As an office worker, what should I do if I want to make an investment?

You can use your spare money every month to invest, and you can also find some better investment projects, or learn financial management online, which is good for yourself.

Choose a more reliable project for investment, such as bank deposit currency, **, treasury bonds, and bank wealth management. Corporate bonds.

As an office worker, if you want to invest, you should find the right goal, you should understand the industry, and you should not invest blindly, so that you will not lose anything. The so-called knowing oneself and knowing one's opponent is a hundred battles.

1. Savings: The investment behavior that is popular with ordinary households is also the most commonly used investment method, which has safe and reliable procedures, convenient procedures (savings business outlets all over the country), flexible forms, and inheritance. After the bank collects the savings deposit, it must pay the depositor interest, so that the depositor's funds can be preserved and increased.

2. Insurance: Insurance is a financial umbrella, which allows families to hand over risks to insurance companies, even if there are accidents, they can also enable families to maintain a basic quality of life. There are two main categories: property insurance and life insurance.

Life insurance is a type of insurance that pays insurance benefits for the birth, old age, sickness, death and unemployment of a person. There are mainly pension insurance series, return series insurance, personal accident insurance series, etc.

3. :* as a kind of valuable issued by a joint-stock company for the establishment of funds, it is an equity certificate that proves that investors invest in shares and obtain dividend income, with high yield, high risk, transferable, flexible and convenient transactions, etc., and the return on investment can be reflected by calculating the return on investment.

4. Bonds: Mainly refer to treasury bonds, which are bonds issued with ** property and reputation, and treasury bonds can be realized at any time. Although the yield of treasury bonds is not too high, there is basically no risk, and it is the most ideal investment channel.

5. Investment: Investment refers to an investment method in which the sponsor collects the investor's scattered funds through the issuance of bonds (i.e., beneficiary certificates), hands them over to the custodian for safekeeping, manages them to operate, and distributes the investment income to the holders of the bonds. It is the best investment scaffolding tool for family investors who lack time and expertise.

In addition, there are **,**, but these risks are very large, and it is recommended that office workers focus on robust products. If you have enough money, you can consider a property.

Office workers, safety and stability are very important, then, Huizhong University financial network lending information intermediary is safe and stable.

Welcome to pay attention to CMB Wealth Management, CMB has savings, large certificates of deposit, wealth management products, foreign exchange, **, ** and other investments for you to choose.

Risk and return are basically proportional, the choice of savings is required to protect the capital, the pursuit of low risk can consider currency ** and low-risk financial products, the pursuit of high yield can understand the investment **, foreign exchange, **and**, if you have a local China Merchants Bank, you can contact the branch account manager to communicate financial matters.

Allocation of diversified investments,** and bank wealth management products.

Use half of the funds to buy bank capital-guaranteed wealth management products, so that the risk is very low, including the bonds issued by the bank, the basic return is about 5% annualized, and the return of more than 8% is definitely accompanied by higher risk.

With one-third of the capital investment, if you don't have time to take care of it, you can buy some long-term holdings with good growth, and if you have time to do ** buying and selling transactions, you can carry out the detailed allocation of ** funds.

You can invest according to your own risk tolerance, and pay attention to the fact that the return is directly proportional to the risk. For example, bank fixed-term, high security of course low returns, or treasury bonds. And then there are some high-security currency types **, to what Yu Bao, this Bao that Bao.

Then there are some growth lines**, aggressive**, etc., according to their own affordability.

**The risk is relatively higher, if you don't have a certain analytical ability as a basis, then you are almost the same as gambling, if you want to enter**, it is best to conduct a period of simulation**.

There are many types of **, there are stock indexes**, paper ****, foreign exchange virtual disks, etc., the risk is much higher than **, and if you are liquidated, you will lose all your money. It is basically impossible for a person who is new to the market to make money. It is in this way that many companies sit on their own and finally collect all the money of their customers.

There is also the investment in some artworks, cultural toys, and collections, like the previous jadeite** several times a year, and Nanhong** in the past two years has also been soaring. Investing in these must pay attention to quality, and the average quality will not rise in ten years. It's up to your eyesight, and it's not easy to monetize.

Financial wealth management products: **, **, foreign exchange, **, **fixed investment, dividend insurance, spot. **The risk is higher, plus **has been sluggish recently**, low**, **bad,, less or no investment.

**Regular investment is lower than **risk, it is a growth investment, you can invest regularly, and the income is considerable, but due to the **consolidation decision**** good or bad, ** is basically a loss at present, it is recommended not to invest or invest less. Dividend insurance, which is a stable type, has less risk, is generally an annual dividend, with average income and a long cycle time, so if you are not in a hurry to use the money, you can invest some in moderation. Short-term investments are mainly foreign exchange, **, spot.

Foreign exchange and ** high risk and high income, the leverage ratio is large, some even exceed 1:500, short-term returns are significant, the disadvantage is that the risk is not easy to control, small funds are easy to blow up, it is recommended to invest as little as possible or not to invest. Spot can be divided into spot and spot of agricultural and sideline products and energy.

Spot, what can be done in China are the London Exchange** company, 24 hours a day trading, due to the high price of gold, the investment threshold is also very high, affected by the international gold price and the US dollar exchange rate, etc., at the same time, we should pay attention to us as investors in the **spot is to buy and sell contracts to earn the difference, not really to buy**, so it is also risky, not hedging, it is recommended to buy some or not according to their own affordability.

Agricultural and sideline products spot, the investment threshold is low, the risk is small and easy to control, the 20% margin system, mainly for the domestic commodity market, generally not affected by international news, suitable for the first time to try the short-term investment of investors, it is recommended to invest a part more.

Any investment product does not have absolute value preservation, theoretically it is risky, and it is unrealistic to only talk about the return and not the risk of the investment company, so reduce the risk as much as possible and extend the return time in order to make steady profits, which is the correct investment and financial management. If you have any questions, please q me, I hope it can help you!

Spot *** is 24-hour trading, but the spot platform is now very chaotic, and even well-known *** platforms such as Tianjin *** are not recognized by the state, as long as the background of the local ***, so it can be said that there is no other authoritative platform in China except Shanghai T+D, bank paper ** and trading **, ****, and T+D and bank paper ** transaction costs are very high, high handling fees, as well as deferred, position and other fees, **only transaction fees, and very low, **basically in 20 yuan Hands around, and intraday closing is a unilateral fee, now the ***** is basically at night, gold and silver ** currently have a night market, 9 o'clock in the evening to 2 o'clock in the morning, fully meet the needs of daily amateur investors. If you have any questions, you can send me a private message!

Hope it solves your problem.

Actually, we're going to choose now.

If you choose, you must choose to have before.

Business opportunities for Jingneng development.

project, it is recommended that you net.

Upper check--(Mengning.)

Teacher) maybe.

I help you and have a great day.

Office workers have a fixed income, it is more difficult to take out a large amount of funds at a time, there is a certain balance every month, you can choose the method of regular investment ** or regular investment ** to increase the income of assets, because it is a regular investment can also amortize the cost to reduce the risk. In the long run, there will be a good return, which is many times stronger than bank deposits.

You should have an idea of how stock indices and indices are traded and the current state of the market. For ordinary small and medium-sized investors, the stock index has a high threshold and high risk, and they either can't afford to play it, or they can't play it. It is more difficult to operate than commodities, this is "venture capital", and it is necessary to pay attention to risk rather than the so-called high return.

For some professional institutions, it is not yet possible to say that the stock index can make stable profits, and for the ordinary**, there are even fewer that can make stable profits. If you are an office worker, just want to achieve a certain amount of wealth appreciation, it is highly recommended to do stock index**.

I am just an ordinary office worker, my monthly income is not enough, and I also have the idea of wanting to invest, but investment also requires costs. All I suggest that once you have an investment idea, make a plan for your income and save enough money to make a difference. For example:

You earn 3,000 yuan a month, in addition to living expenses, save 1,000 yuan a month, and you will have 10,000 2 cost funds in a year. If you want to invest, you have to recognizeInvesting is also riskyFor our ordinary office workers, we can save a little money and have made ourselves very poor, and we definitely don't want to lose our money.

1. Regular financial management.

Now Alipay can be said to be in use, and the wealth sector has a regular financial management, and the annual interest rate is basically above, and the interest is higher than the bank's regular income.

Two**. There are many types, think more when choosing, choose a low-risk type according to the choice of high returns in recent years, ** is a long-term investment, you need to be patient.

Three**. **It is more valuable since ancient times, and its value will not depreciate in the era of peace and prosperity or in troubled times, and those who are interested in this aspect can be used as an investment method.

Investing in this kind of thing needs to be gradual, everyone knows that working to earn money is not a fast way to get rich, money is the fastest way. For the average office worker, there is only a small fixed salary every month, and there is nothing to use up. Now that the price of goods is so high, 100 yuan is gone, and everyone wants to use investment to earn another income.

Remember not to rush to the doctor, otherwise the gains outweigh the losses.

Low-risk investment, in addition to the bank's wealth management products, is ** and bonds.

What does it mean not to invest, there is not enough money for food and other things, and there is no money to invest. If you have a deposit, you can go to the bank to buy a term bond.

Warren Buffett once said that investment is first and foremost principal security. It is possible to start with the solidity of national debt, **, etc.

You can buy some financial products, you can set up some stalls after getting off work at night, sell some small life products, small investment, no risk, and the basic vegetable money comes out every day.