2. Monetary Fund. At present, the overall rate of return of the money fund is not very high, and the annualized income is about 2.5%.
3. Structured deposits. Structured deposits and wealth management products are two different products with different investment channels and risks, but the expected rate of return is not much different. The expected rate of return on 1 year structured deposits is only about 4%.
4. invest in stocks. The stock market is the easiest to get started and the easiest to enter. 300,000 yuan a year and 70,000 yuan in income are not unusual in the stock market. But it is also difficult to achieve a stable annual rate of return of 24%.
There are many types of investment and financial management, mainly including the following 12 aspects:
1, trust
Trust financial management is a kind of property management system, and its core content is "entrusted financial management". Specifically, it refers to the act that the trustor entrusts his property rights to the trustee based on his trust in the trustee, and the trustee manages or disposes in his own name for the benefit of the beneficiary or for a specific purpose according to the wishes of the trustor.
2. Internet fund sales
If a fund sales institution cooperates with other institutions to sell wealth management products such as funds through the Internet, it shall earnestly fulfill its risk disclosure obligations and shall not solicit customers by committing illegal gains. Fund managers should take effective measures to prevent maturity mismatch and liquidity risk in asset allocation.
3. Internet insurance
Insurance companies should follow the principles of safety, confidentiality and stability when conducting Internet insurance business, strengthen risk management, improve internal control system, and ensure transaction security, information security and capital security. Professional Internet insurance companies should adhere to the basic orientation of serving Internet economic activities and provide targeted insurance services.
4. Gold speculation
Since the Bank of China launched the "Huang Jinbao" business for individual investors in Shanghai, gold speculation has been a hot spot in the personal financial market, attracting investors' attention and favor.
5. Funds
Since the successful issuance of the first batch of closed-end funds in 1997, the funds have been highly praised by domestic individual investors. By the end of 20 12, funds have obviously surpassed deposits in financial analysis and become the top priority in many aspects of investment and financial management.
6. Stock trading
Some experts have analyzed that the future situation of capital supply and demand is relatively optimistic, which is undoubtedly a shot in the arm for the capital-driven stock market. In addition, the CSRC has put forward stricter requirements for the performance calculation and financing amount of listed companies, and strengthened the regulation of the stock market, which will bring profit opportunities to investors.
7. National debt
There are many varieties in the national debt market, and investors have many choices. New attempts and reforms have also been made in the way of issuing treasury bonds, which has further improved the marketization level of issuing treasury bonds and minimized the interference of non-marketization factors.
Step 8 combine
20 13 may accelerate the issuance of corporate bonds, corporate convertible bonds, floating interest rate bonds, bank subordinated bonds, etc. Will become a good investment variety. In addition, China Banking Regulatory Commission will include subordinated term debt in tier 2 capital to supplement the capital composition of commercial banks, which will make the prospect of issuing bonds by banks brighter, which will once again add fuel to the fire in the bond market.
9. Foreign exchange
With the continuous decline of the exchange rate of the US dollar, more and more people have made a lot of money through personal foreign exchange transactions, and the foreign exchange market was once extremely hot. A variety of foreign exchange wealth management products have also been launched, such as foreign exchange of commercial banks, foreign exchange treasure of China Bank and Agricultural Bank. For investors to choose.
10, insurance
Once income-based insurance is introduced, it is highly sought after by people. Generally, there are many types of income insurance, which not only has the most basic protection function of insurance, but also can bring investors a lot of income, which can be described as a win-win situation for protection and investment. Therefore, the purchase of income insurance is expected to become a new hot spot for personal investment and financial management.
1 1, P2P financial management
"P2P" means "person-to-person", which is a new generation of private lending form closely related to innovative technologies and innovative financial models such as the Internet and microfinance. This form provides transparent, open, direct and safe micro-credit transactions for familiar or unfamiliar individuals to the maximum extent. It is young, innovative, cautious and low-key.
12, futures
We should pay attention to three "quantities" in futures investment and financial management, namely: initial inventory, current output and current import.
Opening inventory refers to the physical quantity of goods accumulated in the previous year or quarter for the society to continue to consume. Current output refers to the commodity output of this year or this quarter. The import volume in this period is a supplement to domestic production, and usually changes with the change of supply and demand balance in the domestic market.