Bian Xiao believes that there are the following points.
First, as the vast majority of ordinary people, it is quite difficult for them to make money, which is all their hard-earned money. Therefore, in the process of financial management, we must choose products with guaranteed capital and interest. You can choose industrial and commercial bank, China Construction Bank and other state-owned banks to buy some relatively stable wealth management products or large deposit certificates.
Second, some people may not get high returns from purchasing wealth management products, so in this case, we can also trade stocks or enter the futures market according to our own strength. However, entering the stock and futures market has a threshold, and it is a high-risk and high-return behavior, so ordinary people must be psychologically prepared and have a certain sense of risk before entering.
Third, if we have a lot of money in hand, but don't want to buy wealth management products or stocks, we can also choose a relatively safe way. For example, we can buy shops to compete for investment. Bian Xiao specially reminds everyone here not to buy and sell houses in large quantities, and houses will profit from it. Because the central government has formulated a policy of not speculating in real estate, and there are many restrictions on second-hand housing transactions, taxes and fees are high, and buying and selling houses is not reliable. For a store, although the income cycle may be longer, it will be stable and self-sufficient. When you want to develop other industries, you can also open your own shop.
Fourth, if we have a lot of idle funds, we can also invest according to our work or contacts. However, it is relatively difficult to invest and start a business, and its success is related to its own strength.
Bian Xiao feels so little, so what do friends think? Let's discuss it together.