(4) Purchase wealth management products
There are many kinds of wealth management products. Major financial institutions have various wealth management products such as distribution or agency, bank wealth management products, securities wealth management products, insurance wealth management products and online finance. This is too extensive to count. Among them, wealth management products have different products of high school and low school, so we must distinguish the financial situation; Encounter high risk not only can't Qian Shengqian, on the contrary, the principal loss is great.
(5) Stock trading
Stock trading is also familiar to many people. Many people have been exposed to or directly manipulated the stock market, which is risky and profitable. The stock market makes money by the truth itself. You have the ability to multiply your assets. Without this ability, you can only lose money on the principal. This is the stock market.
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Besides, there are many ways in Qian Shengqian, such as paper money, trust, bitcoin, crude oil, futures, gold, foreign exchange and so on.
Of course, there are other methods besides these financial Qian Shengqian methods. For example, you contribute his efforts, speculate on real estate, speculate on other things, act as a middleman and hold the price difference ~ ~ ~ and so on. There are many Qian Shengqian methods.
I want to find a financial management method in Qian Shengqian when I ask this question, but I tell you the truth, no matter what Qian Shengqian you investors eat, you can earn 1000 if you have the ability, and you are likely to lose 1000 if you don't have the ability.
I wish you a happy investment.
Keywords: Qian Shengqian.
Qian Shengqian, this is what we call investment.
First of all, I don't think the money used to make money can be lost!
That is, you can't lose money. There is a famous Buffett investment law:
First: keep your principal!
Second: keep your principal!
Third: refer to the first two!
Old people often say: Eating, drinking and having fun doesn't cost much, but investment can make you never turn over!
I won't participate in channels without more than 70% profit opportunities!
So, on the way to Qian Shengqian, always protect your principal!
From 10000 yuan to 15000 yuan, which is 50% of the income; But if you lose 5,000 yuan from 10000 yuan, you need 100% to recover the loss, so keeping the principal is the first!
Second, what about Qian Shengqian? What is Qian Shengqian's method?
In fact, there are various investment methods, including deposits, funds, bonds, stocks, futures, commodities and so on. But I think ...
The most important thing here is to establish your investment portfolio and investment system, so that your money will always make money for you, and you can attack and retreat.
For example:
1, balanced combination of bonds and stocks: allocate your portfolio according to 50% bond funds and 50% stock funds. By constructing stock assets through fixed investment funds, the portfolio can basically realize annualized income of more than 12%. If it can withstand large fluctuations, it can be configured according to 2: 8 and 3: 7, which can basically reach more than 15%.
2. Debt stock commodity portfolio: 30% for bond funds, 50% for stock funds and 20% for commodities. You can stably obtain an annualized income of more than 10%, not to mention crossing the bulls and bears.
In the above example, careful friends can see that bonds are all allocated, telling us not to forget to defend and hedge when attacking, while stock assets are attacking. In reality, many friends invest in stocks or stock funds in the form of allin. When they encounter market fluctuations, they will be very painful and difficult to persist, which will lead to investment failure.
Finally, Qian Shengqian's mentality construction.
The above portfolios have floating losses or floating wins in the investment process, so the mentality must be stable. The key is to persist, exchange time for profits, make friends with time, and re-adjust the investment in proportion after half a year or a year.
Teacher Jiang's point of view: to put it bluntly, it is investment. There are many ways to invest, but you need to find the one that suits you. Nowadays, many people don't put their eggs in a box, and choose the way of portfolio investment. One is to reduce the investment risk, and the other is to find the "Qian Shengqian" way that suits them best. So what are the specific "Qian Shengqian" methods?
1, deposit savings
To build Qian Shengqian, the most important link is saving, because we must have money first. China people know the concept of "preparing for a rainy day", but now some western countries don't have this concept. They spend a lot of money on credit cards, and they can't pay their credit card bills until they get paid. Instead of saving money every month, they pay off their debts, so they are bound to be caught off guard in an emergency. If making money is for today's survival, then saving is for tomorrow's life and the future "Qian Shengqian".
2. Bond investment
With its advantages of good credit and low risk, bond investment has become an important means of Qian Shengqian and won the favor of many investors. Bond is essentially a kind of securities. In order to raise funds and sell creditor's rights certificates, all kinds of social and economic entities will pay interest to bondholders regularly at a certain interest rate and repay the principal at maturity. Because the interest of creditor's rights is usually determined in advance, people can accurately calculate how much money is generated by money.
3. Gold investment
Gold, a name that makes people excited and heartbroken! Because it is rare, special and precious, it has been regarded as the first hardware since ancient times. Gold investment is also a method of "Qian Shengqian". In the investment market, the status of gold is also very high, and investors like to buy gold very much, because gold not only has high commercial value because of its scarcity, but also has great aesthetic value. For this reason, compared with other investment methods, investing in gold highlights its hedging function. Therefore, investing in gold is a stable and fast "Qian Shengqian" way.