1, bank time deposit:
According to statistics, China's savings rate is the highest in the world, which is related to the country's economic level, people's consumption habits and financial management concepts.
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Investment threshold: its advantage is that the investment threshold is low, and you can start financial management if you save money.
Security: The security is so high that investors never have to worry about the principal being affected (it is absolutely safest to have a national guarantee).
Revenue: But in terms of revenue, I have to say that time deposits in banks are really speechless. If you put your money in the bank, even the annual cpi growth can't keep up. It's not managing money at all, but doing business at a loss.
2. Monetary Fund:
The emergence of Yu 'ebao can be said to be of historical significance. To a certain extent, it has changed people's concept of financial management, and helped people to make rational use of the money in online shopping platforms and convert it into a monetary fund model for financial management. ? Investment threshold: the threshold is basically equal to 0, just like bank time deposits.
Safety: In terms of safety, the safety index of Yu 'ebao is undoubtedly very high. Unless our classmate Ma Yun's Ali empire collapses, Yu 'ebao will always exist.
Income: in terms of income, it is basically the same as the bank's dead deposit interest rate. The difference is that Yu 'ebao is convenient to withdraw cash, and there is basically no investment period. However, with the rising cpi in China, it is difficult for money funds to satisfy people's financial desire.
3. Trust: Trust products are generally financial management projects conducted by high-end investors. Not suitable for ordinary people to invest in financial management.
Investment threshold: the threshold of trust products is very high, with a basic minimum of more than 500,000 yuan.
Security: Although trust products are relatively safe, they are also affected by credit risk, management risk, project construction risk and policy risk.
Investment cycle: what investors want most is the flexibility of funds, but the financial cycle of trust products is generally more than 12 months, which is not suitable for short-term investors.
Income: In terms of income, the yield of trust products is generally above 10%, which is quite good on the whole.
4. Internet financial management (also called p2p financial management): p2p financial management has become popular in recent two years. Zopa, which originated in Britain, has become the hottest P2P financial management after it was spread to China. Due to the influence of the "running away" scandal in recent years, a large number of informal companies have been eliminated. At present, the industry has a tendency of reshuffle and tends to be rational.
Investment threshold: At present, the investment threshold of p2p financial management is about 100 yuan, which is equivalent to a salary wallet with a minimum investment of 100 yuan. It can be said that it is a wealth management product suitable for all people.
Security: The biggest problem facing p2p financial management industry now is security. As an emerging Internet financial product, the domestic regulatory system for p2p financial products is still not perfect. Investors must strictly examine the qualification of p2p financial platform before investing. Take the salary wallet as an example: from the registered capital to the guarantee company to the operation team, the risk control mechanism needs to be fully understood. At the same time, the most important thing to observe is whether the assets of p2p wealth management products are insured. If they can't guarantee it, what investment can they talk about? Only by doing the above can we fully ensure the safety of investors in p2p financial management.
Investment cycle: The investment cycle of p2p wealth management products is mostly short-term target of 1-3 months. It can basically meet the capital turnover needs of investors.
Revenue: At present, the revenue of p2p wealth management products is mostly between 10%- 15%. Investors should be more careful when they see up to 20% p2p wealth management products to see if they are self-financing.
The above four are the most popular investment and wealth management products at present. Investors must keep their eyes open when investing and find the most suitable financial products for them!