stock is a direct investment tool, because its investment direction is used for the production and operation of enterprises, while the investment direction of funds is to invest in securities such as stocks, so funds are indirect financial tools.

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Indirect investment refers to the investment in which investors use their capital to buy corporate bonds, financial bonds, company stocks, etc., and all kinds of securities in the expectation of obtaining certain income. Because its investment form is mainly to buy all kinds of securities, it is also called securities investment.

Compared with direct investment, investors who invest indirectly generally only have the right to get certain income on a regular basis, except for stock investment, but have no right to interfere with the specific application of this part of investment and its management decision-making by the investee; The capital of indirect investment is flexible, and it can be transferred or resold at any time, and other assets can be replaced to seek greater benefits; It can reduce the risk of investment losses due to changes in the political and economic situation; It can also be used as a bargaining chip for the central bank to buy or sell when it takes open market business to balance the tightness of money.

Both direct investment and indirect investment belong to investors' purchase behavior of assets that can bring expected benefits, but they are substantially different:

Direct investment is the unity of capital owners and users, and the unified movement of asset ownership and asset management rights, which is generally a production undertaking and will form physical assets; Indirect investment is the decomposition of capital owners and capital users, and it is the separation movement of asset ownership and asset management. Investors have no direct ownership and control over enterprise assets and their operations, and their purpose is only to obtain their capital gains or preserve their value.

Personal investment method:

You can build a suitable investment portfolio according to your own risk tolerance, and at the same time control the matching relationship between risk and income. If you pursue stable income, you can invest in money market funds, which have the characteristics of good liquidity, low risk and stable income, and the entry threshold is relatively low.

Choose the types of bank deposits reasonably and optimize the use of funds. At present, many banks have launched micro-finance products, such as the "Qian Shengqian" of a joint-stock bank, which is a kind of wealth management service that provides the main cardholders with a variety of optimized combinations of demand, lump-sum deposit and withdrawal. It can automatically change the deposit funds from demand to fixed deposit according to the deposit portfolio scheme selected by customers, avoiding repeated selection and operation between the two, maximizing the deposit yield and realizing easy financial management.

if conditions permit, you can obtain "passive" income from real estate, such as rental income.

Try some new investment varieties appropriately, such as "paper gold". In recent years, many gold investors have achieved an annual rate of return of about 1%. The entry threshold of "paper gold" is relatively low, which is a good financial choice. However, it should be noted that this kind of investment requires high professionalism, and investors need to have certain investment knowledge before they can operate.

if you choose a credit card as a means of payment, you can also "many a mickle makes a mickle". Usually, credit cards have an interest-free repayment period of about 5 days, and reasonable use of cards can also earn a lot of interest.