At present, low-risk financial products include treasury bonds, money funds, certificates of deposit, regular financial products and so on.
national debt
Because the national debt is a kind of government bond issued by the state to raise financial funds based on its credit, it has a high credit, so investors can buy national debt through bank counters, online banks and securities institutions.
Monetary fund
Since money funds mainly invest in securities such as treasury bonds and bank deposits, these securities are highly secure, and investors can also purchase money funds through Alipay, WeChat, bank counters, online banking, fund companies and official platforms of securities companies.
Certificate of large deposit
Because certificates of deposit are a kind of deposit products and are protected by deposit insurance regulations, investors can also go to the bank to buy certificates of deposit with confidence.
Regular wealth management products
Because there are many low-risk regular wealth management products, and the rate of return is not bad, investors can buy regular wealth management products through Alipay, WeChat, bank counters, online banking and other channels.
Risks of wealth management products
break even; balanced budget
If the wealth management products are capital preservation or guaranteed income, at least the principal invested by investors will not be lost when the products expire. However, some wealth management products are based on capital preservation, and the maturity capital preservation clause is set, that is, the capital preservation can only be realized after the product expires, so if investors redeem it halfway, the product still cannot be guaranteed. There are also some wealth management products that are only partially guaranteed. For example, 95% capital preservation, the principal loss of up to 5%.
type
That is, whether the wealth management products are fixed income or floating income. Fixed-income wealth management products have low risk, and they can achieve the expected rate of return with great certainty, and can basically achieve the expected rate of return. Floating income wealth management products should be analyzed according to whether they are guaranteed income wealth management products or guaranteed income wealth management products: if they are guaranteed income wealth management products, the worst case is zero or low income due, and the best case is to achieve the expected highest rate of return. On the whole, yield to maturity floats in an interval; Non-guaranteed floating income wealth management products have no upper limit on income and no lower limit on loss.
Look at the target
That is to say, it depends on whether the product is invested in bonds, credit assets, stock funds or "hodgepodge" portfolio investment. If the product is invested in bonds, it belongs to fixed-income wealth management products, and the degree of risk depends on the level of investment bonds, which is generally less risky; If you invest in credit assets, it depends on the borrower's repayment ability. Enterprises with greater operational uncertainty are more likely to be unable to pay the loan principal and interest, and the risk of wealth management products is relatively high, and vice versa. If you invest in stock funds, the product risk is higher.
measure
If effective risk control measures are set for wealth management products, it is equivalent to laying a safety mat for yourself, which can reduce product risks. For example, whether the wealth management products invested in credit assets are guaranteed by powerful institutions or repurchased by powerful institutions at maturity; Whether the wealth management products that invest in stocks have set a stop-loss clause, etc.
liquidity
If the product can be redeemed in advance, investors can choose whether to redeem it in advance when there is a demand for capital dispatch or the capital market changes, and the liquidity risk is relatively small. If the product indicates that it cannot be redeemed in advance, investors can only get the principal and income when the product expires, and there is nothing they can do to recover their investment when the funds are insufficient or the market changes.