invest as early as possible and persevere.

I'd rather make a small profit than make a big loss.

scientific investment and rational allocation.

There is a very popular saying now: "You don't manage money, and money ignores you". But as far as ordinary people are concerned, what wealth should they manage? How to manage money? It is not very clear which formal channels to manage money through, and they often follow the people around them. Due to the lack of knowledge of investment and financial management, low awareness of investment risks and poor ability to identify risks, investment is often "drawing water with a sieve".

In this issue, a set of knowledge about financial management is specially introduced, which is aimed at young people and old people. At the same time, investors in different fields are listed and their successful experiences are introduced, so as to broaden their horizons and treat investment with a rational eye.

portfolio investment is the safest

trainee reporter Zhang Jing

Ms. Chen works in a public institution in our county. The couple's annual income is about 71,111 yuan, and they have to pay the alimony of several elderly people in the family, the monthly mortgage repayment of the car and the annual tuition of their son. Life will not be easy if we don't increase revenue and reduce expenditure.

Last year, I saw a real estate company with a high return of 2 points per month, so I invested 61,111 yuan, and planned to earn some interest to make myself more comfortable. However, due to the recent cash flow problem of the company, the investment failed.

Although this has brought some influence to Ms. Chen's family, fortunately, she is a "careful" person. Many preparations have been made before, that is, diversification of investment channels. She believes that Qian Shengqian, no matter how many children are born, must have a wise choice, and the investment channels must not be single, so that it will not hang on a tree. Even if an investment variety loses money, it can also solve its urgent needs through other investments, so that the risks of its investment can be dispersed, thus reducing losses.

according to Ms. Chen, her investment channels include bank deposits, stock securities, national debt and insurance. As a family of three, they have five life insurance policies and one F.P.A. insurance policy, and they invest more than 8,111 yuan in insurance every year. There is a return on investment, and the education insurance that has been paid for nearly ten years expires this year, which can just solve the tuition problem of my son going to college.

Opening a restaurant

Xiao Liang, a trainee reporter

After working in Xiaoyang for more than two years, she has accumulated some savings. He is quite investment-conscious. Instead of raising money, he chose to open a small restaurant in the county town. The storefront is small but well decorated, and hot pot stir-fry cold drinks and nightingales are all available. Because the food is distinctive and cheap, the restaurant is full of customers every day. He said that there is no burden when you are young, and you can make some investments with the saved money, which not only accumulates experience, but also has another way to make money.

In recent years, with the development of tourism in our county, the catering industry is booming. According to the statistics of industry and commerce, health and other relevant departments, the number of new restaurants in the county this year has increased by nearly 21% compared with the same period last year. Catering investment has become a major direction for investors in our county to consider investing.

but all investments are risky. Food and beverage investment is becoming more and more popular, and the competition is becoming more and more fierce. Experts remind investors that food and beverage investment should pay special attention to its own characteristics, and the decoration should also have its own personality.

The prospect of rural tourism is also pretty good

Trainee reporter Zhou Yao

Rural tourism is indispensable to the construction of a famous leisure tourism city in the Yangtze River Delta. At present, it has become a leisure choice for many city people to experience farm life in the "farmhouse". For a time, the development of rural tourism was also a heat wave. Not only the villagers near the scenic spot rushed to start it, but even many citizens in the county also turned their attention to this "blessed land".

No, Ms. Ye, who has just retired from a township, is going to invest in "farmhouse music" in the countryside. Ms. Ye, who is used to being busy at work, is somewhat unaccustomed to doing nothing after retirement. It happened that a group of old friends came to the county to travel some time ago. She took them to visit various scenic spots. During the trip, she found that "farmhouse music" everywhere was full of customers and business was booming. As a result, she came up with the idea of establishing a "farmhouse music" in partnership with friends.

In her opinion, it is better to run a "farmhouse" instead of taking high risks to raise funds and stocks. She believes that the opening of "farmhouse music" has become a favorite way of leisure, and there will be many guests visiting "farmhouse music". Although it will be tiring to run a "farmhouse", life should be very fulfilling by raising chickens, cooking and entertaining guests at ordinary times. The key is that the rural air is fresh and the environment is good, and it has left a good place for the elderly.

Opening an online store is also an investment

Reporter Xie Qian

When it comes to investment, Xiaolin, an employee of a company, told the reporter that the cost of opening an online store at the beginning was 1,111 yuan, which was not an investment at all, just to pass the time.

Kobayashi said that he usually has nothing to do after work, and he has played all the places he should play, so he wants to find something to do. However, I don't have much savings, so I thought of opening a low-cost, low-input online shop. On the one hand, I can entertain myself, and if I do well, I can increase some income.

Kobayashi sells fashionable household items, all cute gadgets, because considering that these things will not be out of date even if they can't be sold, and the price is not expensive. "Only when you really start a business can you know that business is difficult to do. In the first month, only a few customers occasionally asked a few words and never sold any goods." Kobayashi said, "However, this is not urgent, and I can only wait for the customer to come to the door. I have been waiting for two months to close the first business. "

Now, Xiaolin's online shop has been open for nearly a year, and she will soon become a crown seller. Besides her salary, she earns nearly 2,111 yuan a month. She feels that she has spent her pocket money in the right place and hopes to really open a physical store of her own one day.

The financial mistakes that the elderly are prone to make

(Excerpted from shanghai securities news)

With the change of social concept, today's elderly people advocate living independently more and more, and also want to invest with limited funds to reduce the burden on their children. However, the elderly people will inevitably suffer economic losses because they don't understand new things and new knowledge, lack scientific and rational analysis ability, and have weak awareness of prevention. In view of this, when the elderly manage their finances, they must go out of the following four misunderstandings.

one is trusting others. Be wary of swindlers using expired, invalid, non-convertible or forged foreign currencies and using collusion to trick them. If the elderly meet someone who claims to sell foreign currency, they must first go to the bank for identification before they can exchange it. Don't be confused by greed for small profits, so as not to end up drawing water with a sieve.

the second is to raise funds with high profits. In recent years, illegal fund-raising cases have occurred frequently, and many elderly people who are eager for money have lost their money. Although the state explicitly prohibits illegal fund-raising, this illegal behavior still exists in some places, especially in the current low interest rate situation, some illegal elements take advantage of the psychology of the elderly who are greedy for high profits, and some claim that the interest rate is as high as 21%-31% to lure individual funds into shares. This is mostly a beautiful trap, so be careful.

the third is to guarantee others blindly. Some old people often lend other people's securities, such as savings certificates and bonds, to the bank for small mortgage loan business because of saving face and providing financial guarantee for others. As everyone knows, once the borrower is unable to repay the loan after the loan expires, the bank will freeze your securities to recover the creditor's rights according to law.

the fourth is to get involved in high-risk investment. The elderly have poor resilience and are not good at calculation, so it is best not to choose high-risk investment methods, such as stock market, foreign exchange market, real estate, etc., and you can choose investments with stable income such as savings and national debt.