There are many wealth management tools for managing your assets. You can manage your money or assets in a systematical way.
Risk management: Risk is an uncertain issue. We cannot know when the risk would appear, so we need to have a suitable risk-management skill. For personal risk management, there are some ways to manage personal risk, for instance, life insurance and medical insurance.These tools can help you to manage your uncertain risks and do not affect your original plans.
Bond: It is a low-risk investment in the financial market. The popular bond is the US Treasuries bills/bonds. However you will get a lower return in this investment as bond is a kind of low-risk investment. After you buy a bond, you can receive interest in a period and get back the principal in the maturity day of the bond.
Stock: This investment tool is a risky investment but the most popular one in Hong Kong. You can buy stocks through banks. Also easy to get more information in society such as Hang Seng Index (HSI) to consider the investment action in stocks.
Fund: Fund is an investment portfolio which is holding more than one asset in your whole investment plan. I think all of you have invested in fund as your Mandatory Provident Fund (MPF) is one example of investing in funds.
Product: It also is a risky investment. You can buy gold, oil, rice etc. which are real assets in the world affecting by demand and supply. If you predict the gold will have a higher demand in the future, you can buy it first and then sell it in the future as to gain the premium.
Risk management: Risk is an uncertain issue. We cannot know when the risk would appear, so we need to have a suitable risk-management skill. For personal risk management, there are some ways to manage personal risk, for instance, life insurance and medical insurance.These tools can help you to manage your uncertain risks and do not affect your original plans.
Bond: It is a low-risk investment in the financial market. The popular bond is the US Treasuries bills/bonds. However you will get a lower return in this investment as bond is a kind of low-risk investment. After you buy a bond, you can receive interest in a period and get back the principal in the maturity day of the bond.
Stock: This investment tool is a risky investment but the most popular one in Hong Kong. You can buy stocks through banks. Also easy to get more information in society such as Hang Seng Index (HSI) to consider the investment action in stocks.
Fund: Fund is an investment portfolio which is holding more than one asset in your whole investment plan. I think all of you have invested in fund as your Mandatory Provident Fund (MPF) is one example of investing in funds.
Product: It also is a risky investment. You can buy gold, oil, rice etc. which are real assets in the world affecting by demand and supply. If you predict the gold will have a higher demand in the future, you can buy it first and then sell it in the future as to gain the premium.
The title of Risk Management should be highlighted / differ from the investment tool / instrument.
ReplyDeleteAnd take a look of the pamphlets from the local bank, insert some examples under each investment tool.