what is the right thing to do about investment and financial management?

The current inflation rate is far beyond people's imagination, reaching about 3%. Compared with the one-year deposit rate of 2.25%, it actually quietly devours our private property and our hard-earned money. The most powerful weapon against inflation is investment.

As for investment, there are five kinds of flowers and eight doors, all kinds of which are suitable and unsuitable, and specific problems need to be analyzed.

1. Real estate is usually the most valuable, but in the current environment, we should also be careful. The state's macro-control is to curb the overheating of real estate. But don't worry too much. From the general promotion of national development (gpd), local government revenue, employment in a series of industries, and the security of banks, I guess he won't dive from a high platform, and he can only gradually disintegrate by boiling frogs in warm water.

2. Stock is also a traditional investment tool. Although it has changed a little in China, there are also many treasures waiting for everyone to explore. There are different opinions about the mystery.

3. Fund, which is a good thing, can not only enjoy the development brought by the stock market, but also enjoy the stimulation brought by the stock market. However, the selection of funds is also slightly difficult and skillful. After all, funds include closed-end funds, open-end funds (index, stock, bond, capital preservation, currency, etc.), and for funds, we have no way to consult the information of the most important team, so we say.

4. Bonds, the most common one, national debt, are more popular, and the elderly all like him.

5. Insurance. Don't think of life insurance and auto insurance when you talk about this thing. In fact, investment products are also a main direction of insurance companies now, and dividend-paying products are emerging one after another, and you need to pick up gold with your eyes.

6. Gold, I have to say, as the saying goes, there are antiques in a prosperous time and gold in troubled times, but now ... it's hard to say whether it's a province or a city in troubled times. Is the price of gold soaring, the starting point or the end point? ......

7. Others, bank wealth management products, stamps, antiques, emeralds, mahogany, lottery tickets, etc., there are many small-scale and small-category products, but you must have a unique eye, otherwise, the tuition fee ...

If you need to make an investment planning portfolio, then my suggestion:

Suppose you win 5 lottery tickets.

1. A large amount of money is still invested in real estate of about 3 million yuan. By renting a house to get rent, the annual income is about 6%, which can overcome inflation and has good capital preservation performance. The key is not to get too hot in the lot.

2,-3,-yuan funds. If you don't know, buy the principal-guaranteed type. If you know, buy some others.

3, to 6, stocks. If you don't know this, buy something else that you know.

4,1, yuan for standby.

that's basically it. it's a more secure method, but it's safe.