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What are the ways suitable for family investment and financial management (2)
6. Foreign exchange investment

Foreign exchange refers to various means of payment expressed in foreign currency for international settlement, that is, foreign currency funds that can be directly used to repay foreign debts and realize international transfer of purchasing power. According to the relevant provisions of China's foreign exchange management, foreign exchange mainly includes:

(1) foreign currency, including paper money and metal coins. For example, China's freely convertible foreign currencies include five foreign currencies: US dollar, British pound, German mark, Japanese yen and Hong Kong dollar.

(2) Securities in foreign currencies, including government bonds, government bonds, corporate bonds, stocks, coupons, etc. ;

(3) Foreign currency payment vouchers, including bills, bank deposit vouchers and postal savings vouchers; (4) Other foreign exchange funds. For a long time, China has implemented foreign exchange control, and individuals are not allowed to buy or sell foreign exchange. Although the black market in foreign exchange has never really been banned, it is illegal. With the increasingly frequent economic, scientific and cultural exchanges with foreign countries, individuals hold more and more foreign exchange. Especially with the gradual establishment of China's socialist market economic system and China's imminent accession to the WTO, the demand for foreign exchange by ordinary families is increasing. At the end of 2000, China realized the free convertibility of RMB.

The types of foreign exchange investment that residents can choose include: foreign exchange deposit (that is, investing in foreign currency to earn exchange rate difference), foreign exchange (buying and selling without losing time to obtain considerable foreign exchange income on the premise of being familiar with the recent foreign exchange rate), and investing in foreign exchange securities market (buying and selling foreign exchange bonds and foreign exchange stocks through China banks, overseas institutions and economic and trade companies to obtain legal foreign exchange investment income).

7. Futures investment

Futures trading refers to the contract transaction in which buyers and sellers of futures exchanges deliver a standard quantity of commodities at an agreed price on a certain date in the future through public bidding. Futures trading can be divided into commodity futures and financial futures according to trading objects. Futures with valuable commodities as trading objects are called commodity futures. Commodity futures are the most important part and foundation of futures trading. Products that can be used for futures trading include agricultural products and mineral products. And futures with standardized financial instruments as trading objects are financial futures. Financial futures mainly include foreign exchange futures, interest rate futures and stock index futures. With the relaxation of financial environment, China's entry into WTO and the popularization of investors' common knowledge of futures trading, futures investment will become one of the common investment methods, just like spot investment.

8. Your gold investment will never change.

Gold has always been a symbol of wealth in people's minds and an unimpeded investment tool in the world. As long as it is gold with a purity of over 99.5, or signs and words recognized by world-renowned banks or gold traders, you can sell it at the standard price of the London stock market that day, no matter where you get it. As the best hedging tool, gold has been favored by investment theory and ordinary investors since ancient times, and it is considered that owning gold is the best strategy besides traditional stock and bond assets. Especially in the turbulent world, many investors believe that only gold is the safest asset. Therefore, investors unanimously regard gold as an important part of the portfolio.

There are six forms of gold investment: real gold investment (that is, gold bars), gold coin investment, gold jewelry investment, spot gold, paper gold and gold futures. Investing in gold can make money, mainly because of appreciation. Although the price of gold will fluctuate slightly due to the international political and economic situation, it will rise steadily on the whole.

9. Real estate investment with high input and high output

As one of the three major investment hotspots in the world, real estate has always been favored by businesses. Real estate is a general term for real estate (real estate) and real estate (land property). In fact, real estate not only meets the residents' housing needs (shelter from the wind and rain), but also has the function of maintaining and increasing value, and is a good investment tool to prevent inflation. If a family wants to invest in real estate, it should do a good job in financial planning, arrange the purchase funds reasonably and learn real estate knowledge. After all, buying a house is a very important investment for every family. The real estate market is divided into three levels: the primary market (state monopoly), the secondary market (real estate developers' development and operation activities) and the tertiary market (real estate re-transfer, leasing and mortgage places). Investors can choose long-term investment and short-term speculation according to the actual situation. After buying real estate, investors should improvise, cash out decisively when the market is sharply bullish, and get a larger spread income.

10, the organic combination of art and money, investment in collection

Nowadays, collection is not only an amateur cultural activity of self-cultivation, but also a golden key to getting rich and opening the door to wealth. Among all kinds of collections, antiques, calligraphy and painting, coins, stamp products and Spark not only have a long history, but also have their own system, occupying a prominent position in the collection world and being called "five big families"; Then, especially in the last ten years, four celebrities appeared: magnetic cards, food stamps, stocks and lottery tickets. There are also commemorative medals, and all kinds of handicrafts can be collected. People are used to calling these collections "three religions and nine streams". Collectors should follow the "unfamiliar" wisdom of the business community, be familiar with the variety, nature, characteristics, market conditions, interests and appreciation principles of a certain collection, collect it in time, and wait for the price to be sold, so as to achieve the ultimate goal of obtaining investment income. As for the fast and slow growth, the high and low growth depends on many factors and whether you can choose "stocks" wisely. There is an interesting phenomenon in the collection market: the more value-added the collection, the more people will participate in it; The more people collect, the faster the value of the collection grows. In recent years, the collection market is accelerating this "snowballing" good cycle.