Manage your finances according to the theory of 1: 1: 1. The first 1 can solve your daily expenses of food, clothing, housing and transportation, the second 1 can deposit on time, and the third 1 can consider investment and financial management. What does specific investment and financial management mean? Let's just say that there are too many varieties and patterns in the investment market in the past two years. Once you choose the method, you must consult relevant professionals to avoid being in a hurry. Let me briefly analyze the investment market in China. Financial management is mainly in two aspects, savings and venture capital. 1, savings. Including demand deposits, time deposits, seven-day deposits, purchase of government bonds, etc. Among them, the national debt has the highest income, and the longer the time, the more income. You can consider buying some government bonds and time deposits as long-term investment and basic living security. 2. Venture capital. Including investment in kind and investment in financial products. Physical investment: real estate, artworks, stamps, antiques, etc. This requires not only a good investment vision, but also senior appreciation and discrimination. If there is no such advice, don't invest. Financial products: stocks, funds, foreign exchange, futures, fixed investment of funds, dividend insurance and spot. The stock market is risky. Recently, the stock market is depressed and the economic development is a little inflationary. It is suggested to find a powerful securities company with little or no investment. The risk of fixed investment of the fund is lower than that of the stock market, which belongs to growth investment. It can be fixed every month and the income is considerable. However, due to the consolidation of the stock market, it is recommended to invest moderately. Dividend insurance is stable and has less risk. Generally, dividends are paid annually, with average income and long cycle time. If you are not in a hurry to use money, you can invest some in moderation. The spot risk is small, the investment is small, the price difference is earned and the time period is short. Short-term investments are mainly foreign exchange, futures and spot. Foreign exchange and futures have high risks and high returns, and the leverage ratio is relatively large, and some even exceed 1:500. Short-term benefits are significant. The disadvantage is that the risk is not easy to control, and small funds are easy to explode. It is suggested to invest as little as possible or not. Spot can now be divided into gold spot and agricultural and sideline products spot, energy spot and medicinal materials spot. Spot gold, China can do is the agent of London Gold Exchange, trading 24 hours a day. Due to the high price of gold and high investment threshold, it is affected by the international gold price and the exchange rate of the US dollar. At the same time, it should be noted that as investors, we buy and sell contracts in order to earn the price difference of spot gold, and we don't really want to buy gold, so it is also risky, not to preserve value. It is recommended to buy some or not according to your own affordability. Spot agricultural and sideline products and medicinal materials have low investment threshold, low risk and easy control. The 20% margin system is mainly aimed at the domestic commodity market and is generally unaffected by international news. Suitable for short-term investment by investors who try for the first time. It is recommended to invest more. Any investment product without absolute value preservation is risky in theory, and it is unrealistic for an investment company to only talk about income and not risk. Therefore, it is the correct investment and financial management to reduce risks as much as possible and extend the return time. ? Let's compare the difference between spot and other investment and financial management. (1) Stock: Advantages: T+ 1 trading, with market value (unless the listed company goes bankrupt), suitable for single-track, 100% margin quilt cover can take time to wait, suitable for middle-line people? Disadvantages: you can't play that day, the washing is 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. Suggested price stops at 10% risk. (2) Spot: Advantages: T+0 trading, two-way trading, both ups and downs, playing on the same day, unlimited number of transactions on the same day, 20% margin system, 7% ups and downs, and strong risk controllability. Recommended? Disadvantages: hidden, knowing fewer people than stocks, (the investment value is greater than stocks), not suitable for large funds (of course, for skilled people, the problem does not exist because it can be hedged)? (3) Futures: Advantages: T+0 trading, two-way trading, both ups and downs, unlimited times of entry and exit in the same day, margin of about 1%-5%, capital amplification? Disadvantages: the risk control is weak, and the game played by big funds is not suitable for small and medium-sized funds (my friend earns 70 thousand a day and loses 1 10 thousand a week), which is not recommended. The spot market is in a hidden area of the financial investment market. Foreign countries put the spot before the futures, while our country, for various reasons such as developing market economy, is just the opposite to foreign countries, putting the futures before the spot. Therefore, the spot industry is a very special investment industry in China. The prospect of this industry is very strong. Gold and China cannot be priced, crude oil cannot be priced, and futures cannot be priced. The Ministry of Commerce of China strives to realize independent pricing in the spot industry. This background makes this point develop continuously in the past 65,438+00 years. As a classmate of Caida University, I believe that the background of realizing independent pricing can be strong, and I should also understand that one of the great manifestations of strong economy is that independent pricing can be realized. ? However, the development of the spot industry is not smooth sailing, but a slow and gradual process, which has experienced many baptisms, so people don't know much about it, less than stocks and less than futures. However, sooner or later, such an industry will develop and become a leading investment field in China. The theme of investment products in the spot industry is real, and most of them are agricultural products, such as vegetables, fruit indium, silver, electric coal, silicon and so on. This is what we are familiar with. Now there are new medicinal materials. Chinese herbal medicine has been used in China for a long time, and now the Ministry of Commerce is also vigorously supporting the development in this field. Because of this, the government can know the market price to a great extent, which is of great benefit to our investment. ? Spot technical support, spot analysis, like stocks, is mainly in two aspects. The actual market price has always been called basic analysis, and the second is that the investment market price is called K-line analysis. I believe that anyone with stock knowledge knows K-line analysis. Why do you support the spot market? Fundamentally speaking, first, the strength and prospects of the industry; Second, the use of funds (preferably between 5000 and 40000), which means it is suitable for small and medium-sized funds; Third, you can enter and leave the market indefinitely on the same day and earn the difference; Fourth, it can buy when it goes down, buy when it goes up, and make money by shorting when it goes down or returns. This is the two-way trading system mentioned above. ? There are risks and benefits in the investment market, and it is this reason that attracts different people. To make a good investment, we must have a solid basic skill. For stocks, combined with my own personal experience, I must first pay attention to: internal factors (1) and the trends of PetroChina and Sinopec? (2) What is the selected stock industry, sector and national policy? (3) Is the stock market value, circulation scale and stock nature active? (4) How about the banker's shareholding, early consolidation and overall swing? (5)k-line chart, moving average chart, entry point, stop loss point and take profit point? External factors (1) International financial trends? (2) What is the trend of US stocks? The above points are some foundations, and of course there are many details. Welcome friends who need to communicate to discuss and study. If you are a stock trader, if you can combine these, you can better control risks and earn profits. Of course, there is also a very important factor, that is, the control of mentality. ? However, spot analysis is not that complicated. Spot analysis only needs to look at the K-line chart and the moving average chart. The trend of buying up is on the rise, while the trend of short selling is on the decline, benefiting from both directions. There is no international influence, no market influence, no multiple bookmakers grabbing shares, no Zhuangzi shares and so on. If your technical ability is excellent, then maybe you can earn your own profit in this industry. In other words, spot analysis should be more concise, clear at a glance and more suitable for technical analysts. Finally, please remember that the investment market is risky, so it is not too much to say that' investment is risky and you need to be cautious when entering the market'. When you feel that the stock market is too slow and wobbly, or when you have a good position in the spot market, you can celebrate the harvest when you go in and out every day, or you may be proud of your progress when you count your books at the end of the day. Investment and financial management is an active consciousness and behavior. If you don't manage your money, money will ignore you. Personal and family investment and financial management is an economic activity aimed at meeting the development needs of individuals and families. Personal and family investment and financial management run through life. When you are about to come to this world, but it is still in the future, your parents may have made psychological and economic preparations for your arrival. When many people are about to leave this world, there are still many problems of inheritance and will to be solved, otherwise their descendants will solve them for them. 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. You can communicate with me in detail if you are interested.