1, bank deposit
Bank deposit is the most traditional, safest and safest investment method.
Advantages: low risk, safe property and guaranteed principal income.
Disadvantages: the income is too low.
2. Foreign exchange
Foreign exchange investment refers to the exchange of different currencies by investors in order to obtain investment income. It can be used as an auxiliary investment for savings. If you choose a stronger currency in the world and deposit it in a bank, you may get more opportunities.
Advantages: Now the foreign exchange market is relatively clean for stocks, and the investment information is transparent and predictable, so the risk is relatively small, but it will be more profitable than bonds, with flexible capital scheduling and high liquidity.
Disadvantages: few investment projects and limited content. Because of the small fluctuation, the profit of stock trading is smaller than that of stock trading.
Step 3 combine
If you have some spare money that you don't need for a long time and want to get more income, but you dare not take too much risks, you can boldly buy some corporate bonds. Although the interest income of corporate bonds is subject to interest tax, the after-tax income is still much higher than that of savings deposits in the same period.
Advantages: when the fixed income and interest rate are high, the income is considerable; Free circulation, no need to repay the principal at maturity, and can be realized in the secondary market at any time. Investors can get a stable interest income higher than bank deposits.
Disadvantages: when interest rates rise, prices will fall, and bond profits are easily affected by interest rate risks, and sometimes threatened by inflation risks.
4. Funds
Funds can be divided into money funds and stock funds.
Monetary Fund: The assets of the Fund are mainly invested in short-term monetary instruments, such as treasury bills, commercial paper, bank time deposit certificates, bank acceptance bills, short-term government bonds, corporate bonds and other short-term securities. The risk of money fund is small and the income is relatively stable.
Stock fund: Let professional fund companies help you buy stocks, and the fund companies charge a certain commission. The advantage of stock funds is that when the market is good, they can get more income than money funds; The disadvantage is that if the whole stock market is in a bad situation, you can only hold stocks. Once the investment is damaged, it is difficult to stop the loss in time.
Advantages: For individuals who lack professional knowledge, the fund will undoubtedly save them a lot of time and energy.
Disadvantages: There are many types of funds and different risks. Generally speaking, the higher the income, the greater the risk.
5. stocks
Among all financial management methods, the risk of the stock market is the most unpredictable, with many opportunities and great returns. However, high returns inevitably correspond to high risks, and investing in stocks requires strong psychological quality, risk tolerance, logical thinking and judgment.
Advantages: low stock threshold and flexible investment, but investors need to have certain economic knowledge.
Disadvantages: strong uncertainty and professionalism, because the risk is unpredictable, stocks are more suitable for people with certain risk tolerance.
6. golden
There are five forms of gold investment: real gold investment (namely gold bars), gold coin investment, gold jewelry investment, paper gold investment and gold futures investment.
Advantages: the role of gold preservation is very obvious. Investors can buy and sell at any time according to the international and domestic situation and the fluctuation of gold price in the gold market.
Disadvantages: the price fluctuates greatly, and the risk of investment and financial management is also great, so it is necessary to be cautious when investing in gold.
7. Futures
Futures investment refers to the futures trading business for the purpose of obtaining the spread in the futures market, also known as speculative business. Futures can be invested with leveraged funds. One of the characteristics of futures investment is small and wide, and the margin is 1%- 10%, which leads to the infinite amplification of the risk of investing in futures. At the same time, the starting point of futures requirements is relatively high, with an initial capital of at least 500,000, which limits most small and medium investors.
Advantages: small and wide, convenient transaction, high efficiency, two-way operation, liquidation at any time, high security and guaranteed contract performance. Disadvantages: the leverage is very large, and the uncertainty of the future spot market price makes it difficult to guarantee futures investment.
8. Real estate
Real estate investment refers to the business behavior that investors convert certain cash income into real estate in order to obtain expected uncertain income. Real estate is also a relatively low-risk investment with great appreciation potential.
Advantages: the house can be rented or sold for appreciation. With the sustained economic prosperity, the prospect of real estate investment appreciation is widely optimistic.
Disadvantages: Real estate prices are easily affected by economic situation, policies and other factors, and investing in real estate requires strong professionalism.
9. Collectibles
Collection is not only an amateur cultural activity of self-cultivation, but also a way to get rich and a golden key to open the door to wealth. The collection with high precision and rarity is a veritable soft gold, and its value is recognized and accepted by the whole world. However, the collection requires extremely high professional knowledge, and it is easy to suffer if there is not enough identification ability.
Advantages: It has artistic value, large appreciation space, high appreciation rate of antique collections, no regional and global risks, and it is easier to realize emergency, so it has high value-added and preservation functions.
Disadvantages: collectible investment requires very high professional knowledge and economic ability, and the investment threshold is high.
10, internet finance
Internet finance is a new field that combines traditional financial industry with Internet spirit. The difference between Internet finance and traditional finance lies not only in the different media used in financial business, but also in the fact that financial participants are well aware of the essence of "openness, equality, cooperation and sharing" of the Internet. Through the Internet, mobile Internet and other tools, traditional financial services have a series of characteristics, such as greater transparency, higher participation, better collaboration, lower intermediate costs, more convenient operation and so on.
Advantages: Through the Internet, mobile Internet and other tools, the cost and risk of financial transactions are greatly reduced, and the boundaries of financial services are expanded. Lower the investment threshold, and it is more convenient and easy to form tools to incite consumer demand.
Disadvantages: The active marketing ability of the Internet financial platform is relatively insufficient, and the supervision is still improving, which has certain risks.