Gold accumulation is a risk-free capital-preserving investment method. However, gold accumulation is suitable for long-term investment with a period of at least one year. It is difficult to achieve better investment returns in the short term.
Investors You might as well choose international spot gold. If it fluctuates by 1-3 points in a single day, you will get an actual income of 100-300 US dollars, and your wealth will grow quickly.
In short, gold accumulation is a new way to invest in gold, which can not only reduce the risk of gold investment, but also increase returns. The biggest disadvantage is the long investment period.
If investors If you want short-term operations, gold accumulation is not suitable. All major banks have launched gold accumulation business. You can go to the bank to learn about it.
The word "financial management" first appeared in the early 1990s, according to statistics from Zhongyin.com Data Center. With the expansion of the domestic stock and bond market, the increasingly rich commercial banking and retail businesses, and the overall income of citizens rising year by year, the concept of "financial management" has gradually become popular. Personal financial management varieties can be roughly divided into personal asset varieties and personal liability varieties. Funds, stocks, bonds, deposits, life insurance, gold, online loans, etc. are personal asset varieties; while personal housing mortgage loans and personal consumer credit are It is a type of personal debt.
What is financial management
When most people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is the management of a lifetime's wealth, that is, the cash flow and risk management of an individual's lifetime. Contains the following meanings:
1. Financial management is a lifetime of financial management, not just solving urgent money problems.
2. Financial management is cash flow management. Everyone needs money (cash outflow) as soon as they are born, and they also need to make money to generate cash inflow. Therefore, no matter whether you have money or not, everyone needs to manage money.
3. Financial management also covers risk management. Because more future flows are uncertain, including personal risks, property risks and market risks, they will all affect cash inflows (risk of income interruption) or cash outflows (risk of increasing expenses).
Where to manage money
At present, the institutions in China that can provide customers with financial services mainly include banks, securities companies, investment companies, economic management companies, etc.
1. Bank financial management
Currently, the financial products provided by commercial banks in my country are divided into three categories: capital-guaranteed fixed-income products, capital-guaranteed floating-income products and non-capital-guaranteed floating-income products.
2. Securities company financial management
Securities financial management generally includes stocks, funds, commodity futures, stock index futures, foreign exchange futures, etc. Individual or institutional investors can according to their different needs and investment preferences Choose from different financial tools.
3. Investment company financial management
Investment company financial management generally includes trust funds, gold investment, jade, jewelry, diamonds, etc. It requires a relatively high starting capital and is suitable for high-end financial managers.
4. APP financial management
Currently, there are a series of APP financial management methods on mobile phones, with zero starting capital and suitable for all people.