Designing an investment portfolio requires understanding many aspects, such as your investment preference, risk level, asset size, and your optimal investment return curve. Based on these indicators, I will give you some superficial suggestions based on relatively little information. The world economic situation in 2008

It is not optimistic. Whether China's economy can stand alone in the world environment is not certain. All markets cannot be independent of the prosperity of the world economy. I recommend implementing a conservative investment strategy in 2008. You can invest in relatively safe bonds and monetary funds. The rise of gold

As the U.S. dollar continues to rise, it can be used as the main investment object. Bonds, as fixed-income securities, can be used as a relatively safe investment method. Real estate is not recommended to invest in real estate. As a vane of the economy, it will bear the brunt of the impact, so it is not recommended to invest in funds. There are broad and narrow senses.

In a broad sense, funds are a collective term for institutional investors, including trust investment funds, unit trust funds, provident funds, insurance funds, retirement funds, and various foundation funds.

Funds in the existing securities market, including closed-end funds and open-end funds, have the characteristics of income-generating functions and value-added potential.

From an accounting perspective, funds are a narrow concept, meaning funds with specific purposes and uses.

Funds are formed because investors from governments and public institutions do not require investment returns or investment recovery, but require funds to be used for designated purposes in accordance with legal provisions or the investor's wishes.

Gold personal investment gold varieties: standard gold.

Standard gold is the abbreviation of standard gold. It is a trading standard object required by the gold market to standardize on-site trading activities, internationalize pricing and settlement, and standardize clearing and settlement. It must be in the specified shape, specification, fineness, and weight.

Bar gold refined and processed into other elements.

gold.

Gold coin is the abbreviation of gold coin, which can be divided into broad and narrow sense.

In a broad sense, gold coins generally refer to all gold castings used exclusively for currency in commodity circulation, such as gold ingots, gold ingots, etc. In a narrow sense, gold coins refer to gold as the base material of currency that has been certified by the state and has the specified fineness and weight.

, a gold coin cast into a certain specification and shape and marked with its monetary face value.

gold jewelry.

Gold jewelry can also be divided into broad and narrow senses.

In a broad sense, gold jewelry refers to any decoration that contains gold, regardless of the fineness of the gold, such as gold cups, medals and other souvenirs or handicrafts, which can be included in the category of gold jewelry.

Gold jewelry in a narrow sense refers specifically to decorations made from gold materials with a fineness of not less than 58.

Gold account.

Gold account refers to a gold investment method provided by commercial banks for investors.

Paper gold.

Paper gold is also called gold certificate.

That is, the subject matter of the transaction between buyers and sellers in the gold market is a certificate of gold ownership rather than the physical gold. It is a warrant trading method.

Gold stocks.

Gold stocks, also known as gold mining company stocks, refer to listed or unlisted stocks issued publicly by gold mining companies to the public.

gold fund.

Gold funds are a type of mutual fund that specifically uses gold or gold derivatives as investment media to obtain investment income. Gold funds are divided into development funds or closed-end funds.

Gold financial account.

A gold financial account, also known as a gold management account, refers to an investor opening a gold financial account at a commercial bank, storing the purchased gold in the commercial bank's vault, recording it on the gold financial account, and handing it over to the commercial bank with full authority

Management and disposal, during the original investment income distribution period, the investment profits will be distributed by the commercial bank, the operator and manager of the gold financial account.

Gold margin trading.

Gold margin trading means that in the gold trading business, market participants do not need to transfer the full amount of gold traded, but only need to pay a certain proportion of the total gold transaction price as a performance guarantee for the physical delivery of gold.

In current world gold trading, there are both gold futures margin trading and gold spot margin trading.

The Shanghai Gold Exchange is also a margin trade, but it is only for its members.

This kind of margin trading is different from London spot margin trading and US futures gold margin trading. It is a spot gold trading.

Different from the London spot market, it has a fixed trading place and only acts as a trading medium for investors to facilitate transactions between investors. The exchange itself is not involved in gold buying and selling.

Different from the U.S. futures market, the trading subject matter of U.S. gold futures is a standardized gold sales contract, while the gold deferred settlement of the Shanghai Gold Exchange is a gold spot transaction.

Bonds are credit and debt certificates that governments, financial institutions, industrial and commercial enterprises and other institutions want to issue to investors when they directly borrow money from society to raise funds, and promise to pay interest at a certain interest rate and repay the principal according to agreed conditions.

The essence of a bond is a certificate of debt, which is legally binding.

The relationship between bond buyers and issuers is a bond-debt relationship. The bond issuer is the debtor, and the investor (or bondholder) is the creditor.

Bonds are a kind of marketable securities, which are bond debt certificates issued by various social economic entities to bond investors in order to raise funds and promise to pay interest regularly at a certain interest rate and repay the principal at maturity.