Bank Savings:
The goal of bank savings is generally to meet short-term needs, such as instant consumption or accidental expenditures. Its feature is very safe, it is easy to achieve, you can retrieve funds at any time, and there is a certain interest income; but the interest rate of bank deposits is usually very low, but also pay interest tax, it is difficult to resist inflation. Therefore, bank deposits are suitable as a cash storage form, which is generally not the first choice for long-term investment.
Bond:
Bond is a government, financial institution, and industrial and commercial enterprises, etc., issued to the investor, and promises to pay interest according to a certain interest rate and pay the principal copy of the creditor's creditor. The biggest feature of bond investment is to relatively stable. Now the most common bond variety is government bonds. Since the state guarantees the payment of interest, it is more secure; but due to the current period of government bonds, the yield may be lower than the market interest rate. In addition, the procedures from the bank outlets are relatively simple, easy to make, interest income does not pay taxes, the disadvantage is that there is currently less scale of bank issuance bonds and cannot meet the needs of residents, and the yield is not high.
Insurance products:
Introduction, insurance products are only compensated for the risk that may bring losses, and it is impossible to guarantee the risk of bringing benefits. Therefore, general life insurance and property products have the characteristics of loss compensation and income guarantees, and its main role is security. Investment insurance is an insurance variety that combines insurance and investment in recent years. For example, investment insurance will give investors to the insurance company's funds, part of the payment of insurance premiums, and part of the entrusted insurance company. Since the current insurance company's investment range is very limited, it can only be used for bank deposits, purchase bonds, and indirect investment in the stock market through some assets purchase funds, and its profitability is relatively limited.
stock:
Stocks are shares issued to the investor when raising capital, representing the ownership of the company. The income of stock investment is uncertain. If the company is working well, you can share profits as shareholders (usually in the form of bonus), and can benefit from market stock prices. Conversely, if the company has problems, your investment will depreciate. Because the issued company has a big uncertainty, and the market price fluctuations in stocks are also more violent, the risk of stock investment is higher. Only those have more funds, have time research and analysis, and can make a lot of talents who have achieved relevant information in time.
Foreign exchange:
At present, some banks have carried out personal foreign exchange trading business in Beijing, Shanghai, Guangzhou, and investors can buy and sell foreign exchange according to their quotation. However, some of foreign exchange trading has determined that its popularity is not high, only investors with foreign exchange can be transaction; the city and bank outlets are not much; the professional knowledge requires high, and it takes more time to study .
Real estate investment:
Buying a house is one of the most common ways of investing in real estate. The advantages of real estate investment are: in the inflation period, its value will value (although it may be depreciated in other periods); in "investment", you can live; With mortgage loans, you only need to use a small part of the funds (first payment) to control more assets. But real estate also has a lot of shortcomings, it is possible to depreciate, and it is generally difficult to sell. Even if you find the buyer, it is often difficult to sell the right price.
Precious metal:
The supply of gold and silver and other precious metals has a rise in demand, so it can be protected over a longer period of time, but these metal prices have fluctuated large, and they will produce dividend bonus benefits like stocks and bonds. Because the price of precious metals generally increases with the growth of living expenses, many people think that they can better overcome inflation. In fact, the price of precious metals during inflation period is not necessarily to rise synchronously. Collection:
The main earnings with collectibles (such as stamps, coins, art and antiques) are fun from the collection, and few investors are equivalent to cash investment, bonds or stocks. Disadvantages is that it requires strong interests and expertise. In addition, even if the collection value is high, you are often difficult to find buyers to fulfill its value.
Industrial Investment:
Individuals can also invest in industrial investment, but industrial investment requires appropriate investment opportunities and specialists' participation, and there is also a high capacity and time for individuals.
fund:
The fund's risk is higher than that of the bank savings, but the fund can be used as a relatively long-term investment tool, which can achieve high income through a wide investment of stocks, bonds, and the distribution of investment also reduces risk. The liquidity is also better, especially the open fund, through the distribution of bank outlets, similar from the trading procedures, more easy, purchase and selling is directly-oriented fund manager, generally also maintained better The fluidity.
The fund's investment objects include stocks and bonds, and the yields are generally higher than government bonds, and because of the more fully divided investment, the risk can be reduced to a certain extent.
The fund's investment scope is currently wide than insurance products, which can be directly investing in stocks, the yield is relatively high, and the risk can be reduced due to a relatively sufficient investment dispersion. At present, insurance companies invest in a large number of fund products.
The fund is managed by experts. It takes a combination of investment to reduce risk to a certain extent, and the revenue is relatively stable, and the fund's performance is relatively easy. For most small and medium-sized investors, it is a better way of investment stocks through the purchase of funds.
Fund Investment is a form of entrusting expert wealth management, there is no need for many professional knowledge and time, and the amount of starting investment is low, unlike real estate, industrial investment and some collection, etc., generally need large funds to invest.
(Excerpted from Tai Xin Fund website)
