Mytalk

创造奇迹, working miracle

2008-10-19T23:43:00.001+08:00

创造奇迹，我一直都在努力的去创造奇迹！

Working miracle, is what I am doing!

浅谈理财模式

2008-10-10T19:23:00.001+08:00

说说投资理财模式

最近一直在看厦门大学张亦春教授的《金融市场学》，碰巧又收到feedsky的话题广告是关于理财模式比较的，所以本人根据个人的理解，浅谈一下。

从金融市场的类型来说，投资的方式和金融产品主要分为货币性的（时间较短的金融产品，对个人来说主要是短期的债券的投资），资本市场的（最广泛，常见的股票，基金，债券等），外汇市场（主要是利用杠杆和保证金），衍生品市场（期货，期权，互换等）。其实主要最广泛的还是股票，基金和外汇三大类。

现在全球金融都不太稳定，如果你是风险厌恶者，劝你还是把储蓄存在银行，或者定投基金什么的，一些风险低的理财方式，当然收益也相对比较低。"交银施罗德"理财是交通银行推出的定投基金，具体的投资方式和收益，由于本人也没有购买过，所以无从知晓。但是如果你不喜欢风险，而又希望收益比银行利率高是，建议你考虑定投基金。

当然如果你是风险偏好者，像honkin一样，比较喜欢风险，那建议你考虑外汇。大家都知道，收益和风险永远都是正比的。中国的股市虽然幅度很大，但是不支持保证购买，也就是说如果你有100元，就只能购买100元的股票，涨和跌都是以100元为标的的，而像西方金融市场比较发达的国家，就不是这样，你可能买200甚至更多价值的股票，而只要保证你的钱能在所有购买的股票的市值中维持一定的比例即可，所以从这点讲，外汇市场比股票市场收益要大的多，因为外汇的杠杆是100：1甚至200：1，也就是说，你有100元可以去购买10 000甚至20 000元的外汇，当然你要保证如果形式不利于你，你购买的外汇跌幅不要超过你的100元，否则会被清盘。这相当于你用100元当10000元去投资，当然反过来，如果跌，损失也很惨！

总之，选择什么样的投资方式，要看你是风险偏好者还是厌恶者，这一点你比谁都清楚！

最后一句：投资有风险，入市须谨慎！

Fwd: Fight only by myself

2008-10-05T23:42:00.001+08:00

I don't know who is supportting me. Maybe nobody. They only focus on
what they will get from me, and never think for me. I must do it, for
my future life, for my dream, for them. Everyone should have dreams
which is what they go for. Economist, is my dream, and I will hunt for
it with all my enery.

--
Sent from my mobile device

So Trouble...

2007-12-24T19:12:00.000+08:00

More and more work comes to me, so I feel very tired everyday! Panasonic mounting instruments and Universal Instruments are all managed by me, only one person!
Also, I must study hard for the graduation exam in finance, because to be a economist is my dream from many years ago! So I have to finish many learning task everyday after working.

About Love

2007-10-28T17:00:00.001+08:00

Find some important sentences about love,when reading Gibran's essays,On Love.

But if you love and must needs have desires, let these be your desires:
      To melt and like a running brook that sings its melody to the night.
      To know the pain of too much tenderness.
      To be wounded by your own understanding of love;
      And to bleed willingly and joyfully.
      To wake at dawn with a winged heart and give thanks for another day of loving.
      To rest at the noon hour and meditate love's ecstasy;
      To return home at eventide with gratitude;
      And then to sleep with a prayer for the beloved in your heart and a song of praise upon your lips!