Among the investment plan evaluation indicators, the internal rate of return, net present value, and profit index all consider the time value of funds.
The investment plan is also called the "capital expenditure plan". It is the specific arrangement regarding capital expenditure time and capital investment amount in the capital expenditure decision-making process. The amount of capital expenditure is large and the cycle is long. Whether it can be used rationally will have a greater impact on the expenditure during the construction period of the relevant project and its operating conditions and profitability after it is completed and put into production.
When choosing an investment plan, in addition to carefully considering the technical advancement of the project, we must also focus on comparing the economic effects of alternative plans, using some specific technical methods, and through quantitative analysis and comparison. , to select the most economically advantageous solutions. The selected investment plan should be summarized in a timely manner as a capital expenditure budget. Its main content is to list the annual amount of funds for the relevant investment plan and the total amount of funds that need to be invested in each year, so as to plan the corresponding funding sources as required. .
Investment varieties:
1. Real estate. Many people invest in real estate, and a family buys n suites and waits for the appreciation in value.
2. Bonds. Bonds include treasury bonds, financial bonds, and corporate bonds. This is lower risk than stocks, but the returns are also lower. You can choose compound interest. Treasury bonds are not available to many people. They are called "gilt bonds" with good reputation, good interest rates and low risk. Financial bonds have relatively higher risks, and corporate bonds have the highest risks and highest returns.
3. Stocks. China's stock market dropped from more than 6,000 in 2008 to more than 2,000 in 2011, and the economy is growing but the stock price is not rising. The stock of such a great company as PetroChina is not good. Buffett made a gorgeous exit from PetroChina after making 3.5 billion US dollars. . Some people say that China's stock market is very similar to Japan's. It will never reach a high point again and will only hover around 3,000. Maybe it has something to do with the powerful power of the Chinese government. It is also related to the Chinese people’s mentality of following the herd and fearing trouble.
4. Precious metals. It has been relatively hot in recent years. "Buy gold in troubled times". In the face of the financial crisis, the European debt crisis, too many unstable factors in the world, and China's severe inflation, many people are turning to gold, a material that is universal and has stable value. Banks have many gold products, such as gold bars, paper gold, and gold T+D. Many people also sell gold overseas through some channels, but they are likely to encounter black platforms and their money will be stolen by the companies that operate the platforms. The only gold trading institution recognized by China is the Shanghai Gold Exchange. China's hot spot is speculating on silver, which requires relatively little investment, while gold requires more capital.
5. Fund. A fund refers to a certain amount of funds established for a certain purpose. It mainly includes trust investment funds, provident funds, insurance funds, retirement funds, and various foundation funds. What people usually call funds mainly refers to securities investment funds.