income and risk coexist, and the higher the income, the higher the risk.

financial management mode:

bonds

bonds are financial contracts, which are creditor's rights and debt certificates issued to investors when the government, financial institutions, industrial and commercial enterprises 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 agreed conditions.

the essence of a bond is a certificate of debt, which has legal effect. There is a creditor-debtor relationship between bond buyers or investors and issuers. Bond issuers are debtors and investors (bond buyers) are creditors.

a bond is a valuable security. Because the interest of bonds is usually determined in advance, bonds are a kind of fixed-interest securities (fixed-interest securities). In countries and regions with developed financial markets, bonds can be listed and circulated. In China, the typical government bonds are Treasury bills.

stock

stock is the abbreviation of share certificate, which is a kind of valuable securities issued by a joint-stock company to shareholders as shareholding certificates to raise funds and obtain dividends and bonuses. Each share represents the shareholder's ownership of a basic unit of the enterprise.

every stock in the same category represents equal ownership of the company. The share of ownership of the company owned by each shareholder depends on the proportion of the shares held by each shareholder in the total share capital of the company. Stock is an integral part of the capital of a joint-stock company, which can be transferred, traded or mortgaged at a fixed price. It is the main long-term credit tool in the capital market, but the company cannot be required to return its capital contribution.

funds

funds are a kind of collective investment form in which many investors' funds are pooled by selling fund shares, managed by fund custodians and managed by fund managers, and the benefits are shared and risks are borne in the form of various investment portfolios. Because the funds are invested and managed by professionals, investors don't need to spend too much energy on them. Moreover, fund managers can easily invest in various forms with concentrated funds, which is also impossible for ordinary investors.

foreign exchange

foreign exchange is a payment voucher expressed in foreign currency for international settlement. Including: foreign currency, foreign currency deposits, foreign currency securities (government bonds, treasury bills, corporate bonds, stocks, etc.) and foreign currency payment vouchers (bills, bank deposit vouchers, postal savings vouchers, etc.). Investors conduct foreign exchange transactions through the differences in exchange rates of various currencies, thus making profits.

Insurance

Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer assumes the liability of compensation for the property losses caused by the possible accidents agreed in the contract.

the initial insurance business is only a guarantee for our life, to prepare for possible emergencies and avoid affecting the living standards of families due to emergencies. In recent years, the insurance business has also slowly introduced some wealth management products, focusing on investors' dividends and interest, and taking into account some guarantee functions. This is favored by many people.

gold and silver

gold and silver are precious metals with anti-inflation function. In today's high inflation, gold trading has attracted more investors' attention. Silver has attracted more and more attention because its intervention threshold is lower than that of gold. At present, the investment in gold and silver can usually be divided into physical investment, spot trading and futures trading.

futures

futures is a kind of contract, which is a tradable contract based on certain bulk products such as cotton, soybeans, oil and financial assets such as stocks and bonds. The delivery date of futures can be one week later, one month later, three months later or even one year later. A contract or agreement to buy or sell futures is called a futures contract. The place where futures are bought and sold is called futures market

spot

Spot refers to physical goods that can be shipped, stored and used in manufacturing, also known as physical goods. The spot available for delivery can be converted into cash on the basis of spot or forward, or the goods can be paid in advance, and the buyer pays in a very short period of time. Symmetry of futures. At present, what people usually say about spot trading refers to spot electronic trading.