Investment and financial management is not only a knowledge and art, but also a difficult knowledge and art to grasp; Investment and financial management is not only a profession, but also a profession with high threshold; Investment and financial management is a living habit and way.
Investment and financial management has become an important way for people to plan their lives and future. There are many ways to invest and manage money. Before investing in financial management, we need to understand the common ways and means of concentration, analyze the advantages and disadvantages, and make reasonable investment and financial management according to our actual situation.
1, saving or deposit is a common investment behavior of ordinary families and the most commonly used investment method. Compared with other investment methods, savings are safe, reliable, convenient, flexible and inheritable. Savings is the business that banks mobilize and absorb residents' surplus monetary funds through credit. After absorbing savings deposits, banks put money into the social production process in various ways to make profits. As a price for using savings funds, banks must pay interest to depositors. Therefore, for depositors, participating in savings not only supports national construction, but also increases or preserves the value of their own monetary funds, which has become a family investment behavior.
2. Although the collection scope of stock interest tax also includes the interest of individual stock accounts, the state will continue to implement the policy of temporarily exempting individual income tax from the income from stock transfer. Therefore, after the interest tax is levied, it is also an effective way to do financial consulting and intervene in the stock market cautiously.
Put your current deposit into your personal stock account, and you can use the money to subscribe for new shares. If you are lucky, you will win the lottery, and the stock will be profitable after listing. Even if there is no lottery ticket, there is still current interest. If your financial situation is good and you can take certain risks, you can also buy stocks in the secondary stock market. Gold, real estate and stocks are regarded by economists as the three major investment hotspots in the world today. As a kind of securities issued by joint-stock companies to raise funds, stock is a kind of equity certificate to prove that investors invest in shares and obtain dividend income. It has entered thousands of households and become an important target for many families to invest. Stock investment has become a hot topic that people talk about every day. Because of its high return, high risk, transferability and flexible trading, stock has become a powerful force supporting the development of China stock market. The return on stock investment can be reflected by calculating the return on stock investment. Actual yield = [annual dividend-annual dividend tax rate]/issue price 100%.
The biggest mystery of insurance life is the future. No one can predict whether a family will encounter unexpected injuries, serious illness, natural disasters and other uncertain factors. Insurance is a financial umbrella, which allows families to hand over risks to insurance companies. Even in case of accidents, families can maintain their basic quality of life. Insurance investment may not be the most important in family investment activities, but it is the most necessary. The main motives of ordinary people to take out insurance are: to buy a long-term reassurance, to live a stable life at present, to be prepared for danger in times of peace, to raise children to prevent old age and not to take out insurance. There are many kinds of insurance for urban and rural residents in China, mainly including property insurance and personal insurance. Family property insurance is an insurance used to compensate for material and economic losses. Family property insurance involving individuals includes: family property insurance, family property burglary insurance, family property endowment insurance, and all kinds of agricultural breeding insurance. Life insurance is a kind of insurance that pays insurance money for life, old age, illness, death and unemployment. There are mainly endowment insurance series, return insurance series and personal accident insurance series.
4. The third is futures. The so-called futures are the subject matter that is bought and sold now, but will be settled or delivered in the future. This subject matter can be commodities, such as gold, crude oil, agricultural products, financial instruments and financial indicators. The place where futures are bought and sold is called the futures market. Investors can invest or speculate in futures. Improper speculation on futures, such as short selling stocks, will lead to financial market turmoil. Therefore, strictly speaking, futures should not be a financial management method recommended to ordinary people, because futures are definitely high-risk and high-yield. Only suitable for players who like to play.
5. Real estate investment The fourth is real estate investment. Real estate investment is the most popular investment method in recent two years. In the short term, it seems to be a steady profit, but in the long run, it is still high risk, high return and poor liquidity. Therefore, if you want to invest in real estate, the premise is that you have enough capital. If you think that real estate is a steady profit, it is wrong. Like gold, China's real estate has a long-term trend. The problem is that no one knows when this process will end. All we know is that when it is over, everything will be a cloud.
Personally, investment and financial management can not be separated from everyone's ideals and goals, and further, investment and financial management is to serve your ideals and goals. Otherwise, you will become a slave to money. You may have a lot of money, but the social significance and value of your existence are very small.
Different people, different families, different enterprises and different countries have different goals, objectives and expectations of investment and financial management. The same person, the same family, the same enterprise, the same country, at different stages, the purpose, goal and expectation of investment and financial management are likely to be different.