Risks and profits always coexist. Eggs can't be put in the same basket. I will invest in this million-dollar method instead of putting eggs in one basket. I will deposit100000 in the bank, 400000 to buy a good store, 200000 to invest in stocks,150000 to buy government bonds, and150000 to make a profitable store. Now that the real estate is slowly realizing, the restrictions on the second suite of the national team are increasing, and the facade house is a relatively safe investment method. As long as the location is good, relying on real estate, there will be good returns every month. If other businesses make money, you can buy more and earn more. This is a conservative investment method; Because I didn't often trade stocks before, I can choose valuation futures trading, because I still know a little about this. In the process of investing in this, I can learn more about stock investment, because the return on stock investment is fast, the return is big and the risk is big, which is particularly fully reflected in stock index futures trading. Due to the characteristics of this speculative trading, from the perspective of investors, they will mainly face the following three risks. The most fundamental risk of stock index futures trading comes from "leverage effect", which is the original mechanism of futures trading, that is, the margin system. The "leverage effect" not only enlarges the tradable volume of investors, but also doubles the risks taken by investors. Suppose a trader uses a sum of 50,000 yuan for stock or spot trading, and the risk of the trader is only brought by stocks or commodities worth 50,000 yuan. If all the funds of 50,000 yuan are used for stock index futures trading, the risks borne by traders are brought by stocks or commodities worth about 500,000 yuan, which magnifies the risks by about ten times, and of course the corresponding profits are also magnified by ten times. It should be said that this is not only the fundamental risk source of stock index futures trading, but also the charm of stock index futures trading that we often hear "futures will make you rich overnight" or "futures can make you bankrupt overnight". The theoretical basis of these statements all comes from this reason. 2. The risk of stock index futures trading comes from the uncertainty of the rising and falling direction. The essence of market changes in the capital market is uncertainty, that is, there is no way to absolutely determine the ups and downs. At this point, stock index futures are similar to stocks. Although the power of market fluctuation comes from the supply and demand relationship of "commodities", because of too many and complicated influencing factors, it is impossible for anyone to fully grasp all the information now and in the future, which makes it difficult to absolutely determine the direction of futures price changes, and also makes every transaction of traders possible to be right or wrong. Compared with stocks, due to the two-way trading characteristics of stock index futures, this risk source is greater than that in stocks. Of course, speculation is often different. Although the risk of price direction uncertainty has always existed, it is not inevitable. All the futures winners we see are experts in avoiding this risk. In the stock index futures market, traders' "labor" is to find relative certainty in uncertainty and regularity in irregularity. This of course requires a deeper understanding of stock index futures trading. 3. The risk of futures trading also comes from "self". Stock index futures trading makes the interests involved huge, so all aspects of traders' own humanity will be more vividly reflected. Everyone has weaknesses, but readers must be soberly aware that their weaknesses will be magnified dozens of times in stock index futures trading! This is completely different from stock trading, which will do great harm to the funds in your "account" and is another major source of risk that traders must face. Greed, fear, impatience and other common human problems must attract everyone's attention. It can be said that engaging in stock index futures trading is also a self-cultivation exercise. To understand their own shortcomings, foster strengths and avoid weaknesses, and know which stage of the market their risk preferences adapt to. I will definitely pay attention to these issues when I study the stock market. In stock trading, I will keep learning and find my own way. I can't think I should rely on stock reviews and friends' recommendations. I have to find my own way to make money by myself, know why I buy and why I sell, know how to buy down and buy up, and know the potential stocks. In short, I will keep learning. You can invest in a profitable business through market research and pay dividends every month. For example, my home is in the county, and my consumption is ok. There's only one Dicos. I can find a location with good consumption and high investment, find someone to invest in partnership, pay dividends on a monthly basis, or directly join the business that needs investment. If the income after investigation is high, I can invest, and the risk is lower than that of stock trading. Finally, I want to buy 300 thousand national debt. Compared with savings, voucher-type national debt refers to the national debt issued by the state by filling in treasury receipts instead of printing physical vouchers. It is in the form of treasury bonds receipts as creditor's rights certificates, which cannot be listed and transferred, and interest will accrue from the date of purchase. During the holding period, if the holder needs to withdraw cash under special circumstances, he can redeem it at the purchase outlet in advance. When redeeming in advance, in addition to repaying the principal, the interest will be calculated according to the actual holding days and the corresponding interest rate grade, and the handling agency will charge a handling fee of 2‰ of the principal. Compared with savings, the main characteristics of voucher-type national debt are safety, convenience and moderate income. Specifically: (1) There are many national debt sales outlets, which are convenient for purchase and redemption, and the procedures are simple; (2) It can report the loss in real name and has good security; (3) The interest rate is 1-2 percentage points higher than the bank deposit rate in the same period (but lower than bearer and book-entry treasury bonds), and the interest is calculated progressively according to the holding time when redeeming in advance; (4) Although the voucher-type government bonds cannot be listed and traded, they can be redeemed in advance, which is flexible and the location is nearby. If investors have special needs, they can exchange cash at the original point of purchase at any time; (5) The interest risk is small, and the interest is calculated according to the holding period and the interest rate of the corresponding grade, and the interest rates of all grades are higher than or equal to the bank deposit interest rate of the same period, so there is no risk that the deposit can only be calculated according to the current demand for early withdrawal; (6) There is no market risk, the voucher-type government bonds cannot be listed, and the price (principal and interest) at the time of early redemption does not change with the change of market interest rate, thus avoiding the market price risk. The purchase of certificate-based treasury bonds is an ideal investment method with safety, flexibility and moderate income, and it is an investment product that combines the advantages of treasury bonds and savings. Voucher bonds can be purchased at the nearest bank savings outlets. It can be divided into paper vouchers and electronic book-entry treasury bonds. I will choose the latter because in terms of debt interest, after the maturity of paper treasury bonds, investors need to pay at the underwriting institution's outlets without interest. After the electronic book-entry voucher-type national debt expires, the bank automatically transfers the due principal and interest of the holder to its pre-opened or designated fund account, and the principal and interest funds transferred into the fund account are used as resident deposits, and the bank pays interest according to the current deposit. This flexible interest-bearing method enhances the competitiveness of national debt as an investment product. Finally, I will leave100,000 in the bank, because those are risky, and100,000 won't be penniless when in urgent need. This is my investment plan. In line with the principle of not putting eggs in one basket, I will invest my money separately to achieve the effect of income!