There are many kinds of investment and financial management, mainly including the following 12 aspects:

1. Trust

Trust financial management is a kind of property management system, and its core content is "entrusted by people to manage money on behalf of others". Specifically, it refers to the act that the principal entrusts his property rights to the trustee based on his trust in the trustee, and the trustee manages or disposes in his own name for the benefit or specific purpose of the beneficiary according to the wishes of the principal.

2. Internet fund sales

If a fund sales institution cooperates with other institutions to sell wealth management products such as funds through the Internet, it shall earnestly fulfill its risk disclosure obligations and shall not attract customers by committing income in violation of regulations. Fund managers should take effective measures to prevent maturity mismatch and liquidity risk in asset allocation.

3. Internet insurance

When conducting Internet insurance business, insurance companies should follow the principles of safety, confidentiality and stability, strengthen risk management, improve the internal control system, and ensure the security of transactions, information and funds. Professional Internet insurance companies should adhere to the basic orientation of serving Internet economic activities and provide targeted insurance services.

4. Gold speculation

Since Bank of China launched the "Huang Jinbao" business specifically for individual investors in Shanghai, gold speculation has been a hot spot in the personal finance market, attracting investors' attention and favor.

5. Funds

Since the successful issuance of the first batch of closed-end funds in 1997, funds have been highly praised by domestic individual investors. By 212, funds have obviously surpassed deposits in financial analysis and become the top priority in many aspects of investment and financial management.

6. Stock trading

Some experts have analyzed that the situation of capital supply and demand is relatively optimistic in the future, which is undoubtedly a shot in the arm for the capital-driven China stock market. In addition, the China Securities Regulatory Commission has put forward stricter requirements on the performance calculation and financing amount of listed companies, and strengthened the regulation of the stock market, which will bring profit opportunities to investors.

7. National debt

There are many varieties in the national debt market, and investors have many choices. New attempts and reforms have also been made in the way of issuing national debt, which further improves the marketization level of national debt issuance and minimizes the interference of non-marketization factors.

8. Bonds

In p>213, it is possible to speed up the issuance of corporate bonds, and corporate convertible bonds, floating rate bonds and subordinated bank bonds will all become good investment products. In addition, the China Banking Regulatory Commission included subordinated term debts in tier 2 capital to supplement the capital composition of commercial banks, which will make banks have a bright prospect of issuing bonds, which will add fuel to the fire of the bond market again.

9. Foreign exchange

With the continuous decline of the exchange rate of the US dollar, more and more people have gained a lot of money through personal foreign exchange trading, and the foreign exchange market was once extremely hot. A variety of foreign exchange financial management products have also been introduced, for example, foreign exchange links of commercial banks, foreign exchange treasures of China Bank and Agricultural Bank, etc. for investors to choose from.

1. Insurance

Once introduced, income insurance is highly sought after by people. There are generally many types of income insurance, which not only has the most basic protection function of insurance, but also can bring investors a lot of income, which can be described as a win-win situation for protection and investment. Therefore, the purchase of income insurance is expected to become a new investment and financial management hotspot for individuals.

11. P2P financial management

"P2P" means "person-to-person", which is a new generation of private lending form closely related to innovative technologies and innovative financial models such as the Internet and microfinance. This form provides transparent, open, direct and safe microfinance transactions for familiar or unfamiliar individuals to the maximum extent, and is young, innovative, cautious and low-key.

12. Futures

Futures investment and financial management should pay attention to three "quantities", namely: initial inventory, current output and current import.

the initial inventory refers to the physical quantity of goods accumulated in the last year or quarter for the society to continue to consume. The output of this period refers to the commodity production of this year or this quarter. The import volume in this period is a supplement to the domestic production, and usually changes with the change of the balance between supply and demand in the domestic market.

Extended information

1. General principles of investment and financial management

1. Be aware of the time value and opportunity cost of investment

Money has certain time value and opportunity cost. Because the time value of money creates the capitalization of money, and capital discounts the expected value of money. As an investor, you need to be aware of the time value and opportunity cost of investment.

2. Fully realize that investment is not equal to speculation

Individuals need to fully realize that investment is not equal to speculation. Investment is an individual's behavior to increase the value of assets by purchasing assets and occupying them for a long time. Both investors and speculators need to have a calm heart and adjust their investment assets to avoid big losses.

3. Correctly grasping the investment strategy in the period of economic prosperity

Investment requires a certain understanding of the characteristics of the macro-economy. During the period of economic prosperity, the supply of goods in the market is in short supply, and the increase of production can not meet the increase of demand. Production continues to increase, and the factors of production are also increasing sharply, and the cost and commodity prices will also rise.

2. Precautions for investment and financial management

1. Make good use of financial management budget, and avoid using funds necessary for life as capital.

gambler's psychological characteristics: people who are suffering from loss, unrestrained and overly nervous should never use your life funds as trading capital. Excessive financial pressure will mislead your investment strategy, increase trading risks and lead to greater mistakes.

2. Financial transactions can't rely solely on luck and intuition

People who don't listen to advice because of gamblers' psychological characteristics. If you don't have a fixed trading method, users' profits are likely to be random, that is, relying on luck. This kind of profit cannot last long. People who don't know the basic knowledge should take the initiative to learn.

3. Make good use of stop-loss orders to reduce risks

Investors sometimes need the courage and determination of military strategists, identify opportunities and take proactive measures.

4. Do what you can

Investors should understand the management of funds and master the maximum benefit of funds.

reference source: Baidu encyclopedia-investment and financial management.