At present, the types of wealth management products include stocks, funds, bank wealth management products, trust products, precious metals investment, and P2P wealth management. The following is an introduction to the analysis of financial products.
Investment risk: high risk.
Revenue: High yield and high risk coexist.
Investment threshold: buy at least 100 shares.
Comments: Stocks are a high-risk, high-yield investment.
Depending on the degree of risk, the types of general funds can be divided into the following categories.
1. Equity funds: Most funds of stock funds invest in stocks, which are high-risk wealth management products. At the same time, high risks will also bring high returns. The average annual rate of return can be 15%-20%.
2. Index funds: Index funds are up and down according to the rise and fall of an index. The risk is medium, and the general income is between 10% and 15%.
3. Bond funds: Bond funds use bonds as their main investment targets, and the risks are relatively lower. The average annual rate of return is 5%-10%.
4. Monetary funds: Monetary funds mainly invest in bank deposits and corporate bonds. There is almost no risk. The annual rate of return and the bank's annualized rate of return are similar, generally between 3% and 10%.
III. Banking Product:
Investment risk: Risk is less than stocks and funds.
Annualized income: 4% or so
Investment threshold: 50,000.
Comments: Relative to the risk of stocks and funds, generally divided into two types of guaranteed and non-guaranteed.
IV. Trust products:
Investment risk: There is a certain risk.
Annualized income: 6%-8%.
Investment threshold: generally starting from 1 million.
Comments: The investment threshold is high and the project has certain risks.
V. Precious metal investment:
Advantages: pure precious metals only have value-preserving effect, while precious metal derivatives have investment appreciation;
Disadvantages: Precious metals derivatives are difficult for individual investors to operate;
Comments: Now on the surface Many of them make precious metal investments, and many of them are losses. Therefore, non-professional investors are not recommended to operate by themselves.
Six, Baidu Baifa:
Investment risk: less risk.
Annualized income: 4%-7%.
Investment threshold: 1 vote.
Comments: Baidu's wealth management products, the income is higher than the balance, relatively safe.
Seven, P2P financial management:
Investment risk: There are certain risks.
Annualized income: 10%-20%.
Investment threshold: generally 100 shots.
Comments: At present, the national regulatory policy is relatively relaxed, and the P2P wealth management platform is a mixed phenomenon. However, there are still good platforms. The identification of P2P platforms can be considered from the following five aspects: 1. Platform operation mode 2. Third-party fund custody 3. Risk protection Gold 4, professional financial team 5, P2P financial platform years.