Since these three words are juxtaposed, you must know that stocks, funds and foreign exchange are all investment tools, including bank deposits. The first thing you must consider when investing is risk and return. Since they all exist, it is because they all follow the eternal principle of a capital market: the greater the risk, the higher the return; On the contrary, the smaller the risk, the lower the income.

Understand stocks, funds, foreign exchange and bank deposits in the sense of risk and return, then you can easily know the differences between them.

The investment tool with risk close to zero is bank deposit. If you put your money in the bank, you will never lose money, unless it is a particularly big accident, but it is also the least rewarding. At present, the annual interest rate of RMB is less than 4%. If it is alive, it is hardly.

The second is the fund, the risk is close to zero, but there may be a small loss, but it is very small. Because of this, the return of funds is also very small, and the annual return of domestic funds rarely exceeds 10%.

Then there are stocks, which are risky, but domestic stocks limit the daily fluctuation of stocks to 10%, so the daily loss and profit of investment stocks will not exceed 10%. But in the long run, it is very normal to double the investment funds in one year or one month, and many people can do it now. The maximum risk of investing in stocks should be less than 100%.

Finally, foreign exchange has the greatest risk and the highest return on investment. It may double in one day, or it may cost you all your investment funds in one day. As for the biggest risk, the biggest risk is to lose all your investment funds. As for the funds you haven't deposited in your investment account, they are still safe and won't generate debt.

These are the basic differences, and there are also many differences in specific operations.

In today's era, everyone should participate in investment and financial management rationally, and only when investment and financial management are done well can real freedom be realized.

For myself, the best life I expect should be like this:

Time bank deposits with an annual interest rate of about 40,000 are used for daily living expenses.

Foreign exchange investment is 654.38 million. If it doubles, deposit the 6,543,800+earned into the current account. Take out the money and continue to do it if you lose money. If you lose money again, you will take it from the interest of 40 thousand, and the time deposit will not move.

And insurance should be more complete.