Nowadays, family finance and investment, more and more people\'s attention, but not all investments are suitable for working families, I this with perfect score 10 points in the text of the standard rate them.
Savings-Basic (9 points)
Bank savings, convenience, flexibility, security
, Is considered the safest, most robust investment tools.
Vulnerable is the largest of the savings-investment, low income compared to other investment, but for families that focuses on secure, Basic for hedging purposes to achieve. Therefore, 9 to the savings-investment way too much.
Stock – caution (6 points)
Buying stocks is high return and high risk investment.
Stock market risk of unpredictability, after all, exist. High income corresponding to high risk, investing in stocks of psychological and logical thinking ability in higher. Variability of the uneven quality of listed companies in China and the Government policy, is the main reason for the higher risk in China stock market. Therefore, stock investing way up to 6 points.
Property--the necessary (7.5 points)
Buy a House and land, which is a property investment.
States have the property as a new economic growth points, and taxation of property transactions intended to lower and introduction of mortgage loans, which are very conducive to working family\'s property investment. Property investment has gradually become a low-risk, a certain appreciation potential way of managing money. Acquisition of property, first of all, can be used for consumption, second to sell and earn high returns when the market Bullish, and investment property is not affected by the effects of inflation.
But long on realization of investment property, trade procedures, process time consuming loss. However, these relative to its potential, negligible. Property investment should have 7.5 minutes.
Bonds – focus (8 points)
Investments in bonds, its higher risk than small stocks, credit, higher interest rates, income stability.
Especially bonds national credit guarantee markets less risky, but few in number. Corporate bonds and convertible bonds of security deserve serious criticism, while the bond investment needs more funding, because of the long investment horizon, and poor anti-inflation. Therefore, bond investment only to 8 points.
-Foreign Exchange-secondary (5 points)
Foreign investment, can be used as a secondary investment savings, after you select a relatively strong currency on international exchange Bank, perhaps more opportunities available.
Foreign Exchange investment on hardware requirements are very high, and that requires investors to discern the international financial situation, its consumption of time and energy over the scope of wage-earners can afford, this investment activity for most wage-earners, not reality. Exchange at the value of an investment of 5.
Calligraphy and antiques--like (4 points)
Celebrity authentic paintings are household wealth of most potential in value-added products.
But paintings as investments, more difficult for wage-earners. And calligraphy and fake now, more and more foreign several major auction houses have no guarantee of authenticity of Chinese calligraphy, which also gave paintings investors an uncertain factor.
Ancient ceramics, pottery, bronze casting, enamel, and ancient furniture, exquisite furnishings and even the ancient coins, Royal supplies, clothing, antiques.
Because of their age, became increasingly rare treasures, great value-added potential. In around the antique market, antique imitation up to more than 70%, antiques, after all, is the highest of all investment in the professional requirements, is appropriate for the General salaried family of investment, only for appreciation.
Calligraphy and painting antique investment ways you can get a score of 4.
Stamps--easy (8 points)
Stamp rate of return on investment is higher.
In favorite varieties, philatelic maximum penetration. From the perspective of stamp transactions, each city is likely to establish at least one Exchange, trading places. Stamps of the realisation of good, making it easier to deliver profit than antique scroll, so characteristic of more value. But in recent years have issued stamps, reduce the potential of a stamp. But for hobby, working-class, year book of hundreds of price is not high, with stamps to salaried family member high on the Visual sense, stamp investments also have up to 8 minutes.
Jewelry – enjoy (4 points)
Jewelry in General can be divided into products such as gems, jade, pearls, gold, generally speaking, has the characteristics of easy to save, small volume, high value, can be made into necklaces, bracelets, rings, earrings, wear in them as decorations.
Investment and jewelry, have two birds with one stone effect. Jewelry hedge role of enhanced international also use gold as one of the powerful weapon against inflation. For working families, jewelry can be used as a hedge of luxury goods, but as an investment channel not desirable. Jewelry investment only 4 points.
Lottery-there are degrees (1)
Buy lottery tickets, strictly speaking not a way to get rich, but many participants, it was so rich, and therefore acknowledged as investment has gradually been wage earner.
Lotteries have no laws to find, extremely low chance of success. If the purchase of lottery tickets as a means of investment, it is only a value of 1.
Money – carefully (3 points)
Coins, including notes, gold and silver coins, currency is a precious coin in the history of, need to identify their authenticity and dating, casting area and level of rare, valuable coins can be met to a large extent not seeking.
Therefore, salaried family there is no need to spend a lot of effort to do this type of investment. Coins there are 3 ways of investment has been very good.
