First, correctly handle the relationship between investment securities and everyday life. Because most people who engage in personal securities, are based on wage income households to maintain their daily expenses, surplus funds are not sufficient. This requires individual investors to invest in securities at the time, you should first arrange and ensure the necessary expenses of family life, and then the balance of funds invested in securities, cut can not be made due to improper investment decisions affect normal family living expenses.
The second is reasonably raise funding. Funds for investment securities, under normal circumstances the use of surplus funds primarily families; If left to expend temporarily idle funds in the future when there is a specific purpose, you should consider investing in a relatively small risk securities such as treasury bills, corporate bonds. Refrain debt investments, unless a shorter period invested in securities, highly reliable, and better income.
Third, we must determine a reasonable period of investment securities. Generally speaking, the longer the investment period, the higher the income, but the risk is greater, then, should I have available funds to investors as an investment term basis, in order to prevent cash flow problems.
Fourth, try to invest in a strong liquidity of the securities. Thus, when investors need cash, or when you need to adjust the types of investment securities, in time "get rid of" realization. To this end, the investment only in the choice of investment securities, should give priority to investment in listed securities, as the liquidity of listed securities and realized the strongest, but the yield may be relatively low compared to those of non-listed securities. This need to be chosen based on objective circumstances of the investor.
Fifth, we must weigh the benefits and risks of investing in securities pros and cons, especially to analyze their risk tolerance, good risk of psychological and material preparations, and then put into investments. |
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