With the increase of residents' income and the implementation of consumption policies such as interest rate reduction, the doors of personal investment such as stocks, insurance, bonds, wealth management products, postal cards and jewelry have been opened to people. However, while investment brings benefits to people, it often means taking certain risks. Therefore, in the face of a wide variety of investment and wealth management products, individual investors should pay attention to the following "three principles and eight attentions".

One of the principles: tailor your clothes, and don't sacrifice the existing quality of life.

The second principle: let the husband sing along with the woman, and * * * should also sing along.

The third principle: we must adhere to safety first, safety first. According to their ability to take risks, they can invest their funds in several securities and industries with different risks. At the same time, we should pay attention to ensuring the legitimacy of investment behavior.

First attention: understand the national macro policy and grasp the "macro climate" of investment.

The second point: diversification of investment portfolio. Generally speaking, young people may want to bet more on high-tech stocks or emerging shopping malls, while old people tend to invest their money in blue-chip stocks. But it is wise to diversify your portfolio. Third note: monthly installment payment cannot exceed 50% of monthly income.

The fourth point: frugal housekeeping. Moderately frugal, reduce unnecessary expenses, the purpose is to make money spend on the cutting edge.

Fifth note: reduce high-cost liabilities.

Sixth note: properly carry out some venture capital. People with higher income, richer funds and certain knowledge of financial investment and financial management may wish to invest some money in different branches.

Seventh note: investment in collectibles may not necessarily appreciate, and only a small number of rare varieties will have greater room for appreciation.

Note 8: Take care of your family and look to the future.