At present, new investment varieties have gradually become an important part of personal investment and financial management. Emerging personal investment and financial management tools such as financial futures and financial options are emerging in endlessly, which have a great impact on modern personal financial management investment portfolios. Nowadays, the main types of home investment products include:

1. Bank deposits. For ordinary people, deposits are the most basic way of investment and financial management. Compared with other investment methods, the advantages of deposits are: diverse deposit types, flexibility, value-added stability, and security. After deciding to make a savings deposit, investors are faced with the choice of deposit term structure. Investors mainly choose whether to deposit current deposits or fixed deposits. In fixed deposits, whether to save for only one year or longer depends mainly on future income and expenses, as well as the expectation and grasp of other better investment opportunities in the future.

2. Stock investment. Among all investment tools, stocks (common stocks) can be said to be one of the investment tools with the highest return, especially from a long-term investment perspective. No publicly listed investment vehicle provides higher returns than common stocks. Stocks are certificates issued by a joint stock company to shareholders in order to raise their own capital. They are certificates representing the ownership of share capital and a type of securities through which shareholders can obtain dividends and bonuses. Stocks have become an important target for family investment.

3. Investment funds. Many people want to invest in the stock market, but they don't know how to choose stocks that suit them. The best way is to entrust experts to make investment choices on their behalf. This investment method is a fund. Investment funds refer to raising numerous and uncertain social idle funds through the form of trusts, contracts or companies through the issuance of fund securities to form trust assets of a certain scale, which are handed over to professionals from specialized institutions in accordance with the principles of asset portfolio. Diversified investment is an investment tool in which profits are shared in proportion to the investment. Compared with other investment tools, the advantages of investment funds are expert management, scale advantages, risk diversification, and considerable returns. Purchasing investment funds by families is not only less risky, but also saves time and trouble. It is the best investment tool for family investors who lack time and professional knowledge.

4. Bond investment. Bonds are between savings and stocks. They have higher interest rates than savings and are less risky than stocks. They are more suitable for middle-income families with more idle funds. Bonds have the characteristics of fixed term, repayment of principal and interest, transferability, and stable income. They are very popular among conservative investors and the elderly.

5. Real estate investment. Real estate refers to real estate and real estate, that is, the collective name for the two properties of house and land. Since purchasing real estate is a very important investment for every family, families who want to invest in real estate should have a good financial plan; reasonably arrange the funds for purchasing a house and pay attention to changes in the real estate market at any time, so that when the price rises significantly, they can sell and cash out to obtain the price difference. Among various investment methods, the advantage of investing in real estate is that it can maintain its value. When inflation is relatively high, real estate prices also rise; moreover, real estate can be used as collateral to obtain loans from banks; in addition, investing in real estate can be used as a The family property is left to the children.

6. Insurance investment. The so-called insurance refers to a method in which the insurance company collects a certain premium from the policy holder in accordance with regulations, establishes a special insurance fund, and adopts a contract form to provide economic compensation for the policy holder's accidental losses and economic security needs. Insurance is not only a means of preparation beforehand and remedy afterwards, but also an investment behavior. The insurance premium paid by the policy holder in advance is the initial investment of this investment; after the policy holder obtains the right to claim, once a disaster occurs or protection is needed, he can obtain economic compensation from the insurance company, that is, "investment income"; insurance investment has certain Risk. Only when a disaster or accident occurs and causes economic losses can you obtain financial compensation. If the relevant situation does not occur during the insurance period, the insurance investment will be completely lost. The main types of home investment insurance include home property insurance and personal insurance. At present, major insurance companies have launched life insurance products such as capital linkage or dividend-sharing, which enable insurance to have the dual functions of investment and protection. Insurance investment is not the most important in home investment activities, but it is the most necessary.

7. Futures investment. Futures trading refers to the transaction form of a standardized contract in which the buyer and seller pay a certain amount of margin, conduct it through the exchange, and deliver a commodity of a specific quality and specification at a specific time and place in the future. Futures trading is divided into two categories: commodity futures and financial futures. You should be cautious when choosing futures trading.