The first battle plan: bury the money underground. As the saying goes, as you sow, you reap. However, you can't get money by planting money, you can only get money rotted by corrosion. Maybe it will all fall into the ant's stomach. Money is a special paper symbol. You have to use it and operate it, otherwise, you will never make money or add value. The conclusion is that holding on to money is 100% unreliable. The second battle plan: deposit money in the bank, which is the most commonly used financial management method for most people in China. People think it is safe and reliable. However, the interest rate of bank deposits is much lower than the increase of CPI, and the era of negative interest rate has arrived. No risk often means no gain. The conclusion is that putting money in the bank is an upgraded version of Scheme 1, both of which are pot calling the kettle black. The third battle plan: buying a house in the past 10 years, China's commercial housing market has experienced explosive growth, and house prices have skyrocketed, which has become one of the most concerned economic topics. Guotai Junan pointed out in a recent research report that there is little possibility of a second rise in the property market in the future 10, and it is difficult to reproduce the myth of real estate speculation. However, from the perspective of value preservation, real estate investment is still relatively reliable and meets the social and psychological needs of Chinese people. The fourth person's battle plan: buying gold and silver basically, replacing gold and silver with paper money is the source of inflation. So whenever inflation rises, precious metals such as gold and silver are popular, and prices are also rising. Since the international gold price entered the thousand yuan era last year, it has recently risen to $6543.8+040 billion; The price of silver also hit a record high. The current gold price is at a high level and the risk of entering the market is high; Investment methods include physical gold, paper gold, gold ETF, gold T+D, gold futures and so on. The fifth battle plan: stock trading When more and more people realize that deposit banks are unreliable, the stock market has become the biggest destination for deposits to move. The shortcoming is that after 20 years' development, China stock market has basically formed, but it is still not standardized. Problems such as corporate governance and insider trading of listed companies still need to be solved, and the shadow of "policy city" is lingering. Nevertheless, most institutions have repeatedly stressed that the China stock market will improve for a long time as the market matures. Whether it is value investment or band operation, I suggest you learn relevant knowledge first, and then take out some spare money to invest. Never use your family's property for investment, let alone borrow money for stock trading. The sixth battle plan: As a financial management method, financial management on behalf of customers, due to the stock market volatility, many investors and people who lack financial knowledge turned their attention to funds. At present, the supervision of China's fund industry is still in its infancy, and the frequent changes of fund rat warehouses and fund managers have long plagued China's fund industry. A recent research result of Good Buy Fund is shocking: China Public Offering of Fund has underperformed CPI for nine consecutive years. Compared with new funds with complex concepts, old fund companies and old funds with good historical performance, this combination seems to be more recognized. The seventh battle plan: buy bank wealth management products, that is, bank wealth management on behalf of customers. Generally, according to whether the guaranteed income is guaranteed or not, it is divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products. According to the different investment methods and directions, there are new share subscription products, bank credit cooperation works, QDII products, structured products and so on. With the help of huge banking channels, bank financing has gradually gained popularity with lower risk and higher income than deposit interest. In the period of high inflation, short-term financial management of banks is popular, but there is often a certain capital threshold. Structurally linked wealth management products need to be very cautious. The eighth battle plan: buying commercial insurance In recent years, with the high incidence of various natural and man-made disasters, commercial insurance protection has become more and more popular. Insurance, that is, paying for protection, can play a timely and effective role in the event of an accident. At present, financial planners generally advise consumers to buy certain insurance. China's insurance industry as a whole is still in the extensive stage. Pay attention to the scope of protection, claim details and exemption clauses when purchasing. Don't mistake insurance for deposit. Plan 9: Other Alternative Investments The so-called alternative investments refer to financial and physical assets other than traditional stocks, bonds and cash, such as real estate, securitized assets, hedge funds, private equity funds, commodities and artworks. These investments often require higher professional knowledge and the threshold is generally higher. The public is familiar with collecting investment. They might as well pay more attention to the available alternative financial products, such as stamps, coins and special old objects (badges, picture books, comics, etc.). ), and be wary of high-risk investments such as mahogany furniture and Huang Longyu, but also be careful whether there is a market. Tenth battle plan: invest in yourself. Remember, you still have the most potential and reliable asset, and that is yourself. In the field of economics, human capital investment is recognized as one of the most cost-effective investments. No matter how the times change, having strong secular ability and spiritual accomplishment is the best guarantee for a happy life.