Summary of current analysis of household investment and financial management behavior in my country: The selection, combination, and adjustment behavior of household investment and financial management can be defined as the family's demand preference and investment tendency for a certain type or certain types of assets. This article discusses this aspect of household investment and financial management. The behavior is analyzed, and how family investment and financial management obtains income and the risks of family investment and financial management and their avoidance are analyzed. I hope it will be helpful to the practice of family investment and financial management. Keywords: family investment and financial management, behavior analysis, investment income, investment risk With the development of our country's economy, the improvement of people's living standards, and the continuous increase of household financial assets, investment and financial management have become an increasingly important issue. Family investment and financial management is the effective investment of personal assets based on risks, so as to maintain and increase the value of wealth, and to To resist economic risks in social life, whether it is savings investment, stock investment, foreign exchange, or insurance investment, due to the increasing number of investment types, the required professional knowledge is also different, and it is difficult to fully master the investment methods. The family's asset selection, Combination and adjustment behaviors are defined as the family's demand preference and investment tendency for a certain type of assets or certain types of assets. This article analyzes this behavior of family investment and financial management, and discusses the ways to win in family investment and financial management and how families The risks of investment and financial management and their avoidance are analyzed, hoping to be helpful to the practice of family investment and financial management.

1. Choice of family investment and financial management (1) The necessity of making family investment and financial management choices When families invest, the first thing they face is the choice of investment methods and fields. Generally, the income and risk of assets and the mutual constraints should be considered as the basic consideration.

Click, select a certain asset or assets, and decide the amount and proportion of investment.

Before the reform and opening up, in the eyes of most Chinese people, "investment and financial management = bank = savings office", personal financial investment only brought "saving money and earning interest" to the people.

Today's common people not only have the ability to "wear gold and silver", but their personal disposable income has also reached tens of thousands of yuan.

New investment varieties have gradually become an integral part of personal investment and financial management.

Emerging personal investment and financial management tools such as financial futures and financial options are emerging in endlessly, which have a great impact on modern personal financial management investment portfolios.

Among the many methods of asset selection, it is an asset selection strategy under depressed market conditions to promptly guide households to take advantage of the slump in the capital market, raise social hot money at a lower cost, and choose a suitable method for rational investment.

For example, the Chinese stock market was very depressed before 2006. There were many clear-headed and far-sighted investors who dared to borrow money from their relatives and friends at an interest rate of two cents and raise unexpired bank time deposit certificates. They used the deposit certificates for

They took mortgage loans from banks and deposited the loans and borrowed funds into the bank to buy stocks. Due to their accurate grasp of investment opportunities and appropriate choice of investment methods, in less than a year, the stock market boomed in the second half of 2006, and they gained profits from buying stocks.

The rate reached 100% and achieved staggeringly high returns.

Theoretical and empirical analysis shows that households' selection criteria for assets are mostly based on bringing about new income in the near future or an increase in the relative amount of income.

Diversify investments based on financial resources and abilities, but avoid blindly following the herd or borrowing money to invest.

Financial investment tools are generally divided into conservative ones such as bank deposits, growth-oriented ones such as bonds, funds, etc.; high-risk and high-yield ones such as futures, foreign exchange, real estate, etc.; and specialized knowledge-based ones such as stamps, jewelry, antiques, calligraphy and paintings, etc.

Diversify your investments as much as possible, but remember not to blindly follow the herd in investing. You should use your personal expertise to invest in as many diversified investments as possible to obtain maximum returns.

(2) Varieties of family investment and financial management At present, new investment varieties have gradually become an important part of personal investment and financial management.

Emerging personal investment and financial management tools such as financial futures and financial options are emerging in endlessly, which have a great impact on modern personal financial management investment portfolios.

Nowadays, the main types of home investment products include: 1. Bank deposits.

For ordinary people, deposits are the most basic way of investment and financial management.

Compared with other investment methods, the advantages of deposits are: diverse deposit varieties, flexibility, value-added stability, and security.

After deciding to make a savings deposit, investors are faced with the choice of deposit term structure.

Investors mainly choose whether to deposit current deposits or fixed deposits. In fixed deposits, whether to save for only one year or longer depends mainly on future income and expenses, as well as the expectation and grasp of other better investment opportunities in the future.

2. Stock investment.

Among all investment tools, stocks (common stocks) can be said to be one of the investment tools with the highest return, especially from a long-term investment perspective. No publicly listed investment vehicle provides higher returns than common stocks.

Stocks are certificates issued by a joint stock company to shareholders in order to raise their own capital. They are certificates representing the ownership of share capital and a type of securities through which shareholders can obtain dividends and bonuses. Stocks have become an important target for family investment.

3. Investment funds.

Many people want to invest in the stock market, but they don't know how to choose stocks that suit them. The best way is to entrust experts to make investment choices on their behalf. This investment method is a fund.