Study On Strategy Of Investment Securities For Wage-earning Class

Since 1978,China's economic reform has injected a booster,economic development has achieved remarkable results.Working class as the backbone of society,it is more urgent to study how to help them make correct investment decisions.For the ordinary wage earners,how to make the limited economic income for the realization of greater utility level,how to control the risk of the premise of the assets to preserve and increase value,obviously has important practical significance.First of all,based on the classical theory and literature review,this paper analyzes the current situation and trends of the wage earners' investment in china.It is found that with the rapid development of China's economy,the wage earners are under increasing pressure in housing,medical care and education,and have huge demand for the investment value of self assets.The investment philosophy of the working class has changed greatly,the investment structure has been diversified from single to diversified,and the investment varieties have gradually increased.However,in the current capital market mechanism in our country is still not mature environment,wage earners are lack of correct concept of investment,the financial index of low and poor security portfolio investment in financial management.Secondly,this paper analyzes the significance of portfolio investment.Wage earners due to limited funds,often lack the correct investment concept,easily lead to investment losses,affect the quality of family life and living conditions,so the establishment of portfolio investment is critical thinking for working families.In view of this,this paper analyzes the working class for investment on the one hand,on the other hand,the empirical analysis on the impact factors of combination,not only provides a detailed way for working-class finance and investment,also pave the way for the following empirical analysis.Again,this paper based on previous theoretical research,the working-class life cycle,financial situation and risk preference as explanatory variables,through the analysis of the sample data,the investment status of working-class real simulation,constructing equations,and combination of factors of tool combination effects accounted for by empirical analysis.The results show that the working class life cycle,financial situation and risk preference have significant correlation of five kinds of investment tools,through the assignment of the combined equation variable combination strategy can get different characteristics of working-class optimal,and according to the change of the market situation timely adjustment to achieve the desired combination.Finally,on the basis of summing up the conclusions,this paper puts forward some suggestions from the aspects of investment idea,investment tools,financial management ability and investment mentality.