fund

1. Open and easy to realize in circulation. Think of it as T+n, where n is the number of days that can be redeemed, but after deducting the subscription fee and management fee, you can't make much money.

2. Closed-end, divided into capital preservation and non-capital preservation, it is recommended to buy capital preservation, which is equivalent to investing in government bonds and buying non-capital preservation. Nine times out of ten, I took your money and played for three or five years. Finally, I lost my interest now. You still have to pay back the money, and the operating cost of the fund company depends on you.

golden

1. Paper gold, many banks are doing it. Both ICBC and CCB are approved by the state. There will be no default at present. Both online banking and telephone banking can be operated, which is quite convenient. Look at the historical data first, with the mentality of saving for one year, buy at a low level and let it go for one year. The income is better than the national debt. If you buy at a high level, you will stick to it.

2. The trading variety of the Shanghai Gold Exchange, gold T+D, is leveraged, which seems to be five times the leverage. ICBC, Minsheng and Xingye can all trade on the online banking platform. If you have no futures experience, you'd better not do this. I found that many people can't even count the daily settlement of the gold exchange.

3. Physical gold. Many banks sell physical gold and deposit gold. The advantage is that there is real money in hand, and the disadvantage is that it is difficult to realize it. Someone bought it, but no one took it. Money can only appreciate in circulation; The quality of gold is not guaranteed. He said it was Au99, and you can't prove it. Not long ago, it was rumored that the gold sold by ICBC was not pure enough.