2. Risk investment tools: stocks, equity funds, real estate, gold, foreign exchange, non-guaranteed bank wealth management products and non-guaranteed trust products.
3. Safe investment tools: medium-term savings, bond funds, savings-based commercial endowment insurance, medium-term capital-guaranteed bank wealth management products, trust products and social endowment insurance.
4. Guaranteed investment tools: term life insurance, personal accident insurance, medical insurance, sickness insurance, income insurance and unemployment insurance.
Extended data
Characteristics of investment tools:
1. repayment period: refers to the time before the debtor must repay the principal in full.
2. Liquidity; Refers to the ability of financial instruments to be quickly converted into money without suffering losses.
3. Risk: refers to whether the principal of the investment financial instrument may suffer losses.
Return on investment (ROI) refers to the value that should be returned through investment, that is, the economic return that an enterprise gets from an investment activity. It covers the profit target of the enterprise. Profit is related to the property necessary to put into operation, because managers must make profits through investment and existing property. Investment can be divided into two categories: industrial investment and financial investment. People usually say that financial investment mainly refers to securities investment.
The rate of return on investment can reflect the comprehensive profitability of investment centers, and it has horizontal comparability because it eliminates the incomparable factors of profit difference caused by different investment amounts, which is conducive to judging the operating performance of each investment center. In addition, the investment profit rate can be used as the basis for choosing investment opportunities, which is conducive to optimizing resource allocation.
The deficiency of this evaluation index is the lack of overall concept. When the return on investment of an investment project is lower than that of the investment center and higher than that of the whole enterprise, although the enterprise wants to accept the investment project, the investment center may refuse it; When the return on investment of an investment project is higher than that of the investment center and lower than that of the whole enterprise, the investment center may only consider its own interests and accept it, regardless of whether the overall interests of the enterprise are damaged.