1. Bank deposit. For ordinary people, deposit is the most basic way of investment and financial management. Compared with other investment methods, deposits have many advantages, such as variety, flexibility, stable value-added and safety. After deciding to make savings deposits, investors are faced with the choice of deposit term structure. Whether investors choose demand deposits or time deposits mainly depends on the future income and expenditure, as well as the expectation and grasp of other better investment opportunities in the future.
2. Stock investment. Among all investment tools, stock (common stock) can be said to be one of the investment tools with the highest yield, especially from the perspective of long-term investment, no publicly listed investment tool provides higher returns than common stock. Stock is a certificate issued by a joint stock limited company to shareholders to raise its own capital. It is a certificate representing the ownership of equity, and it is a valuable securities for shareholders to get dividends and bonuses. Stock has become an important target of family investment.
3. Investment funds. Many people want to invest in the stock market, but they don't know how to choose the right stock. The most ideal way is to entrust experts to make investment choices. This investment method is the fund. Investment fund refers to an investment tool that raises a large amount of uncertain social idle funds in the form of trust, contract or company, forms a certain scale of trust assets, and hands them over to professionals of specialized institutions for diversified investment according to the principle of portfolio, and shares the income according to the proportion of capital contribution. Compared with other investment tools, the advantages of investment funds are expert management, scale advantage, risk dispersion and considerable income. Buying investment funds by families is not only less risky, but also saves time and trouble. It is the best investment tool for family investors who lack time and have professional knowledge.
4. Bond investment. Bonds are between savings and stocks, with higher interest than savings and lower risk than stocks, and are more suitable for middle-income families with more idle funds. Bonds have the characteristics of fixed term, repayment of principal and interest, transferability and stable income, and are deeply welcomed by conservative investors and the elderly.
5. Real estate investment. Real estate refers to real estate and real estate, that is, houses and land. Because buying real estate is a very important investment for every family, families should make good financial planning if they want to invest in real estate; Reasonable arrangement of housing funds, always pay attention to the changes in the real estate market, in order to sell cash when the price rises sharply and get the difference. Among all kinds of investment methods, the advantage of investing in real estate is that it can preserve value. When inflation is relatively high, it is also a period of rising real estate prices. Moreover, real estate can be used as collateral to obtain loans from banks; In addition, investing in real estate can be left to children as a family business.
6. Insurance investment. The so-called insurance refers to a way in which an insurance company collects a certain premium from the insured according to regulations, establishes a special insurance fund and provides economic compensation to the insured in the form of a contract. Insurance is not only a preparation in advance and a remedy afterwards, but also an investment behavior. The premium paid by the insured in advance is the initial investment of this investment; After the insured has the right to claim compensation, he can get economic compensation from the insurance company in case of disaster or accident or security needs, that is, "investment income"; Insurance investment has certain risks. Only when disasters or accidents occur and cause economic losses can economic compensation be obtained. If there is no relevant situation during the insurance period, the insurance investment will be completely lost. Family investment insurance mainly includes family property insurance and personal insurance. At present, the types of life insurance products introduced by major insurance companies, such as disguised capital hook or dividend, make insurance have dual functions of investment and protection. Insurance investment is not the most important in family investment activities, but it is the most necessary.
7. Futures investment. Futures trading refers to the trading form of standardized contracts in which buyers and sellers pay a certain amount of margin to deliver goods of specific quality and specifications at a specific time and place in the future. Futures trading is divided into commodity futures and financial futures, so we should be cautious in the choice of futures trading.