What kinds of personal financial products are there? What are the characteristics?

I sort out the search information myself, which is relatively complete. Please refer to the following:

Common types of financial management

Savings fund

Bank deposit is convenient, flexible and safe, and is considered as the safest and most stable investment tool. The biggest weakness of savings investment is that the income is lower than other investments, but for families who pay attention to stability, the purpose of maintaining value can basically be achieved.

Stocks.-Be careful

The unpredictability of stock market risk exists after all. High returns correspond to high risks, and the psychological quality and logical thinking judgment ability of investing in stocks are higher.

Necessary property

Buying a house and land is a real estate investment.

The state has taken real estate as a new economic growth point, and intends to reduce the transaction fee tax of real estate and introduce mortgage loan support, which are very beneficial to the real estate investment of working families. Real estate investment has gradually become a low-risk financial management method with certain appreciation potential. However, it takes a long time to realize the real estate investment, and there are many transaction procedures, and the process is time-consuming and laborious, which is worthy of investors' consideration.

Bonds-key points

Bond investment is less risky than stock investment, with high reputation, high interest and stable income. National debt, in particular, is guaranteed by national credit, which has little market risk, but the quantity is small. The security of corporate bonds and convertible bonds deserves careful consideration. At the same time, investing in bonds requires more funds, and its anti-inflation ability is poor because of its long investment period.

Foreign exchange-auxiliary

Foreign exchange investment can be used as an auxiliary investment in savings. Choosing a stronger international currency to deposit in the bank may get more opportunities. Foreign exchange investment requires high hardware, requires investors to understand the international financial situation, and consumes more time and energy than the working class can bear, so this kind of investment activity is unrealistic for most working class.

Antique calligraphy and painting-hobby

Celebrity original calligraphy and painting is the most potential value-added product in family wealth. But for the working class, it is more difficult to invest in calligraphy and painting. At present, there are more and more fakes in the painting and calligraphy market, which brings an uncertain factor to painting and calligraphy investors. Ancient ceramics, utensils, bronze castings, furniture, exquisite furnishings, and even coins, royal supplies, clothes, etc. Because of its long history, it has high ornamental and collection value and great value-added potential. However, in the antique market all over the world, the proportion of counterfeit antiques is as high as 70%, which requires investors to have a high level of professional appreciation and is not suitable for ordinary working families to invest.

Stamps-Simple

Among the collection varieties, the popularity of stamp collecting is the highest. Judging from the development of stamp trading, it is likely that every city and county has set up at least one exchange and trading place. Stamps have good liquidity and are easier to realize profits than antique calligraphy and painting, so they have the characteristics of maintaining and increasing value. However, in recent years, the circulation of stamps is too large, which reduces the appreciation potential of stamps.

Jewelry-Enjoy

Jewelry, broadly speaking, can be divided into precious stones, jade, pearls, gold and other products. Generally speaking, it has the characteristics of easy preservation, small size and high value. Investing in jewelry can kill two birds with one stone. For working families, jewelry can be used as a luxury consumer product, but it is not desirable as an investment channel.

Coin care

Coins, including paper money and gold and silver coins. To invest in coins, it is necessary to identify the authenticity, age, casting area and rarity. To a large extent, valuable coins are hard to find. Therefore, it is unnecessary for working families to spend a lot of energy on this kind of investment.

Lottery-moderate

Strictly speaking, buying lottery tickets is not a way to get rich, but many people participate in it, and some people get rich because of it, so they are gradually recognized as investments by wage earners. Lottery tickets are irregular and the chances of success are extremely low.