Long-term investment generally refers to various investments with an investment period of more than one year; Short-term investment generally refers to all kinds of investments with an investment period of less than one year.
Long-term investment has high time cost, poor liquidity and great uncertainty, but the expected return is high; Short-term investment has lower time cost, better liquidity and less uncertainty, but lower expected return.
Extended data:
Investment refers to the process that countries, enterprises and individuals sign agreements with each other for the specific purpose of promoting social development, realizing mutual benefit and transferring funds.
It is also an economic behavior that a specific economic entity invests a sufficient amount of funds or physical currency equivalents in a certain field in a certain period of time in order to obtain income or capital appreciation in the foreseeable future.
It can be divided into physical investment, capital investment and securities investment. The former is to use money to invest in enterprises and obtain certain profits through production and business activities, while the latter is to use money to buy stocks and corporate bonds issued by enterprises and indirectly participate in the profit distribution of enterprises.
Investment is a form of innovation and entrepreneurship project incubation, and it is an economic activity to promote the development of project industrialization complex with capital.
Investment is a profitable business activity in which monetary income or any other wealth owner measures its value in money at the expense of current consumption, purchase or purchase of capital goods in order to realize value appreciation in the future.
China investment varieties
1, real estate. Many people invest in real estate, and one family buys N suites and waits for appreciation.
2. bonds. Bonds include national debt, financial bonds and corporate bonds. This is less risky than stocks, but the return is also low. You can choose compound interest. Not many people have national debt, which is called "Phnom Penh bond" because of its good reputation, excellent interest rate and low risk. The risk of financial bonds is relatively large, and corporate bonds have the greatest risk and the highest income.
3. stocks. Stock is a part of the ownership of a joint-stock company and a certificate of ownership issued by a joint-stock company. It is a kind of securities issued by a joint-stock company to all kinds of shareholders, as a shareholding certificate to obtain dividends and bonuses.
4. Precious metals. It has been very hot for several years. "Buying gold in troubled times", under the circumstances of financial crisis, European debt crisis, too many unstable factors in the world and relatively severe inflation in China, many people turn to gold, a universal substance with stable value.
Many gold products of the bank, such as gold bars, paper gold and gold T+D.
5. funds. A fund refers to a certain amount of funds set up for a certain purpose. It mainly includes trust and investment funds, provident funds, insurance funds, retirement funds and funds of various foundations. People usually refer to funds mainly as securities investment funds.
6. Short-term wealth management products of banks. The annualized expected return is about 4%. But this is "annualized". It is more suitable for companies or individuals who have a lot of idle funds in the short term.
7. trust. At least 1 10,000, suitable for people with more money.
8. Coins and antiques collection. There are certain benefits, but it may take a long time and the benefits cannot be guaranteed.
9. Private lending. At present, some institutions do private lending, and the income may be around 5%.