在21世纪,怎样才能使自己有限的积蓄资金,在投资或消费的过程中,既能够得到合理的安排,避免损失,又能够取得较好的收益,踏准商机呢? 对大多数普通百姓来说储蓄存款仍应是首选。目前,在我国6万亿储蓄存款中,约20％已经先富起来的少数人拥有80％的钱,而80％的普通百姓只拥有20％的钱,此前, In the 21st century, how can we make limited investment in our own funds and, in the process of investment or consumption, not only can we get reasonable arrangements to avoid losses but also achieve better returns and business opportunities? For most ordinary people Savings should still be the preferred choice. At present, among the 6 trillion savings deposits in our country, about 20% of the people who have already got rich first have 80% of the money while 80% of ordinary people own only 20% of the money. Earlier,