1, savings. Including demand deposits, time deposits, seven-day deposits, purchase of government bonds, etc. Among them, the national debt has the highest income, and the longer the time, the more income. You can consider buying some government bonds and time deposits as long-term investment and basic living security.

2. Venture capital. Including investment in kind and investment in financial products.

Physical investment: real estate, artworks, stamps, antiques, etc. This requires not only a good investment vision, but also senior appreciation and discrimination. If there is no such advice, don't invest.

Financial products: stocks, funds, foreign exchange, futures, fixed investment of funds, dividend insurance and spot. The stock market is risky. Recently, the stock market is depressed and the economic development is a little inflationary. It is suggested to find a powerful securities company with little or no investment. The risk of fixed investment of the fund is lower than that of the stock market, which belongs to growth investment. It can be fixed every month and the income is considerable. However, due to the consolidation of the stock market, it is recommended to invest moderately. Dividend insurance is stable and has less risk. Generally, dividends are paid annually, with average income and long cycle time. If you are not in a hurry to use money, you can invest some in moderation.

Short-term investments are mainly foreign exchange, futures and spot. Foreign exchange and futures have high risks and high returns, and the leverage ratio is relatively large, and some even exceed 1:500. Short-term benefits are significant. The disadvantage is that the risk is not easy to control, and small funds are easy to explode. It is suggested to invest as little as possible or not. Spot can be divided into gold spot, agricultural and sideline products and energy spot. Spot gold, China can do is the agent of London Gold Exchange, trading 24 hours a day. Due to the high price of gold and high investment threshold, it is affected by the international gold price and the exchange rate of the US dollar. At the same time, it should be noted that as investors, we buy and sell contracts in order to earn the price difference of spot gold, and we don't really want to buy gold, so it is also risky, not to preserve value. It is recommended to buy some or not according to your own affordability. Agricultural and sideline products are in stock, with low investment threshold, low risk and easy control. The 20% margin system is mainly aimed at the domestic commodity market and is generally unaffected by international news. Suitable for short-term investment by first-time investors, it is recommended to invest more.

Any investment product without absolute value preservation is risky in theory, and it is unrealistic for an investment company to only talk about income and not risk. Therefore, it is the correct investment and financial management to reduce risks as much as possible and extend the time of return.