1, product selection

Choosing high-quality trust projects should be considered from three dimensions: safety, novelty, liquidity and profitability. Trust income is divided into fixed income and floating income, fixed income+excess income. The choice of fixed income trust products needs to be checked from five aspects: trust company, industry, financier, mortgage/pledge, income and term.

Step 2 choose a channel

The purchase of trust products includes banks, trust companies and third-party wealth management companies. Generally speaking, there are many kinds of trust products in banks, and many outlets are convenient to buy, but the yield is low; Trust companies have high product yield, but the products are relatively simple, and it is also a problem to buy in different places. Third-party financial management has higher income and greater selectivity, and is an ideal financial management channel for the middle class.

3. Subscription fee

At the expiration of the promotion period, after the investor confirms the share, in addition to the trust products purchased by the bank, the investor shall purchase the trust products directly from the trust company or through a third-party wealth management company, and shall ensure that the full subscription funds are transferred to the bank custody fund account (special trust account) opened by the trustee for this trust plan by bank transfer before the agreed date. Third-party wealth management companies cannot remit or deposit funds for investors through free accounts.

Step 4 sign a contract

The trustor (investor) signs a trust contract and related texts with the trust after paying the money. When signing the contract, the client shall provide the trustee with the following materials: original bank transfer voucher, trust interest transfer account, identity certificate and other materials required by the trust company.

Step 5 Buy successfully

After the client (investor) completes the payment, the trust company will issue beneficiary certificates within the agreed time after the establishment of the trust plan.