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With 500,000 spare cash, what other ways to invest besides real estate and stocks?

Precious metals, insurance, bank financial products, antiques, funds and other common investment types in China: 1. Real estate.

Real estate investment refers to the investment behavior that uses real estate as the object to obtain income.

The objects of real estate investment are divided into urban houses and suburban houses according to the location; investment in existing houses and off-plan houses according to the delivery time; investment in first-hand houses and second-hand houses according to the seller; investment in residences and investment shops according to the property type.

2. Bonds.

Bond investment can obtain fixed interest income, and you can also earn the difference in market sales.

As interest rates rise and fall, investors can make greater profits if they can buy and sell at the right time.

3. Stocks.

Stock investment refers to the behavior of companies or individuals using accumulated currency to purchase stocks to obtain income.

The income from stock investment is composed of two parts: "income income" and "capital gains".

Income income refers to the dividends and bonus income that stock investors, as shareholders, receive from the company's profit distribution based on their share of shares.

Capital gains refer to the income that investors get from changes in stock prices, that is, the difference in income from buying stocks at a low price and selling them at a high price.

4. Precious metals.

Precious metal investment is divided into physical investment, leveraged electronic trading investment, and bank-type paper gold and paper silver.

Among them, physical investment refers to the process in which investors buy low and sell high to earn the price difference when they are optimistic about the precious metal market.

5. Insurance.

Insurance investment refers to the activity in which insurance companies use various accumulated insurance funds to increase the value of the funds in the process of organizing economic compensation.

6. Fund.

Fund investment is an indirect form of securities investment.

Fund management companies pool investors' funds through the issuance of fund shares, which are managed by the fund custodian (i.e. a qualified bank). The fund manager manages and uses the funds to invest in stocks, bonds and other financial instruments, and then assumes the responsibility

Invest risks and share profits.

7. Bank short-term financial products.

Wealth management products are designed and issued by commercial banks and formal financial institutions themselves. The raised funds are invested in relevant financial markets and purchased related financial products according to the product contract. After obtaining investment income, they are distributed to investors according to the contract.

Financial product.

8. Trust.

Trust is credit entrustment. Trust business is a legal act based on credit. It generally involves three parties, namely the trustor who invests credit, the trustee who is trusted by others, and the beneficiaries who benefit from others.

9. Collection of coins and antiques.

Antique trading is a currency transaction based on the antique market. Usually the users are antique collectors.

At present, under the trend of collecting antiques in the prosperous times, the antique industry has developed to a very popular peak, and antique transactions in various places are on the rise.