Find out about the main investment methods and income of residents

The benefits are unstable, such as the five-year bear market in China from 01 to 05, which caused the public to lose money, and many of them went out of business. However, in 06 years, this round of new **** surge, the average income of resident investors is roughly 20, but this data can only indicate the average income, some of which are profitable at 300 or even higher, and some investors lose 30 or more. For individuals, due to the difference in personal investment level, investment knowledge, and investment philosophy, the income situation is very different!

However, in the case of **general**, everyone's average income this year is still better.

China's bond market is not very perfect, and bonds are mainly based on treasury bonds, which have low risk and low returns, so I will not say more.

**Depending on who they invest in, there are **type**, there are currency type**, and there are hybrid type**. For **type**, 06 is the most beautiful year of **type**, due to the general red, some** investment income even reached 40, which is an unprecedented high return. Due to the large amount of funds, so different from small and medium-sized investors is that their operation is in accordance with the portfolio to diversify the risk, as long as the first, according to the way of the portfolio, avoid the non-systematic risk, so, although the return is not as high as some of the investors, but because of its diversification, the risk is relatively small.

Insurance, if **and** can't be done, buy insurance for financial management, it is higher than the national debt.

The real estate bubble problem has now received widespread attention, and the Ministry of Construction has put forward the argument that "residence is the basic right of citizens", and pointed out that real estate is not completely "marketized" but a non-complete market in which rights participate in seeking violence, so in the next few years after 07 years, the real estate market should wait and see.

Deposits are almost risk-free, but the fact that inflation is higher than deposits makes more and more people feel the lack of investment channels. In recent years, annual inflation has caused invisible losses to our residents! But the state has never released this data, just some ** on the Internet?

There is not a single specific data.

The main elements are: fixed-term, treasury bonds, entrusted financial management, and ** search friends.

The term investment and financial management is not a new term, it can be traced back to the Spring and Autumn Period and the Warring States Period, and was gradually improved in the Western Han Dynasty.

In 1969, in a hotel in Chicago, USA, a small group of investment and financial professionals in various financial industries were discussing a deficiency they saw: each professional field has its own investment and financial advisors, but there is a lack of investment and financial advisors who are fully familiar with various financial fields to serve customers, so investment and financial services came into being.

The investment methods of Chinese residents include banks, insurance companies, **, and trust companies.

The investment method, also known as the "capital contribution method".

Refers to the invested capital.

The form taken. Direct investment, that is, direct investment of capital into production and operation, direct or indirect control of enterprise operation, management activities, the main way is to control a certain proportion of the number of voting shares of a joint-stock enterprise, cooperative operation, the establishment of a sole proprietorship. Indirect investment method, only buy bonds or **, regular income dividends and interest, do not directly participate in the operation and management of the enterprise.

Investment risk refers to the risk that an investor may bear for losses or bankruptcy caused by future operations and financial activities in order to achieve its investment objectives. Investment risk is the most important content of the analysis conducted by the investor to decide whether to invest. The main factors that lead to investment risks are policy changes, mistakes in management measures, significant materials or products that form product costs, and sharp increases in borrowing interest rates.

Investing in dry potatoes is very closely linked to economic growth. In the field of economic theory, the West and China have a similar viewpoint, that is, they believe that the growth of economic reputation is mainly determined by investment, and investment is the basic driving force of economic growth and a necessary prerequisite for economic growth. The impact of investment on economic growth can be analyzed from factor input and resource allocation.

Investments have a big impact on technological progress. On the one hand, investment is the carrier of technological progress, and the application of any technological achievements must be reflected through some kind of investment activities, which is the link between technology and economy; On the other hand, technology itself is also a structure of investment, and any technological achievement is an investment in a certain amount of human capital.

and resources (e.g., test equipment, etc.). The generation and application of technological progress are inseparable from investment.

Market Risk. Investors can't avoid it, which explains why, when the broader market is in a general decline, the share price of a well-profitable and well-managed company may also follow the market**. Non-market risks are individual investments.

Investors can diversify their investments to reduce non-market risks. The so-called "diversification" is the investment of money in different types of assets.

The investment channels that people are familiar with mainly include: banks, insurance companies, trust companies, etc. The main investment varieties they provide are:

1. Banks: RMB or foreign exchange wealth management products, open-ended (**, bond, index, money market**, etc.), certificate treasury bonds;

2. Insurance companies: all kinds of property and life insurance products;

3. **:**, **(closed**, open**), bonds (book-entry treasury bonds, corporate bonds, convertible bonds), warrants, etc.;

4. Trust company: trust wealth management products.

Most of the investment varieties of banks, insurance companies and trust companies belong to fixed income products (except for open-ended**), with an average annual return of 2% 5%, which is mainly suitable for conservative investors, and their investment methods are also very simple.

In fact, it refers to the market or capital market, which is the core of the financial market, and the vast majority of wealth management products of banks, insurance companies and trust companies are invested in the market, including bonds, bonds, etc. Because China's first 15-year history, the common people generally do not know much, and in the past few years, they have experienced a big bear market, which makes many people talk about the change of stock color. The risk is indeed great, but it does not mean that the market risk is also particularly large.

In recent years, ordinary people are very keen to buy open-ended and certificate-type treasury bonds in banks, but due to the blockage of information and lack of knowledge, they do not know that there are also many ** and bonds in the ** market (** in their eyes). The bank can buy the open-ended**, the market can now be directly bought and sold, and the market also has some unique products, such as closed-ended**, ETF (listed exchange-traded index**), LOF (listed exchange-oriented open**), their transaction fees are not only much lower than the bank's**, and the purchase starting point is low (100 yuan can be), can be bought and sold freely, very suitable for low-income working families to invest every month. The variety of bonds is richer than that of banks, the treasury bonds purchased in the bank are called certificate treasury bonds, which are generally paid for the principal and interest at one time at maturity, while the treasury bonds of the exchange are called book-entry treasury bonds, which are generally paid once every six months or one year, and can be bought and sold at any time, which is very convenient, in addition, there are corporate bonds and convertible bonds, which are rich in varieties and have short, medium and long terms.

Can be done ******* TD TD is a variety of the Shanghai ** exchange Bank ** online banking inside the operation You can buy up and down Funds are safe Simple operation One kilogram per hand Margin 20 percent One hand handling fee is about 10 yuan One hand is less than 1300 margin A day's fluctuation is more than 100 yuan Considerable profits.

The new generation of ** can make money regardless of ups and downs Small investment Flexible entry and exit Industrial and Commercial Bank of China carries out fund custody Refer to the details of the reference.

Because the market mechanism is not transparent, the laws and regulations are not perfect, and the investment channels are too simple.

At present, the investment and financial management methods of domestic residents are still relatively concentrated on savings, bonds, and bonds.

Internet finance is "in line with the times" is good. Just interviewed by CCTV ** channel, advanced concept and management model, third-party fund custody, security.