I'm happy to answer your question. Investment and financial management is a good idea. If everything goes up quickly, wages will go up slowly. 20 1 1 How to invest and manage money in the information age? As far as I know, investment can be in kind or in the capital market. (For personal finance, first of all, you should set your own financial goals, which should be quantified and limited. For example, you have a two-year limit. what do you want to do? Buying a house? Buy a car? Or just earn travel expenses?

Secondly, risks and benefits are equal. It can only be said that in the case of controllable risks, we can invest in capital, stocks, funds, spot, futures, insurance and artworks, and at the same time, we should learn more about communication, experience the fun of investment and bring financial returns while increasing our knowledge.

In fact, these investment channels are also very simple. )

Physical investment in goods, such as goods bought and sold in small stalls, is low in cost and low in risk, so it can be considered.

Capital markets such as stocks, futures and spot securities funds,

Stock-Advantages: T+ 1 transaction, market value (unless the listed company goes bankrupt), suitable for monorail, 100% margin quilt cover can wait for the opportunity, suitable for mid-line people.

Disadvantages: Pan Da can't play on the same day, and the washing is very bad and shaking badly, which limits the effective use of funds; It can only go up but not down, which limits the direction of trading. It is suggested that the risk should stop rising and falling at 10% (but there is nothing to be done in the near future).

Futures-Advantages: T+0 trading, two-way trading, ups and downs, unlimited number of times in and out of the day, margin of about 1%- 10%, capital amplification, that is, the risk is also 10 times greater than that of stocks.

Disadvantages: the risk control is weak, and the games played by large funds are not suitable for small and medium-sized funds (my friend earns 70,000 a day and loses 1 10,000 a week). It is not recommended to have a short position that may lead to losses.

The starting point is relatively high, and the approval procedures for 500,000 yuan are more complicated, and various procedures need to be provided.

Spot-advantages: T+0 trading, two-way trading, both ups and downs, can appear on the same day, the number of transactions on the same day is not limited, and the 20% margin system (higher than futures, that is, to ensure the safety of investors' funds, and the amount of funds is less than futures) can stop 7%, which is highly recommended for risk control.

Disadvantages: hidden, knowing fewer people than stocks, (investment value is greater than stocks), not suitable for large funds (of course, there is no problem for skilled people because they can hedge).

Securities-

In a word, the advantage is that commercial banks make profits by investing in securities or maintain short-term liquidity. For example, commercial banks buy government bonds, keep the liquidity of funds, and can be realized at any time to meet the needs of depositors to withdraw money and lenders to lend. At present, China stipulates that commercial banks are not allowed to invest in equity.

The disadvantage is that there are risks. If its liquidity cannot be guaranteed, it will lead to the break of the capital chain; Access to information is free, and all participants in the transaction can obtain information that affects price changes at the same time.

Fund stocks, like him, are risky, troublesome to operate and easily affected by news. He has been fired by several price increases, and the capital flow is large. Operation is generally not recommended.

Fixed Fund Investment-The purpose of fixed fund investment is to spare investors the trouble of timing. Fixed investment can be made at any time. It is good to invest in Huaxia, Jiashi or Industrial Fund Company. The rate of return can only be seen in the long run. The annual returns of these funds have exceeded 20% in the past five years. Fixed investment is long-term investment, and short-term yield is meaningless.

Regarding the fixed investment of the fund, whether it is high-risk and high-yield, it is a steady capital preservation and guaranteed income. The former buys stock funds, while the latter buys bonds or money funds. After determining the type of fund, the choice of fund can be based on fund performance, fund manager, fund scale, fund investment direction preference, fund charging standard and so on. Online ranking of fund performance. Steady stock funds can choose index or ETF. It is best to choose back-end payment for fixed investment, and the index funds with the same target choose low management fees and custody fees. I'm afraid I won't make a specific recommendation. Only the feet know whether the shoes are good or not.

Generally speaking, there are two ways to invest in open-end funds, single investment and regular quota. The so-called fund "fixed investment" means that investors invest a fixed amount (such as 10 yuan) in the designated open-end fund at a fixed time every month, which is similar to the bank's zero deposit and withdrawal method. Because of the low starting point and simple method, the fund is also called "small investment plan" or "lazy financial management"

The fixed investment of the fund is similar to long-term savings, which can spread the investment cost evenly and reduce the overall risk. It has the function of automatically increasing the price and reducing the price on dips. No matter how the market price changes, it can always get a relatively low average cost. Therefore, regular fixed investment can smooth the peaks and valleys of the fund's net value and eliminate market fluctuations. As long as the selected funds grow as a whole, investors will get relatively average returns without worrying about the timing of entering the market.

According to my friend's situation, I suggest you make cash, not limited to investment funds, suitable for everyone to operate. There are also night dishes, which are also suitable for tired office workers. His service fee is low, unlike the stock market, which relies on technology and experience and has professional guidance. As long as you are not greedy, you will get a small return every day. In view of your friend's situation, you must want to invest in an industry with low risk, low profit and moderate profit. This industry is good and worth considering.

The insiders believe that, first of all, investors should fully realize the fact that "as long as they invest, there will be risks", and have a full understanding of the characteristics and types of investment wealth management products before investing, and don't blindly expect too much. Facts have proved that investors can take controllable risks only when they fully understand the potential of the market, companies and products when choosing investment products.

Secondly, investors should know themselves and have a clear understanding of their risk-taking ability. To put it bluntly, it is how much money to save your life. For ordinary investors, a general principle is to "invest with idle money", which means that even if this part of the funds is risky, it will not affect normal life.

In addition, I suggest you read more books on investment and financial management, join some Q groups, recruit more people to chat and share resources.

I hope this helps you.

Of course, I personally suggest that you read more books in this field, learn relevant technologies, and have a solid mind. You should have your own independent thoughts and judgments, and you can't blindly follow them. That would be more effective. In addition, you can add more Q groups and find more people to chat, exchange and summarize.

This year, the fixed investment and spot investment of 20 10 fund have great development space and potential. You should communicate with others more, I hope this will help you. )