时下,家庭投资理财越来越受到人们的重视,但并不是所有的投资方式都适合于工薪家庭,笔者在此文中以满分10分的标准给它们打分。储蓄——基础(9分)银行储蓄,方便、灵活、安全,被认为是最保险、最稳健的投资工具。储蓄投资的最大弱势是,收益较之其他投资偏低,但对于侧重于安稳的家庭来说,保值目的可以基本实现。因此,给储蓄投资方式9分不过分。股票——谨慎(6分)购买股票是高收益高风险的投资方式。股市风险的不可预测性毕竟存在。高收益对应着高风险,投资股票的心理素 Nowadays, family investment and financing more and more people’s attention, but not all investment methods are suitable for working families, the author in this article with a full score of 10 points to give them the mark. Savings - Basic (9 points) Savings, convenience, flexibility and safety are considered the safest and most robust investment vehicles. The biggest disadvantage of saving investment is that its income is lower than other investments, but for the families who focus on stability, the purpose of hedging can be basically achieved. Therefore, nine points for saving investment is not excessive. Stock - Caution (6 points) Buying stocks is a high-yield, high-risk investment. After all, the unpredictability of the stock market risk exists. High yield corresponds to high-risk, psychological investment in stocks