Twelve financial management methods are: \x0d\ 1. Breakdown of gold speculation: \x0d\ 1 physical gold \x0d\ It is safest to hold it in your hand \x0d\ At present, many banks such as ICBC, ABC and CCB sell physical gold, such as CCB's "CCB Gold". \x0d\ Besides banks, shopping malls and gold brand stores are also good choices. Many investors use hoarding strategy after buying physical gold. They are playing the golden abacus: buying gold bars can not only fight inflation, but also accumulate rich pensions; It can also be passed on to future generations, and inheritance tax can be avoided. \x0d\x0d\ 2 Paper gold \x0d\ has low threshold and lower cost \ x0d \ It is understood that many banks have started paper gold business at present, such as ICBC's "Gold Expert", CCB's "Account Gold" and BOC's "Huang Jinbao". The so-called "paper gold" is a kind of financial management tool with virtual value. It is impossible to extract physical gold bars and earn the price difference of gold price fluctuations by buying low and selling high. \x0d\ The investment threshold of paper gold is relatively low. Investing in paper gold is like buying and selling stocks, and there is no physical delivery. Recently, ICBC also launched the "Cumulative Fund" No.2, which is similar to the fixed investment of the fund. You can purchase gold at a fixed monthly deduction, and you can apply for physical gold withdrawal when you reach a certain gram. \x0d\3 Gold T+D\x0d\ Two-way trading can be leveraged \x0d\ The biggest feature of gold T+D trading is that both bulls and bears have the opportunity to make money. In addition, because of the implementation of margin trading, gold T+D trading has leverage amplification. At present, ICBC, Minsheng, Xingye, China Merchants Bank and other banks have opened this business. \x0d\ Gold T+D trading is a long-short two-way selection mechanism, regardless of market fluctuations, with great profit opportunities and high risks. Suitable for investors with high risk tolerance and certain professional knowledge. At the same time, investors need to do a good job in fund management to avoid Man Cang operation. \x0d\4 Gold fund \x0d\ Minimum threshold 1000 yuan \x0d\ With the recent international spot gold price hitting record highs, gold fund is also a "shortcut" to participate in gold investment. Compared with other gold investment channels, the advantage of buying gold funds is that the starting point is low, and the minimum investment is 1 0,000 yuan. \x0d\\x0d\5 Gold-linked products \x0d\ Gold price rise may not be profitable \x0d\ Structured wealth management products linked to gold issued by banks usually start from 50,000 yuan or more. However, this kind of structured product is designed by the bank. Whether it can be profitable or not is not directly proportional to the increase of gold price. \x0d\6 gold futures \x0d\ standardized contract suitable for professional investors \x0d\ gold is the subject matter of the contract. Gold futures adopt the margin system, and the leverage ratio is generally around 10 times. The price fluctuation risk of gold futures is also much higher than that of physical gold and paper gold. Therefore, gold futures trading requires strict management of funds, real-time market making and short-term operation. Gold futures are suitable for professional investors. \x0d\7 The fluctuation range of gold stock \x0d\ is greater than the price of gold \x0d\ The performance of gold stock has a strong correlation with the price of gold, with a large fluctuation range. At present, the gold stocks listed on the A-share market mainly include Shandong Gold, Admiralty Gold and Zijin Mining. It is recommended to focus on gold stocks with relatively low valuations. \x0d\\x0d\ II。 Fund \x0d\ Since the successful issuance of the first batch of closed-end funds in 1997, the fund has been highly praised by domestic individual investors. In 20 12 years, funds have obviously surpassed deposits and become the top priority of many investment and financial management points. According to relevant data, the net value of domestic funds has reached nearly 200 billion yuan in 20 13 years, accounting for more than 10% of the circulating level of A shares. Many investors are still very optimistic about the advantages and characteristics of the fund, such as stable income and low risk, and hope to obtain ideal income through the investment of the fund. \x0d\ Seven tips for fund financing: \x0d\ First, correctly understand the risks of the fund and buy a fund type that suits your risk tolerance. Second, the choice of funds can not be greedy and cheap. Many investors will choose funds with lower prices when buying funds, which is a wrong choice. Third, the new fund is not necessarily the best. In the mature foreign fund market, newly issued funds must have their own characteristics, otherwise it will be difficult to attract investors' attention. However, many domestic investors only buy new funds, thinking that they only issue new funds with a face value of 1 yuan, which is the cheapest. Fourth, the fund with more dividends is not necessarily the best fund. Fifth, don't just stare at open-end funds, but also pay attention to closed-end funds. Sixth, carefully buy split funds. Seventh, investment funds should be long-term. Buying a fund is to admit that experts are better at managing money than themselves, so don't speculate on funds like stocks, or even redeem them after earning the difference. We should trust the fund manager's judgment on the market. Third, buying stocks means buying listed companies and China's economic growth. The supply and demand of domestic stock market funds is relatively optimistic, which is undoubtedly a shot in the arm for the capital-driven China stock market. In addition, China Securities Regulatory Commission has put forward stricter requirements on the performance calculation and financing amount of listed companies, and strengthened the supervision of the stock market, which will bring profit opportunities to investors. But in any case, the biggest feature of the stock market is uncertainty, opportunities and risks coexist. Therefore, investors should continue to be cautious and seize opportunities before investing. \x0d\ IV。 Futures \x0d\ generally refers to futures contracts, that is, standardized contracts \x0d\x0d\ financing \ x0d \ formulated by futures exchanges and agreed to deliver a certain amount of subject matter at a certain time in the future. This subject matter, also known as the underlying asset, can be a commodity, such as copper or crude oil, or a financial instrument. If the buyer of a futures contract holds the contract until the expiration date, he is obliged to buy the subject matter corresponding to the futures contract; If the seller of a futures contract holds the contract until it expires, he is obliged to sell the subject matter corresponding to the futures contract (some futures contracts do not make physical delivery but settle the price difference when they expire). For example, the expiration of stock index futures is the final settlement of the futures contract in the opponent according to a certain average of the spot index. Of course, traders of futures contracts can also choose to reverse the transaction before the contract expires to offset this obligation. \x0d\ V. National debt \x0d\2005 was a year of innovation in the national debt market, which not only increased the variety of national debt, but also gave investors more 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. In addition, the secondary market of national debt will also become the development focus in 20 14 years. It can be seen that this series of innovative actions of national debt will certainly bring more investment choices and greater profit space for investors. \x0d\ VI。 Savings \x0d\ Over the years, savings, as a traditional financial management method, has long been deeply rooted in people's hearts. Most residents still regard savings as the first choice for financial management. On the one hand, the inflow of foreign capital into China is still strong, and the supply of basic money in China has increased; On the other hand, in order to moderately control the rise of price index and inflation rate, the government adopted the means of raising interest rates, and the floating range of interest rates was further expanded. The rise in interest rates will certainly stimulate the increase in savings. \x0d\ VII。 Bond \x0d\ The bond market is unexpectedly hot. There are indications that the issuance of corporate bonds may still accelerate in 2005, such as convertible bonds, subordinated bonds of floating rate notes and banks. Will become a good investment variety. In addition, the China Banking Regulatory Commission will include subordinated term debt in tier 2 capital to supplement the capital structure of commercial banks, which will make banks ready to issue bonds, which will once again add fuel to the fire in the bond market. \x0d\ VIII。 Trust \x0d\ Trust financial management is a kind of property management system, and its core content is "entrusted by the trustee to manage money on his behalf". 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. In 20 10, the issuance scale of the trust market was 3 trillion, with an annual growth rate of over 30%. Trust products are products issued by trust institutions and sold through banks, securities companies and professional independent financial management companies. The income of trust wealth management products can be fixed or floating. The mainstream products in the market are still dominated by fixed rate of return, with an annual income of 9- 13%, which is the biggest selling point of trust wealth management products. Trust plan products are generally infrastructure trust plans with excellent qualifications and stable income, and most of them are guaranteed by third-party banks, which is slightly safer than simple trust investment projects. At the same time, in the process of investment, banks will constantly monitor and track the trend of loans to avoid the investment risks of trust projects to the greatest extent. Advantage Wealth Management Center and noah wealth, which are influential in the market, are mainly engaged in trust products. \ x0d \ x0d \x0d\2009, the China Banking Regulatory Commission issued the Notice (Discussion Draft) on Strengthening the Active Management Ability of Trust Companies, clearly stating that the purpose of this document is to "guide trust companies to develop active management trusts, improve their core competitiveness, achieve connotative growth and promote the sustainable development of the trust industry." However, the document mainly aims to guide trust companies to get rid of the "pipeline" passive management business model, and strive to enhance their independent management capabilities in securities investment business, asset transfer business, trust loan business and so on. 20 10 "measures for the management of net capital of trust companies" was promulgated; 20 1 1 Issued the Notice on Matters Related to the Calculation Standard of Net Capital of Trust Companies. The Measures for the Administration of Net Capital of Trust Companies put an end to the mode that trust companies rely on unlimited scale to expand profits. This policy ended the "pipeline business" of trust companies in a certain sense, forcing trust companies to embark on the road of self-management, which is also a beginning for trust companies to embark on the road of wealth management. In the understanding of wealth management, many trust companies put the first step on the construction of channels. As a result, a large number of "trust companies are wealth management centers" were established. The foundation of wealth management is to know customers. In this sense, whether it is because of the stimulation of wealth effect or the restriction and guidance of policies, it is an inevitable step for trust companies to build their own marketing team by establishing wealth centers, get rid of channel dependence, and understand and master customer needs through direct contact with customers. However, it must be clear that, in essence, the wealth management business is customer-centered, aiming at designing a comprehensive financial plan for customers and meeting their financial needs. Generally speaking, the wealth management business is product-centered, with the purpose of better selling its own wealth management products. Therefore, the purpose of establishing a sales team is not only to let trust companies get rid of channel dependence and directly grasp customers, but more importantly, to let trust companies know customers through their own direct sales, so as to tailor products to meet customers' needs. It can be seen that if the trust company's direct sales team is established only because of the stimulation of wealth effect or policy constraints, it will simply turn the trust company's direct sales team into a "third-party financial institution" focusing on selling products, which will make the trust company's transition to wealth management narrower and narrower, and turn wealth management into simple sales products. Strictly speaking, wealth management without investment ability is illusory. Improving the investment ability of trust companies through independent management is an important step towards wealth management. Therefore, relying on your own direct selling team to study, develop and even guide customers' needs and turn this demand into products is the real way of wealth management. \x0d\ Importantly, many trust company executives have realized this. It is only the first step for trust companies to develop exclusive channels and directly master a group of high-net-worth customers. Next, they need to integrate various resources to provide customers with real wealth management services. The development thinking of Shanghai Trust from 20 10 to 20 14 is clear: focusing on wealth and asset management, improving active management ability, and taking reform measures in personnel allocation, system upgrade, operation process and seed fund cultivation to ensure the improvement of Shanghai Trust's active management ability. Ping An Trust has established a multi-dimensional development platform for products, channels and systems. 20 13 foreign trade trust establishes its own wealth management center. Fan Huaming, assistant to the general manager of the company, said that foreign trade trusts hope to transform into wealth management services for high-net-worth people, which is different from the previous trust companies selling collective fund trust products through various channels. \x0d\ In fact, almost all financial institutions are conducting wealth management business in the name of wealth management. The reason for this description is that the difference between wealth management business and wealth management lies in product-centric or customer-centric. Under the background of separate operation, it is impossible for any financial institution to be completely customer-centered; In order to meet the all-round needs of customers, only mixed trust companies can do this, which is the biggest advantage for trust companies to enter the wealth management market. \x0d\ IX。 Foreign exchange \x0d\ Foreign exchange has just entered the Chinese mainland market, so the market prospect is very broad. Take the global daily turnover \x0d\x0d\ wealth management \ x0d \ barter volume as an example, which is about $3.6 trillion per day. There are profit opportunities when foreign exchange rises or falls, but for stocks, only rising can make money. When making capital investment, foreign exchange only needs 0.33% capital investment, while the capital investment of stocks is 100%, which increases the risk. Controllable ability, foreign exchange is traded by people all over the world, so it is not controlled by large institutions or countries. Even a country with strong economic strength can't enter the foreign exchange market for one year's GDP. Foreign exchange is only affected by a country's timely news and policies, while stocks are often controlled by companies and other institutions or shareholders. Trading is more free. Foreign exchange trading hours are 24 hours a day from Monday to Friday, and you can buy and sell at any time. The trading time of stocks is about 7 hours a day from Monday to Friday, so there is little freedom to buy on the same day and not sell on the same day. A good investment method is more rational, freer, more profitable and more controllable than putting money in the bank, buying stocks and doing business. \x0d\ The continuous decline of the exchange rate of the US dollar has made more and more people gain a lot of money through personal foreign exchange transactions, which also made the foreign exchange market extremely hot for a time. Various foreign exchange wealth management products have also been launched one after another, such as the foreign exchange of commercial banks, the foreign exchange treasure of China Bank and Agricultural Bank, and the American Express Huitong of China Construction Bank for investors to choose from. 20 14 China government will continue to adhere to the principle of RMB stability, and take measures such as linking RMB to foreign exchange and increasing the autonomy of enterprises in foreign exchange to promote the healthy development of the foreign exchange market. Therefore, according to experts' analysis, 20 14 investment in the foreign exchange market will have greater room and opportunities for profit. Foreign exchange investment can be automatically traded through foreign exchange, with high returns, ease and stability. \x0d\ X. Insurance \ x0d \ Compared with other tepid insurance markets, income-based insurance has been sought after by people since it was launched. 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. \x0d\ XI。 Bank products \x0d\ bank wealth management products are also an important item, and bank wealth management products are also a big investment for people to make \x0d\x0d\ wealth management \ x0d \ daily investment. Compared with stocks and funds, bank wealth management products have the characteristics of high threshold and slightly poor liquidity. When choosing wealth management products, we should not only consider our own investment preferences and wealth management needs, but also properly consider the influence of the external factor of the market on the "trend" of wealth management products. \x0d\ XII。 Jewelry \x0d\ Jewelry is certainly no stranger to us. Since ancient times, the word jewelry has often appeared in people's life vocabulary. At present, with the improvement of people's living standards and aesthetic ability, jewelry is rapidly entering thousands of households. Nowadays, internationally recognized and certified jewelry also has strong investment and financial value. Take diamonds as an example. Generally, diamonds with a score above 15 have the value of maintaining and increasing value.