With the development of China's national economy and the increasing personal income of residents, the financial needs of urban and rural residents are becoming more and more intense, and the demand for personalized financial investment planning is outstanding. The development of financial investment tools and the emergence of other investment varieties have continuously added luster to the investment market. After investigation, I have roughly listed more than a dozen personal investment tools or methods for designers to refer to when designing personal investment and financial planning:
1. Stock market: At present, there are more than 1400 stocks listed on Shanghai Stock Exchange and Shenzhen Stock Exchange for investors to choose from. After five years of tragic decline, the mainland stock market successfully bottomed out in 2005 and rose unilaterally in 2006. At present, the Shanghai Composite Index fluctuates around 3,000 points, and it should choose a direction in the near future.
2. Futures: The domestic futures market includes metal, agricultural products and energy futures investment instruments, which have hedging function and are arbitrage and speculative for participants; Financial futures contracts include stock index contracts, interest rate futures contracts and foreign exchange futures contracts. In China, such futures products are still in the research and development stage.
3. Funds: Funds have become the stars of domestic financial investment commodities in recent years. At present, there are dozens of domestic fund companies and hundreds of different types of funds, among which stock funds are the most prosperous, which is related to the strength of Shanghai and Shenzhen stock markets; Funds are divided into stock funds, monetary funds, bond funds and hybrid funds. Investment funds: first of all, we must determine the profit target; Second, we must control the real risks; Third, we must invest or speculate; Fourth, we must choose the right fund to enter the market.
4. Foreign exchange treasure transaction: All banks including Wenzhou Guangfa Bank set up foreign exchange treasure transactions. Through the fluctuation of currency exchange rates around the world, investors can increase the amount of money and finally achieve the effect of increasing the value of foreign currency investment. At present, it is difficult to change the trend of RMB's continuous appreciation against the US dollar, but it is less likely to appreciate rapidly and substantially. At the same time, considering the huge impact of RMB appreciation on international trade and domestic economy, the derivatives of RMB exchange rate may be considered by the national management.
5. Precious metal trading: including gold and silver, there are spot gold investments in the world, and domestic banks have paper gold or physical gold investment transactions. Gold is mainly determined by regional political conflicts, supply and demand changes, currency exchange rate, energy and other factors. 6. Art collection: it has a wide range of contents, complete categories, ancient and modern, Chinese and foreign, and diverse. Almost everything involved in human life and history, mainly porcelain, jade, metal objects, coins, stamp products, calligraphy and painting, etc. 7. Lottery: There are welfare lottery and sports lottery in China. With the development of gambling industry, lottery, as a speculative variety, will gradually show its investment function. For example, football lottery is very popular in Italy, and almost everyone buys it. However, lottery is too investment-oriented and gamification after all, and it is not appropriate for large funds to intervene.
8. Equity investment Equity investment means that we invest in enterprises by buying stocks of enterprises, or by using physical assets such as monetary funds and intangible assets, so as to obtain huge profits in a short period of time. After the purchased non-tradable shares are listed on the domestic and foreign securities markets; Of course, equity investment can also obtain investment income by sharing corporate income or dividends; Indirect economic benefits can also be obtained by controlling the product supply of the invested unit. Of course, if the investee can't go public or run poorly, it may bring huge losses to investors. It is particularly important to note that many lawless elements now take advantage of people's eagerness to get rich and engage in fraudulent equity investment. Investors should never be fooled.
9. Bond investment: In the current financial market, the classification of bonds is becoming more and more detailed, but generally there are national bonds, corporate bonds and financial bonds. Convertible bonds can be converted into other financial instruments under certain conditions, such as stocks.
10. investment insurance: buying investment insurance is a beneficial choice for personal investment. For example, universal life insurance has a "universal" function including investment.
1 1 spot trading: spot trading is a new thing in financial commodities, and the commodities involved in the business include agricultural products, metals, building materials, etc., and are traded according to the principle of "three publics".
12. Structured deposits: In any case, investors should keep a certain amount of deposits.
13. Personal entrusted financial management: Many banks in Wenzhou handle entrusted loans such as bank deposits.
14. Trust investment: Individual investors generally participate in fund trust.
15. Option investment: As the right to buy or sell a certain skill commodity at a certain price at a certain time in the future, it has the investment right. 16. Real estate investment: including investment in shops, houses, office buildings, ancillary facilities of buildings and land use rights. 17. investment in bonsai and high-grade orchids: also known as green shares.
18. Other alternative investments: such as quota speculation, coal speculation, Internet cafe license speculation, cotton speculation, chain brand management, etc.