With the rapid development of P2P in China, more and more people are becoming familiar with online loan financing. Before P2P online lending became the mainstream financial channel, the word "investment" was still unfamiliar to most Chinese people. Most people still put their money in the bank, and they had no time or channels to make full use of the funds to increase their value. After the emergence of low-threshold and high-yield P2P products, many moonlight families and wage earners saw the hope of financial management and followed suit without thinking. In this process, some investors gained considerable profits because they chose a reliable platform, while some investors suffered losses when the "running tide" broke out because they didn't have a systematic investigation platform.

In this regard, the investment expert of Windmill Finance, the industry-leading third-party selection and management platform for Internet financial management, said: "The P2P industry has developed in China for a short time, and most investors do not know enough about this industry. At present, the development of China's credit information system is not perfect, and the people's awareness of financial management is generally not high. Many people are echoing opinions and lack rational judgment on investment and financial management. The reason why P2P financial management attracted a large number of investors at the beginning is that its income is relatively higher than that of traditional financial management channels such as banks. The reason why many illegal platforms are under the banner of P2P is also because of people's one-sided understanding of P2P high interest rates. " Regarding how to help investors get out of the misunderstanding, the investment experts of Windmill Finance believe: "Investors should not blindly choose the platform when using P2P for financial management. Before investing, they should rationally analyze the platform, recognize the investment income, strengthen the risk awareness and appropriately diversify their investments, so as to get more returns when investing in financial management and stay away from risks."

The investment experts of Windmill Finance also gave professional advice on how to obtain higher returns through P2P financing.

first of all, investors should ensure the relative safety of the selected platform before obtaining high returns. If you invest money in a platform that is ready to run away because of excessive pursuit of high returns, even if the other party promises more benefits, it is meaningless. Investors should rationally analyze and inspect the platform before investing, carefully compare the basic information such as the founding shareholder, management team, investor background, operation mode and risk control mode from the information provided by P2P website, and then combine the evaluation of other investors on the third-party platform to comprehensively judge the advantages and disadvantages of the platform. On this basis, prudent investors can refer to the information provided by independent third-party platforms, and the conclusions given by professional risk assessment teams are more comprehensive and reliable than the analysis of individual investors. For example, the FRAS risk assessment system, which was originally created by Windmill Finance, will conduct a comprehensive assessment and review of the financial platform in more than 3 dimensions online and offline at the beginning of the application, including but not limited to background strength, business model, risk control system, product characteristics, operational capability and IT technology. All investors see on the third-party platform of Windmill Finance are P2P platforms that have been strictly screened by professional risk control. In addition, Windmill Financial App also provides a platform comment function, so investors can see the real-time comments of other users who have invested in the platform at any time, and can make decisions within a relatively safe range after comprehensive reference.

Secondly, investors who want to get higher returns through P2P financial management should learn to analyze and recognize the benefits. Because of the particularity of its model, the benefits and risks of P2P industry are not completely positively correlated. Except for platforms that are significantly higher than the overall average income of the industry and have poor background qualifications, the risks of most P2P platforms actually depend on the risk control capabilities of the platforms. When some high-quality platforms want to accumulate popularity and resources, they often release high-yield novice logos to attract investors, which does not mean that their risks are necessarily large. If the platform operates well, has high-quality lending resources and lending business, and has good financial strength, the platform will be able to provide investors with higher returns and achieve a win-win situation. In the novice exhibition area of windmill financial management, the platform filtered by FRAS system will provide some novice targets, all of which have good annualized income, and the project cycle is different. Investors can make investment in rotation according to their own capital cycle to obtain relatively high returns.

finally, the investment experts of windmill financial management once again stressed that no matter what kind of investment you make, you must have a sense of risk, and the iron law of reducing risk in the investment industry is "don't put your eggs in the same basket". Simply put, investors should diversify their funds to cover assets with different risks and returns, thus helping to reduce the fluctuation of portfolio. As a third-party platform, Windmill Finance also advocates that users should appropriately diversify their investments on the premise of integrating their own risk tolerance and the period during which funds can be used for investment. It is suggested that users further reduce the risks from the platform by establishing a portfolio method. At present, a large number of investors have followed the advice of windmill financial management and established their own investment portfolios. Investors can view the investment portfolios shared by others through the windmill financial management APP, thus helping them to make diversified investment decisions. After choosing a platform that meets their own requirements for diversified investment, investors can also manage multiple platform accounts in one stop through the windmill wealth management account, which is simpler and clearer than managing accounts separately by logging in to multiple platforms each time.

In fact, financial management is a long-term investment behavior, which requires the support of professional knowledge, constant attention to industry trends and adjustment of investment portfolio, so as to obtain long-term stable and high returns. A large number of facts show that high-yield and high-return P2P investment is not so easy to earn, but it is not out of reach. As long as investors continue to strengthen their professional knowledge, improve their cognitive ability and make good use of the resources and information provided by third-party platforms, it is still possible for investors to gain stable wealth appreciation in the era of falling interest rates.