每个家庭的货币收入,一般都分成两部分:一部分用于消费,即吃掉、穿掉、用掉;另一部分作为积蓄。这积蓄的收入就面临着如何保持和投资的问题。可供家庭投资和保持资产的方式很多,如保存现金、储蓄存款、购买债券、购买股票、购买基金券、购买外汇、购买金银首饰、购买房产、提高智力和技能,等 Each household’s monetary income, are generally divided into two parts: one for consumption, that is, eat, wear out, use; the other part as savings. This savings will face the problem of how to maintain and invest. There are many ways for families to invest and retain their assets, such as saving cash, saving deposits, buying bonds, buying stocks, buying vouchers, buying foreign exchange, buying gold and silver jewelery, buying property, boosting intelligence and skills, etc.