2. Insurance: Insurance is a financial umbrella, which allows families to hand over risks to insurance companies, and even if an accident occurs, it can also enable families to maintain a basic quality of life. There are two main categories: property insurance and life insurance. Life insurance is a kind of insurance that pays insurance money for life, old age, illness, death and unemployment. There are mainly endowment insurance series, return insurance series and personal accident insurance series.
3. Stock: As a kind of securities issued by a joint-stock company to raise funds, stock is an equity certificate to prove that investors have invested in shares and obtained dividend income. It has the characteristics of high income, high risk, transferability, flexible and convenient trading, and the return on stock investment can be reflected by calculating the return on stock investment.
4. Bonds: mainly refer to state bonds, which are bonds issued with government property and credibility, and state bonds can be realized at any time. Although the yield of national debt is not too high, it is basically risk-free and is the most ideal investment channel.
5. Fund: An Investment fund refers to an investment method in which fund sponsors collect investors' scattered funds by issuing fund coupons (i.e. beneficiary certificates), which are kept by fund custodians and managed by fund managers, and the investment income is distributed to fund coupon holders. It is the best investment tool for family investors who lack time and professional knowledge.
There are also futures and gold, but these risks are great. It is suggested that office workers should focus on stable products. If you have sufficient funds, you can consider real estate.