Movable property: savings, bonds, funds, stocks, paper gold trading, foreign exchange, futures; Real estate: physical gold, real estate, antiques, collectibles, etc.
1, stock hedging risk
The risks in the stock market are obvious to all. 15 China stock market has created a group of rich people, and also made countless families suffer huge losses.
(1) Stock market risk. The risk in the stock market is relative, and the degree of risk will be different because of the different investment methods or investment decisions of investors.
(2) The operational risks of the company. Mainly refers to the risks brought to investors by business mistakes.
(3) Interest rate risk. Interest rate risk refers to the risk brought by the change of interest rate in money market to securities returns.
(4) Purchasing power risk. Purchasing power risk refers to the risk brought to securities investors by rising prices and declining purchasing power of money.
In addition to getting a certain dividend, stock investors may also earn the bid-ask difference profit in the stock market. However, the uncertainty of investment income makes stock investment risky, and the higher the expected return, the greater the risk. The stock issuing company is in poor operating condition, even goes bankrupt, the sharp fluctuation of the stock market and the investors' own decision-making mistakes may bring different degrees of risks to investors.
The risk of stock investment mainly depends on the management risk of listed companies, the risk of securities market and the risk of economic cycle fluctuation.
2. The risk of decline in the real yield of bonds.
Interest rate risk refers to the risk that changes in interest rates lead to changes in bond prices and yields. Bonds are legal contracts, and the coupon rate of most bonds is fixed (except floating rate bills and hedge bonds). When the market interest rate rises, the bond price falls, which makes bondholders suffer losses in capital. Therefore, the longer the bond purchased by investors is from the maturity date, the greater the possibility of interest rate changes and the greater the interest rate risk.
3. The risk of bank savings run refers to a large number of people getting together in a short period of time, which refers to withdrawal and redemption. Run refers to the phenomenon that a large number of bank customers go to the bank to withdraw cash at the same time. Bank runs are usually due to depositors' doubts about the safety of their deposits in banks because of credit decline and bankruptcy rumors. When the phenomenon of bank run appears, if the bank's deposit reserve is not enough to pay, it may lead to the bank falling into a liquidity crisis and then going bankrupt.
4. Exchange rate risk, also known as exchange rate risk or exchange rate risk, refers to the possibility that the local currency value of assets and liabilities, income and expenditure and cash flow expected from future business activities will be lost due to currency exchange rate changes.
It should be noted that exchange rate risk loss is only a possibility, and it may also be a profit from exchange rate changes, which leads to the existence of foreign exchange investment and speculation.