★李先生,单身,证券公司普通职员,年收入7万多元,大学毕业后工作才两年多,目前基本没有任何积蓄。计划每年拿出3万元用于投资,5年后筹足20万元左右,用于支付按揭购房的首付。那么,他应该选择什么样的投资工具呢 ★陈先生,已婚,大学教授,其妻为公司普通职员,家庭年收入12万元左右,他们的儿子今年刚满2岁。考虑到孩子的未来,他们计划在15年的时间内,以现在的7万元通过投资,比较稳定地增值至50万元左右,以满足孩子将来上大学及出国留学的需要。他们又该如何做出投资抉择呢 ★王太太,退体在家,希望自己多年积攒的8万多元养老金,能通过投资活动再增值一些,使自已生活得更舒适。将钱存入银行虽然让她放心,但存款所能带来的可怜利息,使她对银行的兴趣荡然无存;若将钱放进股市,但股市过山车般的上蹿下跳,又让她不能入睡。手捏积蓄的8万多元,她一时竟不知如何是好了 ★ Mr. Lee, a single employee and a securities firm general staff, has an annual income of more than 70,000 yuan. After graduating from college, he worked for more than two years and has basically no savings at the moment. Plans to come up with 30,000 yuan each year for investment, five years after raising 200,000 yuan for the payment of mortgage down payment. So, what kind of investment tools should he choose? ★ Mr. Chen, married, university professor, his wife is a common employee of the company. The annual income of the family is about 120,000 yuan, and their son just turned 2 years old this year. In view of their children’s future, they plan to steadily increase their value to about 500,000 yuan with the current $ 70,000 within 15 years to meet the needs of their children going to universities and studying abroad in the future. How can they make an investment choice? Mrs. Wang, who is withdrawn from their homes, hoped that over 80,000 yuan of pension funds accumulated over the years would increase their value through investment activities and make their life more comfortable. Depositing money into a bank While reassured by her, the poor interest the deposit can bring has left her with no interest in banking. If money is put in the stock market, the roller coaster goes up and down, leaving her unable to sleep. Hand in hand savings of more than 80,000 yuan, she did not know how to be a good moment