Extended data:
I. Investment and financial management methods:
1, stock-high-yield wealth management products
You don't need to prepare too much principal, you just need to open an account in a brokerage firm to join the stock market. Everyone knows that stocks are very exciting. Don't invest more than 20% of your total assets. If you are a novice in financial management, it is still not recommended to stock up, because the risk is too great and systematic learning wastes time and energy. If you don't know the market, you are easily cheated.
2. Funds-financial products with safety, profitability and liquidity.
In order to ensure the safety of funds, the funds of the Fund are deposited in banks. At the same time, the fund is managed by a special person, which is much more convenient and stable than messing around in the stock market. Since the fund 10 yuan, the price is very close to the people, and the investment varieties will not be concentrated on one variety, so the risk is very low. Moreover, investment funds don't have to worry about money being trapped, and the fund is easy to redeem and has high liquidity.
3. National debt-a wealth management product with low threshold, high security and poor liquidity.
National debt has many advantages. First, you can buy it as long as 100 yuan. It has high security, because the issuer is a country, and there is still about 4% income a year. It is recommended not to redeem the national debt in advance after purchase, because it is a long-term investment, and there is a handling fee of 0. 1% when it is withdrawn.
Second, the risk category of investment
1. Invest according to the principle of "three-thirds system". Deposit 2W in the bank to ensure family cash flow; 4W Invest in Low Risk Platform 4W Million Invest in High Risk Platform.
2. Low-risk category: fixed assets or gold that can preserve and increase value against inflation, as well as varieties of bonds and low-risk funds, as well as spot agricultural products.
3. High-risk category: represented by stocks and futures.