Foreign exchange is the most fair, the least investment, the highest profit and the highest risk among the financial management methods that only compete with individual ability.
When the money we make is more and more worthless, when we feel that the wealth brought about by our efforts is constantly devaluing, in addition to the heartache, in addition to complaining, what can we do. Obviously, in addition to waiting for death, we can also try our best to maintain and increase the value of our assets through investment and financing, which can at least reduce some losses. Let's take a look at the channels of personal investment and financial management?
So, let's learn the following 10 ways of investment and financial management:
1. Bank deposit
Bank deposit is the safest and safest way of investment, but because of its low income, people only make a part of the fixed money as bank deposit. In the investment market with high risk, it will not lose too much and keep the principal and interest.
Advantages: low risk, safe property and guaranteed principal income.
Disadvantages: the income is too low, especially in today's increasing inflation, saving income can not even keep up with the speed of currency depreciation. As a result, more people choose other forms of financial tools.
Compared with real estate, jewelry, antique calligraphy and painting, the stock has good liquidity and liquidity; compared with bank savings and bonds, the stock price fluctuates greatly. The unpredictability of stock market risk exists after all. High return corresponds to high risk, and the requirements of psychological quality and logical thinking judgment ability are high. The stock price changes greatly, investors can not only want to make profits, but also have the psychological preparation and actual bearing capacity to lose money.
Advantages: the stock threshold is low, and the investment is flexible, but investors need to have certain economic knowledge.
Disadvantages: because the risk is unpredictable, stocks are more suitable for people with better economic conditions and a certain risk tolerance.
Compared with stocks, bonds usually have a fixed interest rate. The investment risk of bonds is smaller than that of stocks, the interest rate is higher and the income is stable. Treasury bonds are the most ideal investment channel for cautious investors whose income is not too high and who are likely to use their savings to meet the unexpected needs. If you have some spare money that you don't need to spend for a long time and hope to get more profits, but you don't dare to take too much risk, you can buy some corporate bonds boldly. Although the interest income of corporate bonds is subject to interest tax, the after tax income is still much higher than that of savings deposits in the same period.
Advantages: fixed income, considerable income when the interest rate is high; free circulation, not necessarily to maturity to repay the principal, can be realized at any time in the secondary market; can use the buyback and sell buy back agreements to flexibly allocate funds; there are different maturity dates to choose from.
Disadvantages: when interest rates rise, prices fall; the ability to fight inflation is poor. The security of bond investment principal depends on the credit of the issuing institution, and the profit is affected by interest rate risk and sometimes by inflation risk.
4. Foreign exchange
Foreign exchange investment can be used as a kind of auxiliary investment of savings. If you choose a stronger international currency to exchange and deposit it in the bank, you may get more opportunities. Foreign exchange investment requires a high level of hardware and requires investors to be able to understand the international financial situation. The time and energy consumed by foreign exchange investment are beyond the scope that the wage earners can bear. Therefore, this kind of investment is not realistic for most wage earners.
Advantages: the foreign exchange market is relatively clean for the stock market. The fluctuation is mostly affected by the relationship between supply and demand. It is predictable to a certain extent. Generally, it will not be controlled by groups or individuals and have sudden or large fluctuations. Moreover, due to the small fluctuation, the risk is relatively small. The yield is higher than that of bonds.
Disadvantages: because the volatility is small, the return of speculation is smaller than that of stocks. From the perspective of risk, due to the leverage operation in foreign exchange trading, the risk will be correspondingly expanded.
Funds are divided into stock funds and monetary funds
Stock fund: equivalent to take money to let professional fund companies for your stock speculation, fund companies charge a certain commission. And their own direct stock speculation is not different in essence.
Monetary Fund: the average annual yield is between 3.5% and 5%, with little risk and stable return.
Advantages: for the lack of professional knowledge of personal investment, the fund will undoubtedly help them save a lot of time and energy.
Disadvantages: there are many kinds of funds with different risks. Generally speaking, the higher the income, the greater the risk.
6. Real estate
Real estate is a relatively low-risk investment mode with great appreciation potential. However, due to the slow liquidity of real estate, long liquidation time and complicated transaction procedures, many people are also deterred. They think twice about the limited funds on hand and do not dare to sell. After the purchase of real estate, investors should act according to circumstances, and when the market is highly bullish, they should decisively cash out and obtain a large amount of price difference income.
Advantages: the house can not only be rented, but also be sold in appreciation. Under the continuous economic prosperity, the prospect of real estate investment appreciation is widely optimistic.
Disadvantages: real estate prices are easily affected by economic situation, policies and other factors. At the same time, the high price is not a small economic burden for investors.
Futures are similar to spot. But its margin is 1% - 10%, and its risk is infinitely enlarged. At the same time, the starting point of futures is relatively high, which requires at least 500000 initial capital, which limits most small and medium-sized investors.
Advantages: small and broad, convenient transaction, high efficiency, two-way operation, closing position at any time, high security, and guaranteed performance of the contract.
Disadvantages: great leverage and uncertainty of future spot market price make futures investment difficult to grasp.
There are five types of gold investment: real gold investment (gold bar), gold coin investment, gold jewelry investment, paper gold investment and gold futures investment. Investment in gold can make money, mainly to see appreciation. Although the price of gold will fluctuate slightly due to the international political and economic situation, it will rise steadily on the whole.
Advantages: the effect of gold value preservation is very obvious.
Disadvantages: the price fluctuation is big, the investment and financial management risk is also very big, the investment gold must be cautious.
Collection is not only an amateur cultural activity of self-cultivation, but also a way to get rich. It is a golden key to open the door of wealth.
Advantages: it has artistic value and great appreciation space.
Disadvantages: the requirements of professional knowledge and economic ability are very high, and the investment threshold is high. Risk is lower than stocks, but it can't be ignored.
Warren Butterfield of the United States said: "how much money a person can accumulate in his life does not depend on how much money he can earn, but on how he invests and manages money. It is better for people to change money than for money. You should know that making money work for you, not for money." Learn the above 10 ways of investment and financial management, money makes money is no longer a problem. But be careful: don't put your eggs in the same basket. You manage your finances and manage you. Different views of wealth bring you different world.
Some economists have said: if a person can invest, he may have a lot of money for a while; if a person can manage money, he may have a lot of money all his life.