There are many ways to invest in financial management, such as stocks, national debt, foreign exchange, insurance, funds, bank financial products and so on. Among many financial management methods, investment and financial management methods such as treasury bonds with fixed expected annualized expected returns belong to "lazy" financial management, and do not need technical content and professional knowledge at all. However, there are still some investment and financial management methods that need technical content, and at the same time, the risk of expected annualized expected return is high, namely: foreign exchange, futures, precious metals and stocks.

First, foreign exchange.

Technical content: ★★★★★★★

The foreign exchange market is the largest financial market in the world, and foreign exchange trading is also the most technologically advanced investment method in the world, which is mainly manifested in the following points. First of all, foreign exchange transactions are conducted 24 hours a day except weekends; Secondly, foreign exchange trading is a two-way transaction, which can be long or short; Third, there is no limit to the number of foreign exchange transactions in a single day; Fourth, foreign exchange transactions are leveraged transactions, with leverage as high as 100 times or even 200 times.

Second, futures.

Technical content: ★★★★★

Futures refer to trading contracts of bulk commodities or financial assets, such as soybean futures, crude oil futures, stock index futures, bond futures, foreign exchange futures, precious metal futures, etc. Futures is the largest trading means after foreign exchange, and its technical content is second only to foreign exchange.

Futures trading covers almost all the characteristics of foreign exchange, but why is the technical content lower than that of foreign exchange? First of all, the size of the futures market is obviously smaller than that of foreign exchange; Secondly, the leverage ratio is not so large, and the common leverage ratio in China is 15 times; Third, some futures products are time-limited, that is, they only need to pay attention to the price trend during the trading period.

Third, precious metals.

Technical content: ★★★★

The world's largest precious metal trading market is the London precious metal trading market, so domestic gold pricing is also based on the trend of London gold, and the factors affecting the trend of London gold are nothing more than technical aspects, and the fundamentals are nothing more than the economic data of the United States and Europe, the international war situation and so on.

Fourth, stocks.

Technical content: ★★

Stock trading is the most common investment method in China. In view of its one-way trading, limited number of transactions per day, limited trading time and limited price, the technical content is at the bottom of the four types of investment and financial management methods.

We know that domestic stocks can only be long, not short; I bought a stock today and can't sell it until tomorrow at the earliest; There are only two trading hours in the morning and afternoon every day; The upper limit is 10%. All kinds of restrictions make the operability of stock trading significantly lower than that of foreign exchange, futures and precious metals.

In short, foreign exchange, futures, precious metals and stocks are all high-tech investment and financial management methods, and high-tech content also means high difficulty. Therefore, Jiafeng Reid, a financial planner, reminds people who want to get in touch with this kind of investment to spend some energy to study first. It is best to try simulation operation first, and then it is not too late to use real money.