ABM digital currency

1. You can use telegraphic transfer, UnionPay debit card or credit card, digital currency and other ways to deposit money into your account.

2. What are the channels of personal investment and financial management: (1) saving is the most chosen way of financial management, which is not considered investment. Because it will not lose money and does not need to pay attention, it has the highest degree of attention, but the income is the lowest among all financial management channels 2 Funds, trusts and bank financial procts have attracted more and more attention in recent years because of their high returns and low risks. However, many of them started with 50000 yuan, which keeps many people out of the door. And they will also have losses, so be careful not to put all the money on one proct 3 Stocks have been sought after by gambling addicted Chinese since they came out. When a group of people lost all the money they had saved for more than ten years, they realized that "speculation has always been a vampire on retail investors" 4 The harm of futures is mentioned above. The most terrible thing about futures is leverage. With leverage, people's greed and desire are magnified dozens of times or even hundreds of times, and finally they are on the road of no return, because few people can control their own demons 5 Precious metals (gold, silver, oil) in recent years, more and more people invest in gold and silver, you do not see the Chinese aunt speculation gold big game, gold and silver is rising in the long run, do not do short-term operation, buy away from the hand, want to lose are difficult, but most people in order to maximize profits, frequent transactions, the results of disastrous defeat, high fees are frightening. Here, the domestic gold and silver transaction fees are ten times higher than those of foreign countries 6 At present, foreign exchange speculation is strictly prohibited in China, so if you want to play, you can only operate on foreign platforms, but there are levers. According to statistics, only one in a thousand can make money. At present, many domestic banks can carry out online transactions of foreign exchange without leverage 7 In recent years, the real estate boom makes many people hate it. However, we have to admit that real estate is a good investment channel with high returns. In addition, those who love to collect antiques, calligraphy and paintings, and gamble on stones: in the future, there will be hundreds of times of income, but they need to have brilliant vision and rich money to buy, and they need not to rush to use money in a short time 8 Insurance is also a good financial channel, many people only pay attention to its claims, but ignore its financial effect. In the end, I wish you all success in financial management and investment, and prosperity in your life.

3. Abstract: the choice, combination and adjustment of family investment and financing can be defined as the family's demand preference and investment tendency for one or several kinds of assets. This paper analyzes the family's investment and financing behavior, It also analyzes how to obtain income and how to avoid the risk of family investment and financial management, hoping to help the practice of family investment and financial management, Investment and financial management has become an increasingly important issue. Family investment and financial management is an effective investment in personal assets against risks, so as to maintain and increase the value of wealth and resist the economic risks in social life. Whether it is savings investment, stock investment, foreign exchange investment or insurance investment, e to the increasing variety of investment, the required professional knowledge is not the same, It is also difficult to master the investment methods. The asset selection, portfolio and adjustment behavior of a family are defined as the family's demand preference and investment tendency for one or several kinds of assets. This paper analyzes the family's investment and financial management behavior, and analyzes the way to win the family's investment and financial management, the risk and avoidance of family's investment and financial management, Hope to help the practice of family investment and financial management. 1、 The choice of family investment and financial management (1) the necessity of family investment and financial management choice when a family invests, the first thing it faces is the choice of investment mode and field. Generally, it should consider the income and risk of assets as well as the mutual restriction relationship, choose one or several kinds of assets, and determine the number and proportion of investors. Before the reform and opening up, in the eyes of most Chinese people, "investment and financial management = Bank = savings office", what personal financial investment brought to the people was only "saving money to generate interest". Today's ordinary people not only have the ability to "wear gold and silver", but also have a disposable income of tens of thousands of yuan. New investment varieties have graally become an important part of personal investment and financial management. Such as financial futures, financial options and other emerging personal investment tools emerge in endlessly, which has a great impact on modern personal financial portfolio. In many ways of asset selection, it is a kind of asset selection strategy under the condition of depressed market to guide families to make use of the depressed capital market, raise social hot money at a lower cost, and choose their own suitable way for rational investment. For example, before 2006, China's stock market was very depressed. Many sober minded and far sighted investors dared to borrow money from their relatives and friends at the interest rate of two cents and raise immature certificates of deposit. They used the certificates of deposit for bank mortgage loans, and deposited the loans and borrowed funds in the bank to buy stocks. Because of the accurate grasp of investment opportunities, they chose the right investment methods, As a result, less than a year later, the stock market boomed in the second half of 2006, and the return rate of their stock purchase reached 100%, which made them obtain amazing high returns. Theoretical and empirical analysis shows that: most of the family's asset selection criteria are to bring new income or the increase of relative income in the near future. We should diversify investment according to our financial resources and abilities, but we should avoid blindly following the crowd and borrowing money to invest. Financial investment tools are generally divided into conservative ones such as bank deposits and growth ones such as bonds and funds; High risk and high return type, such as futures, foreign exchange, real estate, etc; Fine professional knowledge, such as stamp procts, jewelry, antiques, calligraphy and painting. We should diversify our investment as much as possible, but we should not blindly follow the crowd to invest. We should give full play to our personal advantages and make diversified investment as much as possible so as to get the maximum profit 2 At present, new investment varieties have graally become an important part of personal investment and financial management. Such as financial futures, financial options and other emerging personal investment tools emerge in endlessly, which has a great impact on modern personal financial portfolio. Now the main types of family investment are: 1. Bank deposits. For ordinary people, deposit is the most basic way of investment and financial management. Compared with other investment methods, the advantages of deposit are: variety, flexibility, value-added stability and security. After deciding to deposit, investors are faced with the choice of deposit term structure. The main choice of investors is current deposit or fixed deposit. In fixed deposit, it depends on the income and expenditure in the future, as well as the expectation and grasp of other better investment opportunities in the future. 2. Stock investment. Among all the investment tools, the stock (common stock) is one of the investment tools with the highest rate of return. Especially from the perspective of long-term investment, no public investment tool provides higher return than common stock. Stock is a kind of personal stock certificate issued by a limited company to its shareholders in order to raise its own capital. It is a certificate representing the ownership of share capital and a kind of valuable securities by which shareholders can obtain dividends and bonus. Stock has become an important goal of family investment. 3. Investment funds. Many people want to invest in the stock market, but they don't know how to choose their own stocks. The most ideal way is to entrust experts to make investment choices on their behalf. This kind of investment method is fund. Investment fund refers to a kind of investment tool that through the form of trust, contract or company, through the issuance of fund securities, a large number of uncertain social idle funds are raised to form a certain scale of trust assets, which are handed over to the professionals of specialized institutions to make decentralized investment according to the principle of asset portfolio, and then shared according to the proportion of investment after obtaining income. Compared with other investment tools, the advantages of investment funds are expert management, scale advantage, risk diversification and considerable returns. It is the best investment tool for family investors who are short of time and have professional knowledge. 4. Bond investment. Bonds are between savings and stocks. They have higher interest than savings and lower risk than stocks. They are suitable for middle-income families with more idle funds. Bonds have the characteristics of fixed term, repayment of principal and interest, transferability and stable income, which are welcomed by conservative investors and the elderly. 5. Real estate investment. Real estate refers to real estate and real estate, namely housing and land. Because the purchase of real estate is a very important investment for every family, the family should make a good financial plan to invest in real estate; Reasonable arrangements for the purchase of funds and attention to the real estate market changes at any time, so that when prices rise substantially, sell cash to get the price difference. Among all kinds of investment methods, the advantage of real estate investment is that it can maintain its value. When the inflation is relatively high, it is also the time when the real estate price rises; Moreover, real estate can be used as mortgage to obtain loans from banks; In addition, investment in real estate can be left to children as a family property. 6. Insurance investment. The so-called insurance refers to a method in which the insurance company collects a certain premium from the policyholder according to the regulations, establishes a special insurance fund, and adopts the form of contract to provide economic compensation for the accidental losses and economic security needs of the policyholder. Insurance is not only a kind of preparation in advance and remedy after the event, but also an investment behavior. The insurance premium paid by the applicant in advance is the initial investment of this investment; After obtaining the right of claim, the policyholder can obtain economic compensation from the insurance company, namely "investment income", once the disaster or accident occurs or the insurance needs; Insurance investment has certain risks. Only when disasters or accidents occur and cause economic losses, can we get economic compensation. If there is no relevant situation ring the insurance period, the insurance investment will lose all. Family investment insurance mainly includes family property insurance and life insurance. At present, the major insurance companies launched a series of life insurance procts, such as disguised capital link or dividend, which makes insurance have both investment and protection functions. Insurance investment is not the most important, but it is the most necessary. 7. Futures investment. Futures trading is a standardized form of trading in which the buyer and the seller deliver a certain amount of margin through the exchange and deliver a certain quality and specification of goods at a certain time and place in the future. Futures trading is divided into commodity futures and financial futures. We should be cautious in the choice of futures trading. 8. Art investment. Overseas, art, stock and real estate have been listed as three major investment objects. Compared with other investment methods, art has the following advantages: first, the investment risk is small. Art is non renewable, so it has a very strong hedging function, and its market volatility is not very large in the short term, so investors can grasp their own destiny, with strong security. Second, the rate of return is high. The non renewable nature of artworks leads to the strong appreciation function of artworks, so the investment return rate of artworks is high. But at the same time, the defects of art investment are also more prominent: first, the lack of liquidity. Once the art is purchased, it may not be able to sell in the short term. The period between the buyer and the seller may be as long as several years, decades or hundreds of years, which is unrealistic for the average family with relatively poor capital. Second, under normal circumstances, the identification of works of art needs strong professional knowledge, and families and indivials who do not have the ability to identify are still cautious. 2、 Whether it is financial assets, physical assets or instrial assets, there is a problem of reasonable combination in family investment and financial management. From holding one kind of asset to investing in more than two kinds of assets, from only having a single asset that is not systematic to having a systematic portfolio asset, this is an important sign of the maturity of family investment and financial management behavior in China. Many families have realized that the family portfolio with real economic value is not the pursuit of maximizing the utility of a single asset, It is the maximization of the utility of the whole portfolio. Because there are substitutability and complementarity between assets, the substitutability of assets is reflected in the demand of various assets. The changes of relative price, public investment preference, and even income expectation may show the relationship between the two. The complementarity of assets shows that the demand change of one kind of assets will cause the demand change of another or several kinds of investment goods, such as the linkage relationship between housing, building materials and decoration instry. Therefore, from the perspective of economics, it is not difficult to prove that holding too much of an asset will proce adverse effects, the utility of holding will decline, the cost will rise, the risk will rise, and eventually lead to the decline of income. This is not concive to the realization of household investment goals, and the implementation of asset portfolio, the satisfaction degree of asset utility obtained by the family is much greater than that of a single asset, which can often be reflected from the aspects of asset holding cost, transaction price, expected return, security degree and so on. For example, when the market is depressed, the general investment market and the collectibles market are in a depressed state at the same time. However, the weakness of the housing market, the post market, the card market, the currency market, the stock market, the gold jewelry market and the antique treasure market is not the same. It is also possible that some are lower than the face value or the cost price, and some maintain a higher price. At this time, the investors with clear mind and discerning ability are able to, We will timely choose which of the above types of assets have great appreciation potential for portfolio investment, and we will also get considerable benefits. There are many families in our country who can not only be more comfortable

4. Yes, Hengxin global investment has a variety of cryptocurrency procts, such as bitcoin, Leyte coin, ether coin, bitcoin cash, grapefruit coin, Ruibo coin, ether coin to bitcoin, as well as more than 40 investment procts, such as foreign exchange, precious metals, crude oil, stock index, etc., covering all the basic financial procts.