What are the channels for personal investment and financial management? (1) Saving is the most selected financial management method, not investment. Because it won't lose money and needs no effort, it is the most concerned, but the income is the lowest among all financial management channels. (2) In recent years, funds, trusts and bank wealth management products have attracted more and more attention because of their high returns and low risks, but many of them started with 50,000 yuan. This threshold keeps many people out. And they will lose money, so be careful not to put all the money on one product. (3) As soon as the stock came out, it was sought after by gamblers in China. When a bunch of people lost all the money they had saved for more than ten years, they realized that "speculation has always been a vampire lying on retail investors." (4) Futures mentioned the harm of futures. The most terrible thing about futures is leverage. With leverage, people's greed and desire are magnified dozens or even hundreds of times, and finally they go to the point of no return, because few people can control their demons. (5) Precious metals (gold, silver, oil) In recent years, more and more people have invested in gold and silver. I didn't know that Chinese aunts were frying predators. In the long run, both gold and silver are rising. It is difficult for them to lose money without short-term operation. But in order to maximize profits, most people in day trading, the result is terrible, and the handling fee is scary. Here, the transaction cost of domestic gold and silver is ten times that of foreign countries, and you can lose money. (VI) Foreign exchange At present, it is strictly forbidden to speculate in foreign exchange in China, so if you want to play, you can only operate on foreign platforms, but it is also leveraged. According to statistics, only one in a thousand people can make money. At present, many domestic banks can conduct online foreign exchange transactions without leverage. (VII) Real Estate The real estate boom in recent years has made many people hate it, but we have to admit that real estate is a good investment channel with high returns. In addition, people who love to collect antique calligraphy, painting and gambling stones: they will earn hundreds of times in the future, but they must have excellent vision and money to buy them, and they don't need money in a short time. (8) Insurance is also a good financial channel, and many people only pay attention to its claims and ignore its financial management effect. Finally, Bian Xiao wishes everyone a successful financial investment, rich financial resources and a rich life.