Trust products refer to financial products that provide investors with low risk and stable returns. Trust varieties are very diverse in product design, and each will have different characteristics. There may be great differences in risk and income potential among trust varieties.

loans trust

The loan trust refers to the trust method that absorbs funds and issues loans through the trust. This kind of trust product is the largest at present. As a traditional business, loan has a relatively simple business process and mature risk control means. It is logical for trust companies to choose this way to enter the market and establish a brand in the early stage of the exhibition industry.

equity trust

Such trust products raise funds by setting up trusts for rights and interests that can bring cash flow. Its outstanding advantage is to realize the realization of the intangible assets of the company, thus accelerating the capital turnover of the company to which the equity belongs, realizing the replacement of different growth assets, and helping the company to grasp favorable investment opportunities, quickly intervene and maximize the company's value.

Financial lease trust

Trust companies raise trust funds by setting up trust plans and apply them to financial leasing business. Through strict professional and procedural management, we can realize trust income and provide safe and stable financial services for social investors.

Real estate investment trust

Land and all kinds of building facilities above or underground are collectively called real estate.

Folding investment threshold

Generally speaking, the investment threshold of trust products we know is basically 654.38+00,000, but the Trust Law stipulates that there are no more than 50 individual investors with 654.38+00-30,000. This shows that there are fewer places for 1 10,000 to buy trust, and there is little chance of grabbing that 1 10,000 to buy trust. The first trust network below will show you the general threshold for investing in trust products now.

It is reported that the threshold of personal investment in trust products will be raised, among which the threshold of "large amount" will be raised from 3 million yuan to 6 million yuan, and the threshold of "small amount" will also be raised to a certain extent. It is understood that before 2007, the threshold for individual investors to participate in the trust plan was only 50,000 yuan. With the revision and implementation of relevant laws, the threshold has risen to 6.5438+0 million yuan, which is divided into "large amount" and "small amount", of which the threshold for large amount is 3 million yuan and the threshold for small amount is 6.5438+0 million yuan. Although the improvement of trust threshold has not yet entered the operational implementation stage, it may have a greater impact on the wealth management market. According to an insider of a large trust company in Tianjin, most of the trust products with fixed income have achieved high returns in the past two years. Many investors who have just reached 6.5438+0 million yuan also tend to invest in trusts. Once the threshold is raised, these investors will be out. At the same time, at present, the threshold of microfinance products and fund accounts of securities firms is 1 10,000, and raising the trust threshold will also bring greater opportunities for the development of such products.

With an investment threshold of 1 10,000 yuan and a yield of more than 8%, trust has always been the "Gao Fushuai" of various wealth management products, which has deterred most ordinary investors. Nowadays, trust companies have lowered the trust threshold under the banner of "popularization", with a minimum of only 65,438+10,000 yuan. From 6.5438+0 million yuan to 6.5438+0 million yuan, such a big gap makes investors hesitate.

Is this low-threshold trust a trust product? In fact, most of these low-threshold trust products are trust in trust (TOT) or fund in trust (FOT), also known as "small trust". The principle is to use the small "group purchase" model to obtain high returns from trust.

A low threshold means a lower rate of return. Trust with a capital threshold of only 200,000-300,000 yuan has a yield of 6.5%-8%, while trust products with a capital threshold of 1 10,000 yuan have a yield of 8%- 10%. What are the advantages of low-threshold trust products compared with other forms of wealth management products?

Take 200,000 yuan as an example, invest in general bank wealth management products for 120 days, and the expected annualized rate of return is between 3% and 5%. According to the yield of 4%, the annual profit is about 8000 yuan. The starting point of investment in trust products is generally 6,543,800 yuan, the investment period is required to be more than one year, and the expected annual rate of return is around 8.5% to 654.38+02%. According to the yield of 9%, the annual profit is 90,000 yuan, and the profit per 200,000 yuan is about 6.5438+0.8 million yuan. Trust products with a one-year investment period of 200,000 yuan are expected to earn 6.5% to 8% annually. Calculated by the annual return of 7%, the annual profit is 6.5438+0.4 million yuan. In contrast, compared with general wealth management products, low-threshold trust products have relatively large income, and the annual income is not far from that of general trust products.