At this stage, financial management means are changing with each passing day, and the investment varieties are also rich and colorful. You can comprehensively evaluate your financial resources and risk tolerance, and then choose the investment products that suit you.

Savings deposit: safe and reliable. The biggest feature of savings deposit is safety and stable income, but the disadvantage is low interest rate.

Bond investment: steady and steady. Bonds have higher returns than deposits, but lower risks than stocks.

At present, there are not many kinds of bonds available for Chinese residents to invest, mainly including national debt, corporate bonds and convertible bonds. In the economic crisis, capital preservation is very important, and gold is the secret of bargaining money for buying a house. Residents' financial needs are very hungry and stable, so they should always be on guard against the emergence of black swans.

Stock investment: beware of risks. Although the returns of stocks are sometimes much higher than those of bonds, the risks are also far greater than those of bonds.

Foreign exchange investment: spend more energy. Foreign exchange investment has good liquidity, convenience, low risk and lower income than the stock market, but it needs to invest a lot of energy. It is necessary to keep abreast of the economic and financial information, data and changing trends of various countries.

Buy insurance: value preservation and disaster prevention. The traditional savings insurance has poor profitability and liquidity. In recent years, insurance companies have introduced some investment insurance, which has improved the investment income, but also increased the risk of investors.

Investment fund: expert financial management. The risk of a fund is smaller than that of a stock, so you can buy a fund to realize a portfolio that was previously unattainable, so that the risk and income can be better combined.

Trust and investment: managing money for yourself. Different from funds, trusts can invest in industrial funds and industrial funds, and accept all kinds of professional fund trusts in kind, which is also a high-risk investment variety.

Futures investment: make big bets with small ones. The biggest characteristics of futures investment are small and wide, high returns and high risks. Investing in futures also requires very professional knowledge, which requires caution for ordinary wage earners.

Another kind of investment. Now people's collection has expanded from the initial postal service, currency and cards to works of art, but it should be noted that it takes a lot of time and energy and a lot of money to collect treasures.