What are the investment methods?

Undoubtedly, people pay more and more attention to family investment and financial management. Here we recommend "Twelve New Ways of Family Finance". Bank deposit is convenient, flexible and safe, which can be considered as the most stable investment, because the country often adjusts the interest rate of savings deposits reasonably according to the economic development. In the current good economic operation environment, the risk of deposit depreciation caused by inflation is almost zero. In addition, in recent years, the variety of deposits has increased, and computers and credit cards have been widely used. Savings should be a safe, reliable, most convenient and easy-to-operate popular investment method. The biggest weakness of savings investment is that the income is lower than other investment channels, but for families who pay attention to stability, the purpose of maintaining value has basically been realized. Therefore, it is not an exaggeration to invest 9.0 points in savings. Second, stocks. The expected high return of stocks has become the most attractive investment method. In recent years, the macroeconomic orientation is good, and the stock market as the economic "barometer" is the biggest beneficiary. According to the current economic operation, it is not difficult for working families to make profits as long as they put the investment concept away from heavy speculation. For working families, it is not difficult to choose stocks and make long-term investment plans. Even if they lose money in the short term, they will only lose time as long as they firmly believe that the stock market will improve in the long run. However, the unpredictability of stock market risk exists after all, and high returns correspond to high risks. Investing in stocks requires high psychological quality and logical thinking and judgment ability. Therefore, the stock investment law gives a maximum of 8.5 points. Third, property. Buying houses and land is called property investment. The state has taken real estate as a new economic growth point, and intends to reduce the transaction fee tax of real estate and introduce mortgage loan support, which are very beneficial to the real estate investment of working families. Real estate investment has gradually become a low-risk and high-value-added financial management method. Buying real estate can be used for consumption first, or it can be sold when the market is bullish to get high returns. Investment properties are not affected by inflation. The transaction price of real estate has risen steadily this year, and the prospect is very optimistic. It's just that the investment in real estate takes a long time to realize, there are many transaction procedures, and the process is time-consuming and laborious, but these are insignificant compared with its appreciation potential. The real estate investment law has at least 9.5 points. Fourth, bonds. Bond investment, high interest and stable income; However, bonds are mixed. National debt is guaranteed by national credit, which is less affected by market risks, but the quantity is small and it is more difficult to buy. In addition, the security of corporate bonds and convertible bonds deserves careful review. At the same time, investing in bonds requires more funds, and its anti-inflation ability is poor because of its long investment period. So the bond investment law can only give 8 points. 5. Foreign exchange. Foreign exchange investment can be used as an auxiliary investment in savings. If you choose a relatively strong international currency and deposit it in the bank, you may get more opportunities. For example, holding US dollars and Hong Kong dollars before February 19 this year won the opportunity to invest in stock market B shares; Foreign exchange investment requires high hardware, which requires investors to understand the international financial situation and learn to distinguish the authenticity of foreign exchange. The time and energy consumed are beyond the range of working families, which is unrealistic for most working families. The foreign exchange investment law is worth 5 points at most. Sixth, painting and calligraphy. Celebrity original calligraphy and painting is the most potential value-added product in family wealth; It is difficult for working families to invest in calligraphy and painting. However, for working-class people who have a hobby of collecting calligraphy and painting, it is still possible to choose one or two famous writers and works they like with limited funds. However, it is difficult to invest in famous oil painters, China painters and painters at home and abroad and Mo Bao's paintings. Moreover, there are more and more fakes of calligraphy and painting, and even several foreign auction houses dare not guarantee the authenticity of Chinese calligraphy and painting, which gives calligraphy and painting investors an excuse. As a result, the calligraphy and painting investment law had to get 6 points. Seven, antiques. Ancient ceramics, utensils, bronze castings, cloisonne, ancient furniture, exquisite furnishings, and even ancient royal articles and clothes can all be called antiques. Because of its long history, it has become a national treasure and has great appreciation potential. However, for working families, it is necessary to study this aspect to choose this investment method. In the antique markets all over the world, the proportion of counterfeit antiques is as high as 70%. After all, antiques have the highest professional requirements among all investment methods, and they are aimed at most working people. Eight, stamps. The investment behavior of stamps has a high return. Among the collection varieties, stamp collecting is the most popular. Judging from the development of stamp trading, it is possible for each city and county to set up at least one exchange and trading place. The fluidity of stamps makes it easier to cash in profits than antique calligraphy and painting, so it has the characteristics of maintaining and increasing value. The introduction of stamp yearbook saves a lot of investment time for families, so it is simple and easy to do, and the family collection team is gradually expanding, which also brings doubts about the appreciation potential of stamps in recent years. But for family hobbies, the price of yearbook is not high, and stamps give family members a high sense of visual pleasure, so there are nine ways to invest stamps. Nine, jewelry. Jewelry can be roughly divided into precious stones, jade, pearls, gold and other products. Generally speaking, it has the characteristics of easy preservation, small size and high value. It can be made into necklaces, bracelets, rings and earrings, which can be worn on people as decorations. (article source: personal finance network) has the effect of killing two birds with one stone. With the improvement of people's living standards and the enhancement of jewelry's value preservation, gold has also been paid attention to internationally as a powerful weapon against inflation. However, the initial investment of jewelry is mainly finished products, its value has been overestimated, and its value-added potential needs to be verified by investment varieties. Family jewelry can be used as a luxury consumer product, but it is not desirable as an investment channel. Jewelry investment can only get 4 points. X. Insurance. With the innovation of insurance business, domestic major insurance companies have launched life insurance products such as investment linkage or dividend, which makes insurance have dual functions of investment and protection, and the investment risk of insurance is extremely low, playing an increasingly important role in the family. As an investment method, you can score 7 points. Eleven, lottery tickets. Strictly speaking, buying lottery tickets is not the way to get rich, but there are many participants, and some people get rich because of it, and they are gradually recognized as investments by some families; There is no rule to follow in the lottery, and the probability of success is extremely low. It is worth promoting in doing good deeds. If you buy lottery tickets as an investment method, it is only worth 1 minute. Twelve, coins. Coins include paper money and gold and silver coins. Whether the currency in history is precious or not needs to be identified from the aspects of authenticity, age, casting area and rarity. To a large extent, valuable coins are hard to find. So some families don't need to spend a lot of energy on this kind of investment. It would be nice to have two points in coin investment.