Bank deposit is the safest and safest investment method, but because of the low income, people only use a part of fixed money as bank deposit, so in the risky investment market, they will not lose too much and break even.

Advantages: low risk, safe property and guaranteed principal income.

Disadvantages: the income is too low, especially in today's increasing inflation, and the savings income can't even keep up with the rate of currency depreciation. So more people choose other forms of financial management tools.

2. stocks

The unpredictability of stock market risk exists after all. High returns correspond to high risks, and the psychological quality and logical thinking judgment ability of investing in stocks are higher.

1) risk diversification principle

When controlling personal property, investors should remember: "Don't put eggs in one basket." Compared with real estate, jewelry, antique calligraphy and painting, stocks have good liquidity and strong liquidity; Compared with bank savings and bonds, stocks fluctuate more. Various investment channels have their own advantages and disadvantages. Avoiding risks as much as possible and maximizing benefits have become the two major goals of personal financial management.

2) the principle of doing what you can.

The stock price changes greatly, so investors should not only make profits, but also have the psychological preparation and actual tolerance for losses.

Advantages: low stock threshold and flexible investment, but investors need to have certain economic knowledge.

Disadvantages: Due to unpredictable risks, stocks are more suitable for people with better economic conditions and certain risk tolerance.

Step 3 combine

Compared with stocks, bonds usually set a fixed interest rate. The investment risk of bonds is smaller than that of stocks, with high interest and stable income. For cautious investors with low income who may use their savings at any time to meet unexpected needs, national debt is the most ideal investment channel. If you have some spare money that you don't need for a long time and want to get more income, but you dare not take too much risks, you can boldly buy some corporate bonds. 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 interest rates are high; Free circulation, no need to repay the principal at maturity, and can be realized in the secondary market at any time; You can use the repurchase agreement attached to the repurchase sale to flexibly schedule funds; There are different expiration dates to choose from.

Disadvantages: interest rates rise and prices fall; Poor anti-inflation ability. The security of bond investment principal depends on the issuer's credit, while the income is affected by interest rate risk and sometimes threatened by inflation risk.

4. Foreign exchange

Foreign exchange investment can be used as an auxiliary investment in savings. Choosing a stronger international currency to deposit in the bank may get more opportunities. Foreign exchange investment requires high hardware, requires investors to understand the international financial situation, and consumes more time and energy than the working class can bear, so this kind of investment activity is unrealistic for most working class.

Advantages: At present, the foreign exchange market is relatively clean for stocks, and the fluctuations are mostly affected by the relationship between supply and demand, which has certain predictability. Generally, there will be no sudden or big fluctuation under the control of groups or individuals, and the risk is relatively small because of the small fluctuation. Compared with bonds, the yield will be greater.

Disadvantages: because of the small fluctuation, the return of speculation is smaller than that of stocks. From the perspective of risk, due to the leverage operation in foreign exchange transactions, the risk will expand accordingly.

5. Funds

Funds are divided into stock funds and monetary funds.

Equity fund: It is equivalent to giving money to a professional fund company to buy stocks for you, and the fund company charges a certain commission. It is not much different from the essence of direct stock trading.

Monetary Fund: Generally, the annual rate of return is between 3.5% and 5%, with little risk and stable income.

Advantages: For individuals who lack professional knowledge, the fund will undoubtedly save them a lot of time and energy.

Disadvantages: There are many types of funds and different risks. Generally speaking, the higher the income, the greater the risk.

6. Real estate

Relatively speaking, real estate is also a low-risk investment with great appreciation potential. However, due to the slow liquidity of real estate, the long time to realize it and the complicated transaction procedures, many people are also discouraged and dare not act rashly because of the limited funds at hand. After buying real estate, investors should improvise, cash out decisively when the market is sharply bullish, and get a larger spread income.

Advantages: the house can be rented or sold for appreciation. With the sustained economic prosperity, the prospect of real estate investment appreciation is widely optimistic.

Disadvantages: the price of real estate is easily influenced by economic situation, policies and other factors, and high price is also a great economic burden for investors.

7. Futures

Futures are almost the same as spot. But its margin is 1%- 10%, and the risk is infinitely magnified. At the same time, the starting point of futures requirements is relatively high, with an initial capital of at least 500,000, which limits most small and medium investors.

Advantages: small and wide, convenient transaction, high efficiency, two-way operation, liquidation at any time, high security and guaranteed contract performance.

Disadvantages: The huge leverage and the uncertainty of the future spot market price make it difficult to grasp the futures investment.

8. golden

There are five forms of gold investment: real gold investment (namely gold bars), gold coin investment, gold jewelry investment, paper gold investment and gold futures investment. Investing in gold can make money, mainly because of 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 role of gold preservation is very obvious.

Disadvantages: the price fluctuates greatly, and the risk of investment and financial management is also great, so it is necessary to be cautious when investing in gold.

9. Collectibles

Collection is not only an amateur cultural activity of self-cultivation, but also a way to get rich and a golden key to open the door to wealth.

Advantages: It has artistic value and great appreciation space.

Disadvantages: collectible investment requires very high professional knowledge and economic ability, and the investment threshold is high.

10. peer-to-peer network

"P2P" means "person-to-person", which is a new generation of private lending form closely related to innovative technologies and innovative financial models such as the Internet and microfinance. It provides transparent, open, direct and safe micro-credit transactions for familiar or unfamiliar individuals to the maximum extent, and is young, innovative, cautious and low-key.

High income and low threshold.