What are the investment methods of financial management?

Savings, or deposits, is a popular investment behavior of the average resident family, but also one of the most commonly used investment methods. Comparison of savings and other investment methods, with safe and reliable (protected by the Constitution), convenient procedures (savings business outlets throughout the country), flexible forms, but also inheritance. Savings is a business in which the bank mobilizes and absorbs the savings of the population in the form of credit. After absorbing the savings deposits, the bank invests the money in various ways into the social production process and makes profits.

2, gold speculation

Since the Bank of China in Shanghai launched a special for individual investors "Gold Treasure" business, speculation in gold has been a hot spot in the personal finance market, much attention and favor of investors. Especially in the past two years, the international gold prices continue to rise. It can be predicted that with the gradual opening of the domestic gold investment field, the future growth potential of gold demand is huge.

3, the fund

Funds have been highly respected by domestic individual investors, as of 2012, the fund has significantly more than the deposit, become the top priority in the investment of financial management of many points of view. According to relevant information, today's domestic fund net value has been more than 200 billion yuan. According to the survey, in 2013, many investors are still very optimistic about the fund's stable income, less risk and other advantages and features, hoping to be able to obtain the ideal return through the fund's investment.

4, speculation

An expert analyzed that the future supply and demand situation of funds is relatively optimistic, which is undoubtedly a shot in the arm for the capital-driven Chinese stock market. Coupled with the China Securities Regulatory Commission (CSRC), which has put forward more stringent requirements on the calculation of the performance of listed companies, the amount of financing, etc., and strengthened the regulation of the stock market, which will give investors the opportunity to win.

5Treasury Bonds

There are many varieties of treasury bonds in the market, and the general investors have a lot of choices. New attempts and reforms have also been made to the issuance of treasury bonds, further improving the marketization of treasury bond issuance in order to minimize the interference of non-market factors. In addition, the secondary market of treasury bonds will also become the focus of development in 2013. As a result, this series of innovations in treasury bonds will surely bring investors more investment choices and more room for profit.

6, bonds

The bond market is on fire. There are signs that the issuance of corporate bonds will speed up in 2013, and corporate convertible bonds, floating rate bonds, and bank subordinated bonds will likely become good investment options for people. Coupled with the CBRC will be subordinated to the subordinate capital, in order to supplement the capital structure of commercial banks, so that the bank debt issuance call, will be for the bond market again, play a role in fueling the fire.

7, foreign exchange

With the dollar exchange rate continues to fall, so that more and more people through personal foreign exchange trading, gained a lot of money, but also make the exchange market once unusually hot. Various foreign exchange financial varieties have also been launched, such as the commercial banks of the exchange market, the Bank of China and Agricultural Bank of China's foreign exchange treasure, the construction bank of the speed of exchange for investors to choose.

8, insurance

Compared with the lukewarm insurance market, income insurance once launched, will be highly sought after. Income type of insurance is generally more varieties, it not only has the most basic insurance protection function, but also can bring investors a lot of income, can be said to protect and invest in a win-win situation. Therefore, the purchase of income insurance is expected to become a new investment hotspot for individuals.