How do ordinary families invest and manage their finances?

With the gradual improvement of China's financial market system and the continuous innovation of financial instruments, the investment and financial management tools available to families will become more and more abundant. The following investment and financial management methods, residents can choose according to their actual situation, reference. [Bank deposit] Residents can choose 5-year, 3-year, 2-year, 1 year, 6-month and 3-month time deposits to match their investments. If it is expected that the bank interest rate may be lowered, increase deposits with long service life and reduce deposits with short service life; If the expected interest rate is likely to rise, reverse the operation. Current savings is the most convenient and liquid financial management method, but the interest rate is extremely low and the income is very small. So try not to use this method. The way of lump-sum deposit and withdrawal can obtain higher income, and this kind of financial management can also control the unsettled random expenditure. For investments with long-term planning, such as buying a house, buying a car, traveling abroad, and saving for the elderly. You can choose lump-sum deposit and withdrawal, and deposit a part of your salary into a long-term account every month. If it is for children to go to school, study abroad, etc. You can also choose education savings, which not only has a higher interest rate, but also does not charge interest tax. [Bond Investment] If you think that the interest rate of bank deposits is low, you can consider bond investment. At present, bonds suitable for ordinary residents to invest are national debt and corporate debt, of which national debt does not charge interest tax. When buying government bonds, we should always pay attention to the announcement of the sale of government bonds, and prepare the money in time to buy during the sale. If you want to buy or trade book-entry treasury bonds, you need to apply for an account at the stock exchange. Compared with treasury bonds, corporate bonds are guaranteed by corporate credit, and the risk is higher than treasury bonds, so the yield is higher than book-entry treasury bonds. A few years ago, the issuance of corporate bonds in China was not standardized, and some debt-borrowing enterprises went bankrupt due to poor management, which led to debt default and high investment risk. In recent years, the regulatory authorities have carried out strict examination and approval of bond issuing enterprises, raised the threshold, greatly improved the credit rating of corporate bonds and greatly reduced the investment risk. [Buy insurance] If residents have some idle funds and pay more attention to future security, but dare not take too much risks, they can choose to buy insurance. Insurance is divided into life insurance and property insurance, of which the former has played an increasingly important role in family financial management in recent years. It can not only reduce the burden of life-threatening for families, but also provide old-age security, disability security and disease security. Compared with bank savings, it is more stable and has higher income, and at the same time it can enjoy tax-free treatment. [Fund investment] If residents have relatively strong risk tolerance and want to get higher returns, but they have no energy or know little about investment, they can choose fund investment-expert financial management. Because the securities investment fund is a financial management team composed of investment experts, it has advantages in knowledge, technology, information and scale, and the risk is lower than that of individual stock investment in the securities market. And in the long run, the income is guaranteed. If you have higher requirements for security, you can choose an open-end fund with better liquidity. Moreover, with the continuous development of the securities market, the number of domestic fund companies and Sino-foreign joint venture fund companies is increasing, and the variety of funds is also constantly enriched. People can choose various closed, open or umbrella funds according to their risk tolerance. [Real estate investment] Compared with financial assets investment, China residents may be more likely to accept tangible real estate investment. In fact, real estate investment in large and medium-sized cities in China is promising. Here mainly refers to the investment in commercial housing, shops and commercial buildings. If residents have considerable savings at home, feel that the bank interest rate is too low, and they are not proficient in securities investment, they will get more generous returns by choosing good real estate for investment. The key is the choice of investment target. Geographical location, environment, popularity, development trend and other factors are all important factors that determine the success of investment. Once the investment is successful, the rate of return will even reach several hundred percent. For example, according to Shanghai's data, about 40% of commercial housing sales are temporary non-residential investment houses. At present, there are many kinds of lottery tickets issued in China, including lottery tickets, sports lottery tickets and football lottery tickets. Various newspapers, magazines, television, internet and other media have also opened columns and special issues for this purpose. Xu xingfu