Personal investment and financial management methods, these

With the continuous improvement of people's living standards, the expansion of stock exchanges, the increasing enrichment of commercial banks and retail businesses, and the general increase of the people, the concept of “financial management” has become popular. People are also more and more exposed to investment and financial management. Next, let us look at the main ways of personal investment and wealth management. 1. Investment that benefits from wealth-savings. Savings or deposits are popular investment behaviors for ordinary households and are the most commonly used investment method. Compared with other investment methods, savings are safe and reliable (protected by the Constitution), convenient procedures (all of the savings business), flexible in form, and inherited. Savings is a business in which banks mobilize and absorb the surplus monetary funds of residents through credit forms. After the banks absorb the savings deposits, they put the money into the social production process in various ways and make profits. As a cost of using savings funds, banks must pay depositors interest. Therefore, for depositors, participation in saving not only supports the country, but also allows the money money that they have saved to increase or maintain value, becoming a family investment behavior. 2, investment in peace of mind - insurance investment. The biggest fan is the future. No one can predict whether a family will encounter uncertainties such as accidental injuries, serious illnesses, and natural disasters. Insurance is a financial umbrella that allows families to pass risks to insurance companies, and even if there are accidents, the family can maintain a basic quality of life. Insurance investment may not be the most important in family investment activities, but it is the most necessary. The main incentives for the people to insure are: buy a long-acting reassurance (prevention of family life accidents), and at present, it is more important to think about danger (precaution of future risks), raising children and preventing old age, and investing in insurance. 3. Investing in pets - stock investment. Although the scope of interest tax collection also includes interest on individual stock accounts, the state will continue to implement the policy of temporarily exempting individual income tax on the income from stock transfer. Therefore, after interest taxation, cautious intervention in stocks is also an effective means of financial management. Deposit your current account into your personal stock account, and you can use this money to purchase new shares. If you are lucky, you will be able to make a profit when you sign the stock and throw it out. Even if there is no winning, there is still interest on the current period. If you are in a good economic situation and can withstand certain risks, you can also buy stocks in the stock secondary market. Gold, real estate and stocks are considered by economists to be the top three investment hotspots in the world today. A kind of securities issued by a stock company as a fund for the establishment of funds is a kind of equity certificate that proves that investors invest in shares and obtain dividends according to them. It has already entered thousands of households and has become an important target for many family investments. Stock investment has become a hot topic of everyday discussion among ordinary people. Because stocks are characterized by high returns, high risk, transferability, flexible trading, and convenience, they have become a powerful force supporting the development of the stock market. The return on stock investment can be reflected by calculating the stock investment return rate. 4. The organic combination of art and money - collectible investment. Reality Today, collection is not only a self-cultivating amateur cultural activity, it is a way to get rich, and it is the golden key to open the door. Among all kinds of collectibles, antiques, calligraphy, coins, philatelics and sparks have a long history and are self-contained, occupying a prominent position in the collection world, and called the "five major families"; subsequently, especially near ten Over the years, the “Four Celebrities”, which are famous for their popularity, have emerged: magnetic cards, food stamps, stock certificates and lottery tickets. Also, such as medals, various handicrafts, etc. can be collected, people are accustomed to call these collections "three religions and nine streams." Collectors should follow the well-known sayings of the business community that they are “unfamiliar and do not do”. They should be familiar with the variety, nature, characteristics, market conditions and interests of the collections, appreciate the principles, collect them in time, wait for the price, and finally achieve the ultimate investment income. purpose. As for the speed and slowness of growth, high and low, depending on a variety of factors, it depends on whether you can choose the "shares". There is an interesting phenomenon in the collection: the more value the collection has, the more people will participate in the collection; the more people there are, the faster the collection will increase. In recent years, the collection field is accelerating this kind of “snowball” type of good cycle. 5. Investment with moderate income – bond investment. The newly introduced policy treasury bonds and the financial bonds issued by the state are “temporarily exempt from personal income tax”. By comparing the coupon rates of the three-year and five-year treasury bonds in the three-year and five-year treasury bonds in 1999 and the actual income of three-year and five-year bank deposits, it is not difficult to find that the interest on government bonds purchased for three or five years is higher than that. Bank deposit income for the same period was 28.7% and 28.9% higher, respectively. Nowadays, the liquidity of national debt is also very strong, and it is also possible to withdraw and pledge loans in advance. Therefore, treasury bonds are the most ideal investment channel for cautious investors who are not too high and are likely to use deposits at any time to meet unexpected needs. If you have a long-term idle money that you don't need to use, and hope to get more profit, but don't dare to take too much risk, you can boldly buy some corporate bonds. Interest on corporate bonds Although interest tax is also paid, it is still a lot higher than the savings deposits in the same period. 6. Real estate investment – ​​high investment and high output investment. As one of the world's three major investment hotspots, real estate has always been favored by merchants. Real estate is a combination of real estate (household property) and real estate (land property). In fact, in addition to meeting the housing needs of residents (covering the wind and sheltering from the rain), real estate has the effect of maintaining value and increasing value, and is a good investment tool to prevent inflation. A family, to invest in real estate, should make good financial planning, rationally arrange housing funds, and learn real estate knowledge. After all, buying a home is a very big investment for every family. The real estate field is divided into three levels: the first-level field (national monopoly), the second-level field (the real estate business development and operation place), and the third-level field (real estate re-transfer, lease, mortgage place). Investors can choose long-term investment and short-term speculation to operate according to the actual situation. After buying real estate, investors should be continually contingent, and when the market is significantly bullish, decisively take off the gloves and get a large price difference.