The following are simple financial advice, which should be enough for ordinary families.
Safest: buying a money fund is equivalent to a time deposit, which can be withdrawn at any time. The annual income can reach about 2%.
Second: buy government bonds.
Secondly, buying trust products requires a certain scale of funds. The annual income can generally reach more than 4%
Second: buy stock funds.
Second: buy stocks.
The more insurance, the lower the income and the higher the risk. The less money, the less choices, the more money, the more choices.
It is not easy for you to save money. I suggest you don't rush to go it alone at once, and make necessary preparations before you act. The necessary patience is actually a virtue and a good quality that successful people need.
Investment has different answers for different people and needs to be analyzed in combination with their own characteristics.
In terms of personality, do you like conservative, radical or middle type? Are you rich or pressed for time or are you your own boss?
Conservative: suggested savings, insurance, funds, bonds, real estate (rental), gold, etc. Aggressive: high-risk stocks, real estate (buying and selling to earn the difference), futures, etc. Intermediate type: the first two types are combined according to your own preferences.
If you have enough time, you can learn relevant knowledge to invest. If you are short of time, you can find a professional financial institution to entrust an agent. The best way to be your own boss is to make your own business bigger and stronger.
Give yourself an answer: What kind of investment do you need? Only in this way can other people's suggestions work.
Make an investment plan, find an investment interest and study relevant knowledge carefully, and strictly implement your plan.
1997 began to learn stocks, 1999 began to practice, and it was not until 2004 that real confidence was established (now I started a new plan), and I didn't give up my job. This shows that investment is a very difficult thing. I hope you don't be rash. It's never too late to act when you are ready. You can get as close to success as possible. Start when you feel ready.
In addition, individual entrepreneurship also needs the following principles. Choosing industries and directions according to these principles will get twice the result with half the effort. 1 Choose the sunrise industry 2. Less investment and low risk 3. Consumables 4. Sustainable development.
1 Why choose sunrise industry? It seems that everyone knows the truth, everyone knows, and a few people know "business opportunities" and opportunities! But most people don't have such vision and action to look for it. Only when an industry has just begun to take shape will it accept the disadvantages of limited capital, weak ability and limited experience of early practitioners. When the industry develops to a more mature stage, it is not a free competition but a monopoly competition stage. For example, in the current home appliance market, it is impossible for small dealers with a single brand to compete with Gome and Suning. How do small supermarkets compete with Carrefour and Wal-Mart now? Some people say that I will drive the supermarket to the community. Hehe, it's a pity that there are already multinational giants waiting for such a small supermarket in the community. 7- 1 1 Convenience stores even sell tea eggs. After China's entry into WTO, the retail industry opened to the world, not 20 years ago. You can make money by opening a small shop. The development of retail industry in China is: shopping malls (like state-owned individuals)-supermarkets-warehouse-style hypermarkets. The future development direction is "store-free operation", including online shopping and direct sales (not single-level direct sales), and the trend is getting stronger and stronger. Does your idea conform to the objective trend? In China, there is no industry that is not a sunrise industry, because the consumption potential of 654.38+0.5 billion people is as unimaginable as a cosmic black hole. However, please note that the development of the industry does not mean that individuals have developed!
2 Less investment and low risk. Why? In the market, the investment of one million yuan may also go to blowing in the wind, and it will not show up at all! Especially for individual entrepreneurs, 30,000 to 50,000 yuan is also risky. Not much to say about this! Talk about investment. There are two ways to make money in the world. One way is to exchange time and health knowledge. It is an office worker who has no hope of financial freedom and heavy pressure all his life. The other is investment, which can realize financial freedom. Of course, opening a small shop is not enough. I won't elaborate.
3 Why is it consumables? Because, besides medicine, arms are the largest market for daily consumer goods, and the world's number one enterprise can prove it. The profit is also the biggest. 1993, Forbes announced the three most profitable enterprises at that time, Coca-Cola, McDonald's and Amway. Because rice, oil and salt are used by everyone, as long as there is an estimate of human feelings every day, even during SARS. Now I don't know which enterprise has the biggest profit, and it is estimated to be similar. But it's definitely not selling cars. :)
Sustainable development is the most important! What is persistence? That is to say, at a certain stage of development, even if you have a holiday for three and a half months, your enterprise will not stop developing. It has become an independent money-making machine, not supported by its own strength. Most enterprises are not like this. The boss is gone ... The boss is afraid to leave! What you need to do is to make everyone in your system work hard for themselves, instead of being lazy when the boss is around. This is too difficult! ! But there are ready-made ones. Products, markets, people and income should be sustainable. "High income is not a cow, but a sustained high income is a cow." This lecture can't be finished in three hours. Let's practice!
To be with people with boss thinking, the environment is stronger than the individual! !
Books on marketing teach you to learn professional knowledge and work for others, which is basically useless.