This is the traditional practice adopted by ordinary families, accounting for the highest proportion. Savings and investment are safe and reliable, and can earn interest, but the rate of return is low, and interest tax should be paid. At the same time, deposit interest can't make up for the depreciation of funds caused by inflation.

The risk and return are the same: bonds.

Domestic bonds include government bonds, corporate bonds and financial bonds, and individual investors cannot buy financial bonds. Treasury bonds are regarded as "Phnom Penh bonds" because of the national financial guarantee. The security and liquidity of treasury bonds are the best among bonds, with basically no risk and relatively stable returns. Moreover, the national debt does not charge interest tax, and the income is higher than that of bank deposits of the same grade. In recent years, people's enthusiasm for buying government bonds is very high, so it can be said that the demand for government bonds is a little short of supply. Corporate bonds have a high interest rate, but they have to pay 20% interest tax, which has certain credit risks.

Guaranteed investment: insurance

As a purely consumer-oriented risk protection tool, insurance can give full play to the investment value of funds and provide adequate protection for family members as long as scientific insurance schemes are adopted.

Expert financial management: investment funds and trusts

Compared with personal financial management, fund and trust financial management belong to expert financial management, which saves time and worry and has higher income. Centralized personal funds are operated by professionals, who can make portfolio investment by virtue of their professional knowledge and experience and skills, avoid the blindness of personal investment, and achieve the purpose of reducing investment risks and improving investment returns. But its income is not fixed, and there are certain risks. The fund is suitable for long-term investment.

High-risk investment: stocks

This investment tool is the most profitable, fastest and largest. As far as China stock market is concerned, it can generally gain at least 25% or even several times, dozens of times and hundreds of times, but it is also risky, unstable and unsafe. If you don't pay attention, you may lose your money. Investment funds are less risky.

Real investment: collection

This kind of investment is not only safe and reliable, but also can cultivate sentiment, enhance life interest and improve quality of life. At the same time, it has great value-added potential, and its profitability is at least several times, even dozens of times, hundreds of times, even thousands of times and tens of thousands of times. But you have to have this knowledge, because not all collections have appreciation potential.

The luckiest investment channel: *

* It is a low-cost, interesting and entertaining investment. Its income is very dramatic and accidental, and the risk is generally zero. You may also get some returns, or you may win a big prize and suddenly get rich. This kind of investment is generally difficult to expect its return. It's better to treat it as a kind of entertainment, and don't expect too much.