Financial Management: Investment Income And Risk Linkage

　　 1. deposits

Bank deposits are, of course, the least risky way of managing money. Capital preservation interest rates. From that day, you will know how much money can be expired. Of course, deposits are also the most conservative way of managing money. In the era of inflation, your savings may become "floating clouds" in a few years.

Risk return analysis: the lowest risk and the lowest return.

　 2. insurance

The basic function of insurance is protection, not investment income. People who buy insurance with investment income have the suspicion of buying money and returning beads.

Risk return analysis: low risk and low return.

　 3. bank financial products

The risk of bank financial products depends on the scope of the funds, whether they invest in bank bills, or invest in trust, loans or even stock market. At present, there are many bank financing products, and there are two kinds of fixed income and floating income.

Risk return analysis: risk is controllable and earnings are generally higher than deposits and bonds.

　　 4. fund

Similar to the bank's financial products, the income of the fund also depends on the scope of fund investment. Stock funds are highly profitable and risky. When the stock market plummeted, the funds cut off half of them. The risk of buying such funds is close to buying stocks. But if it is a bond fund, the risk is much smaller, and of course, the income is much smaller. Currently, the popular financial products of banks are similar to the nature of funds in terms of income and risk, depending on the scope of financial management of banks.

Risk return analysis: risk return depends on the scope of capital investment, usually between fixed interest rate products and stocks.

　 5. stock

Some people would think that the real estate yield should be in front of the stock market, but this is only the last two years. From the perspective of long-term investment, China's blue chips should have a relatively clear upswing.

Risk return analysis: high risk and high return, especially when you do not really understand the stock market, the risk will be greater.

　　 6. gold

In the era of inflation, gold is the most beautiful, but if you have seen gold is not lucky, you know that gold investment, timing is too important.

Risk return analysis: high risk and high return.

　　 7. property

The hottest way of investment in the past two years is that you have enough capital. But if you think the property is stable, it is wrong. Like property, there is a longer-term trend in real estate. China's real estate does have a long process of rising. The problem is that no one knows when the process will end. We only know that when it ends, "god horse is floating clouds".

Risk return analysis: in the short term, it seems to be stable, but in the long run, it is still high risk, high return and poor liquidity.

　　 8. futures

Strictly speaking, futures should not be recommended for ordinary people. Futures are only suitable for players who love to play heartbeat. If you are professionals, it's another matter.

Risk return analysis: absolute high risk and high return.

　　 9. collection

Ever heard of the story of American buyers collecting Zeng Fan Zhi's appreciation of 1000 times over the past 10 years?

　 Risk return analysis: it is suitable for insiders only.

Editor's note: when it comes to investment and financing, the most frequently asked question is: what kind of investment is the most profitable? However, in the eyes of professional financial people, such a problem is wrong, because high yield often means high risk. Similarly, many ways of financing seem to be low, but the risk is low.

Today, we launch the "financial Palace" for readers, ranking nine kinds of financial management according to the income from low to high. But we should understand that the higher the income is, the better the income is from low to high, which means that the risk is low to high. Moreover, liquidity is also relatively bad, because there is no free lunch in the world.