Short-term investments refer to investments that can be realized at any time and held for no more than 1 year (including 1 year), including stocks, P2P, bonds and funds.
The characteristics of short-term investment are mainly reflected in the flexibility of funds, which is suitable for some conservative investors who do not pursue high returns. However, more stable investors will choose to invest their funds in long-term and short-term wealth management products respectively and switch flexibly. As long as the arrangement is reasonable, you can operate with monthly income and income.
Short-term investment refers to all kinds of securities that can be realized at any time and held for less than one year, as well as other investments that do not exceed one year. Short-term investment is very liquid, because companies can sell these securities in the securities market at any time, so it is usually called "quasi-cash".
Long-term investment refers to the investment in assets that cannot or will not be realized within one year, including equity investment, bond investment and other investments. Equity investment refers to the company's foreign investment in the form of purchasing equity or stocks. Bond investment refers to the company's foreign investment in the form of buying bonds. Other investments refer to the company's investments other than bonds and stocks, mainly referring to joint ventures.
Which is better, long-term investment or short-term investment?
1, from the perspective of income
Long-term investment can get better returns than short-term investment, and the most important feature is long time. Of course, there are some exceptions, such as p2p wealth management products whose users' funds are deposited by banks, and the annualized rate of return can reach 14%. If there is a capital demand in the middle, the creditor's rights can be transferred to other investors by means of "creditor's rights transfer" to cash out.
2. From the point of view of flexibility.
Short-term investment is more flexible than long-term investment. Short-term investment allows you to flexibly control your funds in case of emergency. Therefore, for those investors who have low investment cost, want to earn some money regularly and can operate flexibly, short-term investment and financial management will be a better choice.
What's the difference between short-term investment and long-term investment? The relevant answers to this question are arranged here. But for investment, Bian Xiao believes that both long-term investment and short-term investment have their own advantages and disadvantages, and everyone can decide according to their own situation when choosing. Bian Xiao once again reminds everyone that investment is risky and you need to be cautious when entering the market.