It is recommended to deposit in the bank; If you want to preserve and increase value for a long time

Choose gold and look at your own needs.

What are the personal investment channels?

1. savings

Saving money is the simplest and most basic way to invest.

Step 2 combine

Bonds mainly include government bonds, financial bonds and corporate bonds. Investors as funds, some lenders get income, similar to bank loans.

3. stocks

Buy stocks at a low price, sell stocks at a high price, and get the difference. In April last year, futures and margin trading indexes were opened, which provided a channel for long and short. But for ordinary investors, the threshold is higher and they need certain professional knowledge.

4. Funds

The fund transfers funds to professional investment stock market institutions to manage and earn profits. There are mainly index funds, stock funds, bond funds and money funds.

5. Precious metals

Precious metals investment is dominated by gold. Generally refers to gold and silver. There are mainly gold, paper gold and gold futures, of which paper gold and yellow gold paper can only be traded in two directions. Investment advantages: global continuous market, no manipulation, openness and transparency, precious metal risk, high yield and short cycle.

6. Financial products

Wealth management products have a certain threshold, generally starting from 50,000 yuan, with an annualized rate of return of about 5%. The types and scales of injected funds are different, and the yields are also different. There are mainly guaranteed income, guaranteed floating income and non-guaranteed floating income. I will buy that kind of guaranteed income, although it is much worse than the unsecured floating income. After all, everyone's strength and psychological quality are different, how to choose to suit their own situation! Personal investment channels.

7. Internet financial products

Internet financial products such as Yu 'ebao, Licaitong and Baifa. Its essence is money fund. Because there is basically no threshold, the operation is simple, convenient and flexible, the risk is small, and the income is higher than the bank time deposit, so at the beginning, the sales are very prosperous.

8. Savings-type commercial insurance

Although the insurance period of savings commercial insurance is longer and the rate of return is lower, compared with bank deposits, its rate of return is much higher and its cost performance is higher, so it is the only choice for preparing pensions.

9. Futures

Futures refers to the subject matter that is being bought and sold now, but will be settled or delivered in the future. Including copper, aluminum, cotton and other commodities and financial indexes. It is characterized by the use of margin financing and securities lending. As long as you pay 5%- 10% of the transaction amount, you can trade 100% and trade long and short in both directions.

10. Foreign exchange

There are three main ways of foreign exchange investment: saving, purchasing wealth management products and foreign exchange speculation.