About the method of financial management

Methods/steps

Gathering wealth to benefit from the investment - savings

Savings, or deposits, is a popular investment behavior of the average resident family, but also one of the most commonly used investment methods. Savings and other investment methods, compared with the safety and reliability (protected by the Constitution), convenient procedures (savings business outlets throughout the country), flexible forms, but also has the inheritance. Savings is a business in which the bank mobilizes and absorbs the savings of the population in the form of credit. After absorbing savings deposits, banks invest them in various ways in the social production process and make a profit. As a price for the use of savings funds, banks must pay interest to depositors. Thus, for the depositors, participation in savings not only support the construction of the country, but also to make their own savings of monetary funds to increase or preserve the value of the family investment behavior.

The investment of peace of mind - insurance investment

The biggest mystery in life is the future. No one can foretell whether a family will encounter uncertainties such as accidental injuries, serious illnesses, and natural calamities. Insurance is a financial umbrella that enables a family to hand over the risk to the insurance company so that even if there is an accident, the family is able to maintain a basic quality of life. Insurance investment may not be the most important but it is the most necessary in the investment activities of the family. The main reasons for the people to take out insurance are: to buy a long-lasting pill (prevention of accidents in family life), to live in peace and security at present, but also to think of danger (prevention of future risks), to raise children to prevent old age, it is better to invest in insurance and other reasons.

Investment of pets - stock investment

The scope of interest tax although also includes personal stock account interest, but the stock transfer income, the state will continue to implement the policy of temporary exemption from personal income tax, so the interest tax, prudent intervention in the stock market, but also an effective way of financial management.

Depositing your demand deposits into a personal stock account, you can use this money to subscribe to new stocks. If you are lucky and win, you can make a good profit if you sell your shares after they are listed. Even if you don't win the lottery, you will still have the demand interest. If you are in a better financial position and can bear some risk, you can also buy shares in the secondary market of stocks. Gold, real estate and stocks are considered by economists to be the three hot investment spots in the world today. Stocks as a joint-stock company for the construction of funds issued by a marketable security, is proof of investors to invest in shares and according to obtain dividend income of a kind of equity certificates, has long been into the tens of thousands of households, and has become an important goal of investment in many families. Stock investment has become a popular topic of daily conversation among the people. As stocks have the characteristics of high yield, high risk, transferable, flexible and convenient transactions, they have become a powerful force supporting the development of China's stock market. The reward of stock investment can be reacted by calculating the rate of return on stock investment.

The organic combination of art and money - collection investment

Reality today, the collection is not only a kind of cultivation of amateur cultural activities, it is more on a way to get rich, is a golden key to open the door of wealth. In a variety of collectibles, antiques, paintings, coins, stamps and sparks not only has a long history, and self-contained system, in the collection of the world occupies a prominent position, and known as the "five families"; then, especially in the last decade, and emerged in the reputation of the "four greats! ": magnetic cards, food stamps, stock certificates and lottery tickets. Also, such as medals, various crafts can be collected, people are accustomed to these collectibles called "the three religions and nine streams". Collection enthusiasts should follow the business "not familiar with not do" the maxim, should be familiar with a collection of varieties, nature, characteristics, market conditions and interest, appreciation of the principle of timely collection, to be sold, to achieve the ultimate goal of investment returns. As for the growth of fast and slow, high and low, depending on a variety of factors, depending on whether you can choose "stock". Collection market has an interesting phenomenon: the more value-added collectibles, the more people involved in the collection; collection of more people, the collection of value-added faster. In recent years, the collection market is accelerating this "snowball" type of virtuous cycle.

Moderate returns on investment - bond investment

The newly introduced policy of treasury bonds and financial bonds issued by the state interest "temporary exemption from personal income tax". By comparing the coupon rate of 1999 vouchers (3) three-year, five-year treasury bonds and three-year, five-year bank deposits, we can easily find that the purchase of three-year, five-year treasury bonds interest income than the same period of bank deposits were higher than the return of 28.7% and 28.9%. Nowadays, the liquidity of treasury bonds is also very strong, and they can also be withdrawn in advance and pledged for loans. Therefore, treasury bonds are the ideal investment channel for prudent investors who do not have a high income and may need to use their savings at any time for emergencies. If you have a long-term unused money, hope to get a little more profit, but do not dare to take too much risk, you can boldly buy some corporate bonds. Although the interest income from corporate bonds is also subject to interest tax, the after-tax income is still higher than the same period of savings deposits by a large margin.

Real estate investment - high input, high output investment

Real estate as one of the world's three major investment hotspots, has always been favored by businessmen. Real estate is a collective term for property (housing property) and real estate (land property). In fact, real estate in addition to meet the residential needs of households (shelter), both value-added effect, is a good investment tool to prevent inflation. A family, to invest in real estate, should make good financial planning, rational arrangement of funds for the purchase of homes, and learn real estate knowledge. After all, the purchase of a home for each family is a very significant investment. The real estate market is divided into three levels: the primary market (state monopoly), the secondary market (real estate developers to develop and operate the place of activity), the third level of the market (real estate re-transfer, leasing, mortgages place). Investors can choose between long term investment and short term speculation to operate according to the actual situation. After the acquisition of real estate, investors should improvise, when the market is sharply bullish, decisively off the cash, to obtain a large spread income.

Expert financial management--investment fund

Investment fund refers to a kind of investment in which the fund sponsor, through issuing fund coupons (i.e., beneficiary certificates), concentrates investors' dispersed funds and hands them over to the fund custodian for safekeeping, the fund administrator for operation and management, and distributes the investment income to the holders of the fund coupons. The way of investment. Resident families buy investment funds equal to the funds to the experts, not only the risk is small, but also save time and trouble, is the lack of time and professional knowledge of the family investors the best investment tool.

Futures investment

Futures trading refers to the transaction between the two sides in the futures exchange, through the open bidding, buy or sell in a future date at the agreed price delivery of a standard number of commodities contract transactions. Futures trading according to the trading object is divided into commodity futures and financial futures two categories. Commodity futures are the most important type of futures trading. Commodity futures are the most important part of futures trading and the basis of futures trading. The products that can be used for futures trading are agricultural and mineral products. And the futures with standardized financial instruments as the trading object are financial futures. Financial futures mainly include three major categories: foreign exchange futures, interest rate futures and stock indices. With the relaxation of the financial environment and accession to the World Trade Organization and the popularization of investors' general knowledge of futures trading, futures investment will become one of the commonly used investment methods like spot investment.

Foreign exchange investment

Foreign exchange refers to foreign currency for international settlement of various means of payment, that can be directly used to repay foreign debt, the realization of the purchasing power of the international transfer of foreign currency funds. In accordance with the relevant provisions of China's foreign exchange management, foreign exchange mainly includes: (1) foreign currencies, including banknotes and metal mints, such as freely convertible foreign currencies in our country are: the U.S. dollar, pound sterling, deutsche mark, Japanese yen, Hong Kong dollars and other five foreign currencies. (2) foreign currency securities, including government bonds, treasury bills, corporate bonds, stocks, coupons, etc.; (3) foreign currency payment certificates, including bills, bank deposit certificates, postal savings certificates, etc.; (4) other foreign exchange funds. For a long time, China's foreign exchange control, individuals are not allowed to trade in foreign exchange. Although the foreign exchange black market in practice has never really outlawed, but that are illegal. With the increasingly frequent foreign economic, technical and cultural exchanges, individuals hold more and more foreign exchange. In particular, the gradual establishment of China's socialist market economic system and the imminent accession to the WTO, the average resident family's demand for foreign exchange is growing, and at the end of 2000, China has realized the free exchange of RMB. Residents can choose the type of foreign exchange investment include: foreign exchange deposits (i.e., invest in foreign currencies, earn exchange rate differences), foreign exchange (in familiar with the premise of the recent foreign exchange rate, without losing time to buy and sell, to obtain considerable foreign exchange income), investment in foreign exchange securities market (through the Bank of China, the agencies in foreign countries, the economic and trade companies buy and sell foreign exchange bonds, foreign exchange stock business, and to obtain the legitimate foreign exchange investment income).

Gold investment - always the same investment

Gold has always been a symbol of wealth in people's minds, is the world's unhindered access to investment tools. As long as the purity of 99.5 or more, or a world-wide reputation of banks or gold self-management business recognized signs and words of gold, no matter you carry to the ends of the earth, can be in accordance with the standard price of the day the London gold market quotations for sale. Gold as the best value preservation tool, since ancient times by the investment theory and the general investor's favor, that in the traditional stock and bond assets must have gold is the best strategy. Especially in the turbulent world, many investors believe that only gold is the safest asset. Therefore, investors are unanimous in taking gold as an important part of their investment portfolio. There are five major forms of gold investment: solid gold investment (i.e. gold bars), gold coin investment, gold jewelry investment, paper gold investment, and gold futures investment. Investing in gold can be profitable, mainly depending on the appreciation. Although the gold price will be due to the international political and economic situation and slight ups and downs, but on the whole will be a smooth and small increase.