What is the difference between personal finance abroad and domestic finance?

Taking insurance as an example, foreigners generally buy US dollar policies, US dollar policies, and the company's investment is global, and the dividends will be relatively high; On the other hand, the yield of RMB policies in China is lower because they are limited to domestic investment and the dividends are lower. Therefore, many Mainland people are now going to Hong Kong to buy US dollar savings policies, which are safe and have stable income.

In fact, foreigners have a strong sense of risk, some of them are buying, but most people still choose to buy bonds, buying bonds is also a relatively stable way of financial management, and in our country, I think the older generation of people do not have any financial awareness, such as my mother, I know to keep money in the bank, she said it is safer.

I have a friend in the United States, she said that she usually has no experience in financial management, but will choose some fixed income products, which generally cover treasury bonds, corporate bonds, the first-class loan market and insurance products. Compared to me, I just bought a personal insurance, she said that in the United States, the whole people have a high sense of financial management, and families will instill this awareness of financial management in their children from an early age.

How to say it, foreigners' financial investment is generally diversified, that is, it is possible to invest a little in **, buy some bonds, or invest in physical stores, which is more diversified, and it is relatively single in our country, basically not stored in the bank, or to buy commercial insurance.

Most U.S. investors choose to invest in real estate, and I think the least risky investment is residential housing, because residential housing is in demand, and as long as the population increases, there will be demand. Commercial buildings usually have a higher investment risk because they are more affected by the market, for example, when the economy is good, the occupancy rate of office buildings will be high, and when the economy is bad, the occupancy rate will decrease. The same is true for warehouses, when the economy is good, the circulation of goods is fast, and the quality of the warehouse will rise, and when the economy is bad, the amount of goods will decrease, and the demand for warehouses will decrease.

The riskiest investment is land, and the greatest return on investment is also land, a barren piece of land, if developed, it will skyrocket overnight, and it may also sit idle for 50 years without any profit, of course. In conclusion, the higher the return on investment, the greater the risk of the investment. I feel that foreigners are more bold in terms of investment, while Chinese people are more conservative and will only invest in financial products such as insurance.

The form of each country is not the same, the way of financial management is also different, our country may be more to buy insurance, foreign countries pay more attention to the industrial aspect, good conditions will invest in real estate or other visible things, and then slowly realize.

In foreign countries, especially financial powers, the main purpose of their investment is to preserve value, because in countries where the economy is facing bubble bursting at any time and has experienced several financial turmoil, they have a deep understanding of finance, and value preservation is the most important investment purpose. The domestic ones are more conservative, and there may be fewer large-scale financial management, all of which are small, such as commercial insurance.

American parents educate their children about independence from an early age. Most U.S. students pay their own living expenses after the age of 18. If they live in their parents' house, they also need to pay a certain amount of "rent" to their parents.

In this case, most American college students rely on part-time jobs to earn living expenses. Although college tuition in the U.S. is expensive, college students can easily get loans from banks. Eighty percent of American students I know are on loans to stay on top.

As a result, the first money that American college students earn after graduation is usually used to pay off student loans.

John, a graduate student in economics from Denver, said that after graduating from college and waiting for a stable life, young Americans usually do some venture capital, but the amount of money invested is generally very small. In his own case, he usually divides his money into two parts, only 20% of which is used for venture capital, buying ** or **, and the rest is deposited in the bank for conservative spending. John is 31 years old and has just started a family.

He said that many young people in the United States usually think about their "future value" when investing, he said. In other words, they will comprehensively consider their own knowledge and the trend of economic development, so as to make an estimate of their "earning power" in the future. Younger people with higher estimates are more likely to make venture capital.

The predictions of American economists that "the US economy will go downhill" have a certain impact on the investment confidence of young people. Noel, a 27-year-old from Hawaii, is currently studying for an MBA at a university in the United States. After graduating, his plan is to manage his parents' family guesthouse.

He believes that although the U.S. economy is stable, it will soon decline, so he will invest his money in real estate to "preserve its value".

Andree, a 26-year-old German, said that when young Germans have "spare money", they usually go to the bank for financial advice. Because of the high risk, Germans are not very keen on investing, and most of them will invest their money in more secure bonds. But interestingly, young Germans rarely invest in properties that are more insurable than ** bonds.

None of the young people Andree knew had a property. He explained that the reason for this may be to add more possibilities to life, as there is less chance of mobility when you have a property. In a country with a relatively sound social welfare system, such as Germany, residents are also very aware of insurance.

According to Andree, the vast majority of young Germans have a pension** and plan for their retirement days decades in advance.

Although Thailand is geographically close to China compared to the United States and Europe, there are many cultural similarities. But young Thais also have their own characteristics when it comes to managing their finances. Thailand's ** market is not very popular among young people.

They are more willing to invest in property and cars. If they invest, they will also tend to take the long term, buy the big company's **, and receive dividends. J works for a foreign company in Thailand.

At the age of 24, she spends most of her salary on food and clothing. At the beginning of this year, as the price of gold was doing quite well, she used the money she had saved to buy gold bars at the suggestion of her mother. According to J, investing in gold bars is also another preference of young Thais.

Generally, it is necessary to find a financial institution advisor to be responsible.

** is the first choice! And then it's about saving money (don't think that only Chinese save money)! And then it's time to buy Treasury bonds!

Some of the brave ones will go for VCs! If you are timid, buy insurance for yourself! Oh, the concept is different, let's spend every penny!

and "thrift".

Now is the age of electronic information, and the relationship between financial management methods and geographical location is not very large, especially for lovers of technical analysis. You can invest in local**, forex as well as **** and so on.

Recommend a platform.

This allows you to trade ** and all kinds of ** in the world's important markets, including foreign exchange, ** and other agricultural products.

1. Don't be in a hurry to buy **, don't just want to buy the lowest price, this is unrealistic. It is also good to really pull up**You are the high price**, so it is better to buy**miss, not to be at fault, not to buy and sell blindly**, it is best to buy **familiar with the disk**.

2. If you are not familiar with it, you can simulate trading first, be familiar with the nature of stocks, it is best to follow for a day or two, familiar with the operation methods, and you can master the best points.

3. Pay attention to the necessary technical analysis, pay attention to the changes in trading volume and the language of the disk (the situation of the disk buy and sell orders).

4. Try to choose hot spots and appropriate points, so that the stock price can be out of the cost area after the same day.

Three people and: ** is more, the popularity is strong, the stock price rises, and vice versa. At this time, what is needed is personal ability to watch the market, and whether it can find hot spots in time.

This is the key to success or failure. **Operation** to be ruthless, the mentality to be stable, it is best to be correct**after the stock price** out of the cost, but once the judgment is wrong, when it comes to adjustment**, it is necessary to sell the stop loss in time, you can refer to the previous post: win in the stop loss, here will not be repeated.

Fourth, the skills of selling**: **It is impossible to be all the time**, there will be adjustments when it rises to a certain extent, then the **operation will be sold in time, generally speaking, when making money, it is right to sell at any time. Don't want to sell the most, but for the sake of the greatest profit, there are still skills in selling, I will introduce my experience (not necessarily the best):

1. If there has been a certain large increase, and the volume is rapidly rising to the price limit without sealing the limit, you can consider selling, especially if there is a long upper shadow.

If you put a huge amount of stagflation or a long upper shadow line in the minute or daily line, you generally do not continue to increase the volume the next day, and it is easy to form a short-term top, so you can consider selling.

3. You can see the 15 or 30-minute chart of the tick chart, such as 5** cross 10 days ** down, and sell in time when the trend feels weak, this trend is often the beginning of the ** adjustment, which is very valuable for reference.

4. For the wrong purchase, you must stop the loss in time, the higher the better, this is a long-term actual combat practice accumulation process, you have to pay if you see the mistake, there is nothing to wait.

What are the differences between Americans' and Chinese's financial concepts?

It depends on the country.

Hope it can help you, if your problem is solved, please click to adopt, thanks.

1. Automatic investment service design.

Betterment**'s investment service in the U.S. is an online personal investment service that connects a client's bank account with a long-term investment account for bonds. This investment tool combines an intuitive user interface with a fast and efficient investment for the client. Simple and easy to use, suitable for complex investment transactions.

The growth of funds in the account is exempt from personal income tax, and the client does not have to pay any fees for withdrawing the funds therein. When a client invests funds into a betterment investment plan, the company allocates the proportion between the bond investment and the bond according to the client's instructions, and the client owns the company's selected shares of the bond market, and the company handles the purchase and sale of the investment product.

2. Moneylogic from the Bank of Montreal, Canada

It is an online personal financial management tool that allows customers to view, track and manage their spending and savings accounts, as well as create budgets and set financial goals. Customers can manage their transactions and view their spending and deposit transactions, which are listed under categories such as "Auto", "Housing", etc. The overview page displays the customer's account balance, budget, and deposit target for easy understanding.

MoneyLogic also collects information about customers' deposits and spending, and generates easy-to-understand charts for customers.

3. Personal capital software provided by the personal capital company in the United States

It's a personal financial management tool that brings together all of their account information, allowing them to manage their accounts, make payments or invest in one place. In the Investment Allocation area, clients can see how much cash, bonds, international markets**, U.S.**, and unclassified assets are, as well as their percentages and pie charts. The goal of personal capital is to make one's own customers live in a better financial situation.

1. Currency**, the capital preservation in Yu'e Bao and Wealth Management is also a kind of currency**. Now 3% or 4% per year is quite a lot. 2. P2P, P2P risk is of course, recommended for personal use:

Group Loan Network (6%-20%) When the income from work cannot be improved, it is better to spend time looking for a suitable platform. 3. Wealth management products of banks. Starting at 50,000.

The annual income is also more than 4%. You need to be careful not to listen to customer service to buy ** or something. The trust class will be higher.

4. ****If you don't have a brainless fixed investment, the rate of return depends on luck. At least weekly or monthly, pay attention and make adjustments. **Class** (including hybrid), the risk is relatively large, and the yield of the bond base is reduced, but it is safer.

5. **, let's not talk about this. 6. The index ETF in ** requires trading time to trade, and there is no **risk, but it is also very tightly linked to **. 7. Buy a suite shop with provident fund, use the provident fund to take out a loan, and then rent it out and use the rent to repay the loan.

8. Angel investment, equity and the like, depending on what you need to study.

According to the current form of strict supervision, the P2P financial situation in 2017 will definitely be better. It should be said that the big platform will not change too much, but it is difficult to say that there will not be a small and medium-sized platform that will become a dark horse to stand out. For example, many investors call it a small platform that is small and beautiful and has strict risk control.

I think that the platform with collateral for borrowing will have better development prospects.