What are the financial management projects?

I. Stocks

Buying stocks means buying listed companies and China's economic growth. The biggest feature of the stock market is uncertainty. Opportunities and risks coexist, and it is possible to get rich overnight or become poor overnight. Therefore, investors need to be cautious.

Second, futures.

Generally, it refers to a futures contract, which is a standardized contract made by a futures exchange and agreed to deliver a certain amount of subject matter at a specific time and place in the future.

Third, gold speculation.

Gold speculation has always been a hot spot in the personal finance market, and it has attracted the attention and favor of investors in recent years. However, in the past two years, the price of gold has been falling, and the pattern is not optimistic.

Four. fund

Since the successful issuance of the first batch of closed-end funds in 1997, the funds have been highly praised by domestic individual investors. In 20 12 years, funds have obviously surpassed deposits and become the top priority in many aspects of investment and financial management. The advantages and characteristics of stable fund income and low risk are valued by many investors, hoping to obtain ideal income through fund investment.

Verb (abbreviation of verb) national debt

National debt, guaranteed by national credit, has less market risk, but the quantity is small. There are funds and opportunities to buy moderately.

Six, jewelry

The word jewelry is certainly not strange to us. Since ancient times, the word jewelry has often appeared in people's life vocabulary. At present, with the improvement of people's living standards and aesthetic ability, jewelry is rapidly entering thousands of households. Nowadays, internationally recognized and certified jewelry also has strong investment and financial value.

Seven. combine

The bond market is unexpectedly hot. Corporate convertible bonds, floating rate notes, bank subordinated bonds, etc. Will become a good investment variety.

Eight. trust

Trust financial management is a kind of property management system, and its core content is "entrusted financial management". The income of trust wealth management products can be fixed or floating. The mainstream products in the market are still dominated by fixed rate of return, with an annual income of 9- 13%, which is the biggest selling point of trust wealth management products.

Nine. foreign exchange

Foreign exchange can be bought and sold at any time. Foreign exchange is traded by people all over the world, so it is not controlled by large institutions or countries and is influenced by national policies.

X. insurance

There are many insurance products now, which not only have the most basic protection function of insurance, but also bring investors a lot of income, which can be described as a win-win situation for protection and investment. Therefore, the purchase of income insurance is expected to become a new hot spot for personal investment and financial management.

XI。 Bank products

Bank wealth management products are also an important item. Banks manage wealth on their behalf. Compared with stocks and funds, bank wealth management products have the characteristics of high threshold and slightly poor liquidity. When choosing wealth management products, we should not only consider our own investment preferences and wealth management needs, but also properly consider the influence of the external factor of the market on the "trend" of wealth management products.

Small investment and financial management projects

1. Yu 'ebao is the smallest financial tool in small investments. First of all, it is basically zero threshold, no matter how much it costs. It's convenient to take it with you. Moreover, Yu 'ebao has opened the automatic transfer function of Alipay account balance, which can bind the automatic transfer of salary cards. You can also bind the mortgage card and automatically transfer the repayment to the mortgage every month.

2. Fixed investment of funds Generally speaking, there are two ways to invest in funds, namely, single investment and regular quota. Due to the low starting point and simple method of the fund's "fixed investment", which is also called "small investment plan" or "lazy financial management", the one-time investment income may be high, but the risk is also great. Because it avoids the influence of investors' subjective judgment on the timing of entry, the risk of fixed investment is significantly lower than that of stock investment or single fund investment.

3. The reverse repurchase of national debt is risk-free, and now the annualized income in 7 days has reached more than 8%, which is the highest in the short term. To participate in the reverse repurchase of government bonds, you need to open an account in a securities company with your ID card, and then open the trading authority of reverse repurchase of government bonds. You can participate on the opening day, with no risk and fixed income.

4.P2P online lending From Yu 'ebao to P2P online lending, Internet financial products have become the most popular choice for small investments today. Taking P2P online lending as an example, the income is extremely high, the investment threshold is low, and the operation is very simple. However, it is risky and needs to be cautious in investment.