Give you superficial advice with less information.
The world economic situation in 2008 is not optimistic. Whether China's economy can survive in the world environment is uncertain. All markets cannot be independent of the booming world economy. I suggest a conservative investment strategy in 2008. You can invest in relatively safe bonds and money funds. As the dollar keeps rising, bonds can be used as the main investment targets, and fixed-income securities can be used as a relatively safe investment method. It is not recommended to invest in real estate, which bears the brunt of the economic impact.
Funds have broad and narrow definitions. Fund in a broad sense is the general name of institutional investors, including trust and investment funds, unit trust funds, provident funds, insurance funds, retirement funds and funds of various foundations. Funds in the existing securities market, including closed-end funds and open-end funds, have the characteristics of income function and value-added potential. From the accounting point of view, capital is a narrow concept, which refers to funds with specific purposes and uses. Because the investors of government agencies and institutions do not require investment returns and investment recovery, but require funds to be used for designated purposes in accordance with the law or the wishes of the investors, funds are formed.
Gold individual investment gold varieties:
Bid gold. Standard gold is the abbreviation of standard gold, which is the standard transaction object required by the gold market to standardize trading behavior, internationalize pricing and settlement, and standardize clearing and settlement. It must be refined and processed into bars of gold according to the specified shape, specification, fineness and weight.
Gold coins. Gold coin is the abbreviation of gold coin, which is divided into broad sense and narrow sense. In a broad sense, gold coins refer to all gold castings, such as gold ingots, gold ingots, etc., which are specially used as money in commodity circulation. In a narrow sense, gold coins refer to casting gold coins that are certified by the state, take gold as the monetary base material, cast into certain specifications and shapes according to the specified fineness and weight, and indicate their monetary face value.
Gold ornaments. Gold ornaments are also divided into broad sense and narrow sense. In a broad sense, gold ornaments refer to ornaments containing gold, such as gold cups, medals and other souvenirs or handicrafts, regardless of the fineness of gold. In a narrow sense, gold ornaments refer to ornaments made of gold with a purity of not less than 58.
Gold account. Gold account refers to a gold investment method provided by commercial banks for investors.
Paper gold. Paper gold is also called a gold certificate. That is to say, in the gold market, the subject matter of the transaction between buyers and sellers is the certificate of gold ownership rather than physical gold, which is a warrant transaction method.
Gold stocks. Gold shares, also known as shares of gold mining companies, refer to listed or unlisted shares issued by gold mining companies to the public.
Gold fund. Gold fund is a mutual fund, which uses gold or its derivatives as investment medium to obtain investment income. Gold funds can be divided into development funds or closed-end funds.
Gold wealth management account. The gold wealth management account, also known as the gold management account, means that investors open a gold wealth management account in a commercial bank, deposit the gold they buy in the vault of the commercial bank, record it in the gold wealth management account, and hand it over to the commercial bank for full management and disposal. In the original investment income distribution period, the investment income will be distributed by the commercial bank, the operator and manager of the gold wealth management account.
Gold margin trading. Gold margin trading means that in the gold trading business, market participants do not need to allocate full funds for the traded gold, but only need to pay a certain proportion of the price according to the total amount of gold transactions as a performance guarantee for the physical delivery of gold. At present, there are both gold futures margin trading and gold spot margin trading in the world gold trading. Shanghai Gold Exchange is also a kind of margin trading, but only for members. This kind of margin trading is different from London spot margin trading and American futures gold margin trading. It is a spot gold transaction. Different from the spot market in London, it has a fixed trading place, only as a trading medium for investors, matching investors to trade, and the exchange itself does not participate in gold trading. Different from the American futures market, the subject matter of American gold futures is a standardized gold trading contract, while the delayed delivery of gold in Shanghai Gold Exchange is spot gold trading.
Bonds are creditor's rights and debt certificates that the government, financial institutions, industrial and commercial enterprises and other institutions want to issue to investors when they directly borrow money from the society to raise funds, and promise to pay interest at a certain interest rate and repay the principal according to the agreed conditions. The essence of a bond is a certificate of debt, which has legal effect. There is a bond-debt relationship between bond buyers and issuers, the issuer is the debtor and the investor (or bondholder) is the creditor.
Bond is a kind of valuable securities, which is a bond debt certificate issued by various economic entities to bond investors to raise funds, and promises to pay interest regularly and repay the principal at a certain interest rate. Because the interest of bonds is usually predetermined, bonds are also called fixed-interest securities.
Real estate investment refers to the investment behavior that a country, a collective or an individual directly or indirectly invests certain funds in real estate development, operation, management, service and consumption in the hope of gaining added value.
1. The main body of real estate investment can be the state, the collective or the individual. It can be governments at all levels, enterprises, banks and individuals, as well as Hong Kong, Macao and Taiwan and foreign investors.
2. Real estate investment involves real estate development, operation and intermediary services, including real estate development, operation, management, service and consumption.
The purpose of real estate investment is to gain added value.
Real estate investment is essentially an economic behavior that gives up immediate income and expects to obtain greater expected income in the future.