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现在,人们手头总有一些闲钱,都希望好好运用,不仅要保值,更要能增值,使资金越滚越多。 一、几种资金运用方式比较 买黄金、买房地产、储存在银行里生息、投资于证券市场等,都是可供选择的资金运用方式。 黄金体积小,保管方便,且举世通用,可以保值。只是国内黄金市场尚未开放,买卖不便。至于黄金饰品,其价格远高于黄金,现时买入以求保值或增值,恐怕不合算。 房地产具有绝对保值功能,缺点是投资金额大,小额资金根本无法问津,且变现不易,需钱用时干着急。 将资金全存在银行里生息,名义上可有固定的收益。然而,要是考虑到近年来高通货膨胀的因素,银行存款要保值或增值是困难的。
Nowadays, people always have some spare cash on their hands and they all hope to make good use of them. They should not only preserve their value but also increase their value so that the funds will roll over more and more. First, the use of several ways to use more money to buy gold, buy real estate, store interest in the bank, investing in the securities market, are the options for the use of funds. Gold small size, easy to store, and world-wide, you can hedge. Only the domestic gold market has not yet opened up, trading inconvenience. As for the gold jewelry, its price is much higher than the gold, the current buy in order to preserve or increase value, I am afraid not worthwhile. Real estate has the absolute hedging function, the disadvantage is the large amount of investment, small amounts of money simply can not care about, and the realization of hard-earned money in time hurry. The funds all exist in the bank interest rates, nominally have a fixed income. However, taking into account the factors of high inflation in recent years, it is difficult to maintain or increase the value of bank deposits.