First of all, we must understand the concept of investment and financial management: investment is to sacrifice current interests and gain future benefits (the most concerned is the rate of return); Financial management is a science that looks at life from a financial point of view and realizes the strategic goals of life through financial products (a process of realizing life goals through one's own financial resources and life planning, rather than short-term interests)! You'd better make a cash plan. What is financial planning?
Financial planning, also known as personal financial planning, refers to a professional personal financial service that uses scientific and fair financial analysis procedures to rationally plan and manage personal financial plans and investment strategies in order to achieve their long-term financial management and life goals. Eight hot spots of personal investment and financial management
Gold speculation: entering the golden age
Fund: optimistic and promising
Stock trading: opportunities and risks coexist
National debt: investment options are getting bigger and bigger.
Salvation: Can Old Songs Sing a New Tone?
Bonds: the hot situation is expected to reappear
Foreign exchange: the opportunities for profit from investment are greatly increased.
Insurance: Income-based insurance will be the witness in the investment hotspot crisis —— Report on the investment strategy conference of Deutsche Bank "Seize the investment opportunity in the century and tap the global potential market". In 2008, the global financial market was bleak, and all the world's top 500 enterprises suffered asset shrinkage, especially in China A-share market. In 2009, everyone seems to see hope again, but they are all afraid of being swayed by considerations of gain and loss. In May 2009, when the world financial market reached the long-short dividing line and many investors were deeply confused and hesitant, Deutsche Bank International Asset Management Co., Ltd. and Guangdong Deutsche Bank Investment Management Co., Ltd. held an investment strategy conference of "grasping the investment opportunity of the century and tapping the global potential market". At this conference, Deutsche Bank experts boldly and clearly expounded the trend of the world economy, analyzed the huge investment opportunities at this stage, and the feasible strategies and methods to seize these opportunities. Experts attending the meeting: Mr. Du Jinmin, a famous financial theory research expert, professor of Jinan University, doctoral supervisor and independent director of Guangdong Deyin Investment Management Co., Ltd.; Mr. Wang Yangzi, theoretical founder of Calculation Method of Characteristic Waveform of Global Financial Market, senior professional analyst of stock evaluation and director of Deutsche Bank International Financial Market Research Center; Mr. Huang Chunhua, a famous overseas investment and financial management expert, a senior international financial planner and chief technical director of Guangdong Deutsche Bank Investment Management Co., Ltd. In 2008, more than 200 participants were completely attracted by the incisive analysis of Deutsche Bank experts. After the meeting, everyone still discussed and asked questions of interest. "I am very proud to announce that in the global financial tsunami in 2008, none of Deutsche Bank's customers lost money!" When Mr. Huang Chunhua, the chief technical director of Deutsche Bank, said this in his speech, the audience burst into warm applause. In such an open press conference, in the face of the fact that most investors in the world have suffered huge losses, I am afraid that only a third-party wealth management company like Deutsche Bank can say such a thing with such confidence. When discussing the A-share market with individual guests, Mr. Wang Yangzi, an analyst of China Stock Exchange and Hong Kong stocks, stressed that the most important prerequisite for ensuring asset safety is reasonable asset allocation, and a considerable proportion of steady investment must be allocated before investing in the stock market. It should be said that this is also his voice to investors. If people invest according to this principle, the financial market in 2008 will not be full of chicken feathers. Finally, Ms. Yang Qixiang, the chairman of Deutsche Bank, looked forward to the future development direction and strategic layout of the company, and the press conference was successfully concluded. Postscript: The investment channel recommended by Deutsche Bank can stand the test of tsunami, with an increase of 6,543,800,000 yuan. I am confident that I can effectively make global diversified investments, disperse and avoid risks, and realize steady asset appreciation. In 2008, "Global One Fund" proved to be the safest and most efficient investment means. Deutsche Bank's customers also rely on the global * * * same fund, coupled with the professional operation of Deutsche Bank experts, in 2008, they not only kept their principal, but also achieved an increase of more than 15%. A customer of Deutsche Bank invested several hundred thousand yuan in the same global fund portfolio on the eve of the financial tsunami last year. After feeling the advantage of stable income, the company decisively increased its capital by 6.5438+million yuan after the meeting to invest in this field.