Financial management mainly involves two aspects, savings and risk investment.

1. Savings. Including demand deposits, time deposits, seven-day deposits, purchasing treasury bonds, etc. Among them, government bonds have the highest yield, and the longer the period, the greater the profit. You can consider buying some treasury bonds and time deposits as long-term investment and basic life protection.

2. Venture capital. Including, physical investment and financial wealth management product investment.

Physical investment: real estate, art, stamps, antiques, etc. This aspect requires not only a good investment vision, but also senior appreciation and discernment capabilities. If you do not have this aspect, it is recommended not to invest.

Financial wealth management products: stocks, funds, foreign exchange, futures, fund fixed investment, dividend insurance, spot. The risk of stocks is relatively high. In addition, the stock market has been sluggish recently and the economic development is a bit inflationary. It is recommended to find a strong securities company and invest less or not at all. Fund fixed investment has lower risk than stocks. It is a growth investment. You can make fixed investment every month and the income is considerable. However, as the stock market consolidation determines the performance of the fund, it is recommended to invest in an appropriate amount. Participating insurance is a stable type with less risk. It generally pays dividends on an annual basis, has average returns, and has a long cycle. If you are not in a hurry to spend money, you can invest in an appropriate amount. The spot risk is small, the investment is small, the price difference is earned, and the time cycle is short.

Short-term investments are mainly foreign exchange, futures, and spot. Foreign exchange and futures are high-risk and high-income, with large leverage ratios, some even exceeding 1:500, and significant short-term returns. The disadvantage is that the risks are not easy to control, and small funds can easily liquidate positions. It is recommended to invest as little or as little as possible. The spot can be divided into gold spot, agricultural and sideline products, energy spot, and currently available medicinal material spot. For spot gold, all that can be done in China are agents of the London Gold Exchange, which trade 24 hours a day. Due to the high price of gold, the investment threshold is also very high. It is affected by the international gold price and the US dollar exchange rate. At the same time, we as investors should pay attention to In spot gold, you earn the price difference by buying and selling contracts. You don't really want to buy gold, so it is risky and it is not a store of value. It is recommended to buy some or not according to your own ability. Spot agricultural and sideline products and medicinal materials have low investment thresholds, low risks and easy control. The 20% margin system is mainly aimed at the domestic commodity market and is generally not affected by international news. It is suitable for short-term investment by first-time investors. It is recommended to invest more .

Any investment product has no absolute value preservation and is theoretically risky. Investment companies that only talk about returns but not risks are unrealistic, so try to reduce risks as much as possible and extend the time of returns. , Only in this way can you make steady profits, which is the correct investment and financial management.