6 Ways To Reveal Family Finances

New year's day has just passed, and there will be more than a month or ten days before the Spring Festival. How should we spend the year-end bonus?

More and more families with financial awareness began to choose year-end awards to buy financial products.

However, financial products and financial tools have different characteristics and corresponding adaptable populations. Therefore, it is important to distinguish between them. What are their characteristics?

1, bond investment

Bonds include treasury bonds, financial bonds, corporate bonds and so on.

The highest credit rating is treasury bonds, such as the Treasury's recently issued part of electronic savings bonds, the annual interest rate of 3 years is 5%, 5 years, the coupon's annual interest rate is 5.41%.

In the aspect of withdrawal, the withdrawal of interest on national debt is generally not allowed in advance for half a year, but is not allowed to be paid in advance; while the interest rate is less than 2 years after deducting for half a year, the interest rate is deducted for 6 months. After holding 2 years' dissatisfaction for 3 years, the interest rate is deducted for 3 months, and the three days before the payment date and the maturity date can not be paid.

Although the credit rating of treasury bonds is high, the disadvantages are obvious and the income is not high.

This type of investment is suitable for consumers who are not sensitive to investment return and are extremely sensitive to risk.

Stock investment is the most popular and popular investment mode among the public.

If you can withstand certain risks, individual and family can properly configure stock investment.

At present, the market's location is around 3200, and the overall increase in 2014 has been over 50%, so stocks are still a good choice.

However, financial planners remind investors that stock speculation is not just about how to choose stocks, but also about the scientific allocation and rationalization of stocks and capital, so we need to pay attention to diversify risks.

3. Trust investment

Trust is a kind of investment with higher income and payment security.

Such as common trust in real estate development, trust in government municipal engineering and so on, its income is generally fixed, and the annual income is about 7%-12%.

However, the investment threshold usually set by trust is relatively high, and the required investment funds are generally over 1 million.

Therefore, investors with large amount of funds can refer to investment of trust.

Compared with the security of the trust payment, some of the fund's investment does not require the same threshold of funds as the trust can get almost the same investment income.

5, bank financial products

The expected revenue of financial products is about 4%~6%.

The characteristics of bank financial products are better security, more varieties, more flexible investment period and convenient purchase.

But the drawback is not high.

Fixed income financial products have also been popular in recent years.

Although there is no trust and other high security, but fortunately, low investment threshold, good mobility and high returns.

This kind of investment is suitable for a wide range, and is suitable for the vast number of wage earners and middle class.

In view of the current financial market, the above 6 kinds of investment are relatively common for year-end awards.

It is suggested that consumers can adjust and match their investment targets and risk tolerance in the final choice, and choose the appropriate way of investment and financial management.