Wacai accounting and financial management cannot be said to be absolutely safe, but you can rest assured that there is no fraud at present. Every enterprise has operating risks. This type of financial management platform may break its capital chain and run away at some point. Personally, I think it is safer to purchase bank financial management products.
Instructions for financial management
Financial management products generally have risks, and the higher the risk, the greater the return. However, do not blindly pursue high returns when investing. After all, you have to bear huge risks. If you suffer a loss, you will lose more than you gain, so you must pay attention when managing finances and purchase financial products according to your own affordability.
The money used to purchase financial products is usually the idle funds at home. This can ensure that the money will not be withdrawn due to emergencies when managing financial products. Moreover, many financial products are not allowed to be withdrawn. This is something everyone should remember. Notice. When purchasing financial products, you generally need to sign a contract. At this time, you should read it carefully and ask questions if you do not understand the terms.
When purchasing bank financial products, you must be clear about the time of investment, the direction in which the financial funds are invested, and the expected rate of return. Only by understanding these can you know whether this financial product is suitable for you, and what is the most suitable for you. The important point is whether the investment can be redeemed before it matures.
: Types of financial products
1. Bond type
Invest in the money market, and the products invested are generally central bank bills and corporate short-term financing bonds. Because central bank bills and corporate short-term financing bills cannot be directly invested by individuals, this type of RMB financial products actually provides customers with the opportunity to share the income from money market investments.
2. Trust type
Invest in trust products guaranteed or repurchased by commercial banks or other financial institutions with higher credit ratings, and also invest in the beneficiary rights of high-quality credit assets of commercial banks. products of the trust.
3. Linked type
The final yield of the product is linked to the performance of the relevant market or product, such as linked to the exchange rate, linked to interest rates, linked to international gold prices, and international crude oil prices Linked to the Dow Jones Index and Hong Kong stocks, etc.
4. QDII type
The so-called QDII, that is, qualified domestic investment institutions that provide overseas financial management on behalf of clients, refers to commercial banks that have obtained the qualification for overseas financial management business on behalf of clients. QDII-type RMB financial products, to put it simply, mean that customers entrust their RMB funds to qualified commercial banks, and the qualified commercial banks will convert the RMB funds into U.S. dollars, invest directly overseas, and after maturity, the U.S. dollar income and principal will be settled into Wealth management products allocated to customers after RMB.