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class="noshow">東艷</em><em class="user_id noshow">656</em>由 <em class="nickname"></em> 分享</span> <span id="tmyyfroktkho" class="fl arc_btn"></span> </div> </div> </div> <div id="tmyyfroktkho" class="y_ju"><script type="text/javascript">a("title");</script></div> <div id="tmyyfroktkho" class="con_article con_main" id="contentText"> <p>投資理財(cái)?shù)姆绞胶图记捎心男?/p><p> 　　投資理財(cái)是根據(jù)需求和目的將所有財(cái)產(chǎn)和負(fù)債在內(nèi)的所有資產(chǎn)和負(fù)債進(jìn)行積極主動(dòng)的策劃、安排、置換、重組等使其達(dá)到保值、增值的綜合的、系統(tǒng)的、全面的經(jīng)濟(jì)活動(dòng)。那么，投資理財(cái)?shù)姆绞胶图记捎心男?</p><p><strong>　　穩(wěn)健型投資理財(cái)方式：國債</strong></p><p> 　　國債，由于是以國家資產(chǎn)的信譽(yù)作為擔(dān)保的，所以也被投資者們認(rèn)為是最安全、穩(wěn)賺式的投資理財(cái)方式。一般當(dāng)銀行發(fā)行國債時(shí)，很多市民都會(huì)提前去排隊(duì)購買，但是國債擁有和存儲(chǔ)相同的缺點(diǎn)，那就是流動(dòng)性太差，投資者一旦購買了國債，是不能提前贖回的。</p><p><strong>　　穩(wěn)健型投資理財(cái)方式：儲(chǔ)蓄</strong></p><p> 　　儲(chǔ)蓄可以說是零風(fēng)險(xiǎn)的投資理財(cái)方式，不但安全可靠，操作也比較方便。對(duì)于中老年投資者來說一直將儲(chǔ)蓄當(dāng)做自己首選的投資理財(cái)方式。但是尺有所短寸有所長，儲(chǔ)蓄也有自己不足的地方，首先流動(dòng)性并不好，儲(chǔ)蓄的期限越長，對(duì)于資金的流動(dòng)性來說就越差，而且和其他的理財(cái)方式相比較的話，儲(chǔ)蓄的收益比較低。</p><p><strong>　　穩(wěn)健型投資理財(cái)方式：銀行保本理財(cái)產(chǎn)品</strong></p><p> 　　相對(duì)來說銀行保本理財(cái)產(chǎn)品的性價(jià)比更高一些，而且還可以保障本金的安全，在生活中也是一種深受大家歡迎的穩(wěn)健型投資理財(cái)方式。一般情況下5萬元起投。但是銀行保本理財(cái)產(chǎn)品都有期限限制，并且保本期限較長，如果投資者想要提前贖回，本金將不一定得到保障。</p><p> 　　另外在進(jìn)行投資理財(cái)?shù)臅r(shí)候還要注意些小技巧，只要投資者可以將這些技巧掌握好，那么一定會(huì)給自己的理財(cái)生活帶來意想不到的收獲。</p><p><strong>　　1、開銷=收入-儲(chǔ)蓄</strong></p><p> 　　這個(gè)公式告訴我們?cè)谏钪幸杏?jì)劃地進(jìn)行儲(chǔ)蓄和開銷，要有較強(qiáng)的理財(cái)意識(shí)。首先要制定好個(gè)人或家庭的理財(cái)方針，然后制定好自己每個(gè)月要存下多少錢，再把剩下的資金用于日常消費(fèi)。如果投資者可以長期的堅(jiān)持下去，最后可以獲得一筆可觀的財(cái)富。</p><p><strong>　　2、承受風(fēng)險(xiǎn)的比例=100-當(dāng)前年齡</strong></p><p> 　　這個(gè)公式告訴我們，在進(jìn)行投資理財(cái)?shù)臅r(shí)候要注意參考自己的風(fēng)險(xiǎn)承受能力，以便做出正確的選擇。隨著年齡的增大，風(fēng)險(xiǎn)承受能力越小，資金投入也應(yīng)該隨著減少。由于老年人的風(fēng)險(xiǎn)承受能力較低，應(yīng)該選擇穩(wěn)健的投資理財(cái)方式;年輕人則可以選擇多元化的理財(cái)方式，用分散風(fēng)險(xiǎn)的方式爭取最大的收益。</p> </div> <div id="tmyyfroktkho" class="y_ju"><script type="text/javascript">a("conten");</script></div> <div id="tmyyfroktkho" class="pnum"> <ul id="page_slice"> <div id="tmyyfroktkho" class="clear"></div> </ul> </div> </article> <div id="tmyyfroktkho" class="list_hot ar_related bj_mt20 louti"> <h4 class="title2 title2_te">相關(guān)文章</h4> <ul class="bj_mt20"> <li id="tmyyfroktkho" class="lb_3 chao"> <time>02-16</time> <a href="http://m.rzpgrj.com/lunwen/culture/strategy/64284.html" title="淺談經(jīng)濟(jì)發(fā)展方式轉(zhuǎn)變背景下安徽農(nóng)村文化產(chǎn)業(yè)發(fā)展戰(zhàn)略探究" target="_blank">淺談經(jīng)濟(jì)發(fā)展方式轉(zhuǎn)變背景下安徽農(nóng)村文化產(chǎn)業(yè)發(fā)展戰(zhàn)略探究</a> </li> <li id="tmyyfroktkho" class="lb_3 chao"> <time>02-16</time> <a 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