I am also partial to Internet finance (P2P) and have been in business for several years. Fortunately, in the process of choosing P2P platform, I am cautious and lucky. The platform I have voted for has neither run away nor closed down. Over the past few years, I have accumulated some little experience. I hope that I can help people who have financial needs but are confused about financial management in the process of sharing, and I also hope that I can make progress and be inspired in the process of refining my own views.
As an investment and wealth management user, whether it's Xiao Bai or an experienced user, I think I'm a successful investment and wealth management person if I can understand and do the following two things before investing in P2P.
1, the mentality is: the market is risky and investment needs to be cautious.
Now that you have decided to invest, you must be risk-conscious, be clear about your risk tolerance, and then choose the type of investment and wealth management products with corresponding risks.
Generally speaking, the risk of bank deposits or bank regular wealth management is low, on the one hand, because of our traditional concept, on the other hand, the risk control level and safety of traditional financial institutions are indeed higher than other types of investment and wealth management products in the market, such as stocks, funds, futures and so on.
2. After establishing risk awareness, understand your financial preferences.
After accepting risk awareness, you need to know your financial preferences. For example, the investment period, annualized rate of return, and liquidity of funds require certain professional knowledge to manage, threshold and operability.
After understanding your own preferences in these areas, consider them comprehensively, and then choose the one that suits you according to the types of investment and financial management that exist in the market. Bank deposits, bank wealth management, funds, stocks, foreign exchange, trust, futures, real estate investment, insurance, Internet finance (P2P).
The attributes of these different types of investment and wealth management products are different. For example, the threshold of bank wealth management, trust and real estate is high, while the threshold of internet finance is extremely low, and there are annualized benefits that investment and wealth management users are more concerned about.
3. Choose a stable and compliant platform and have the knowledge of "risk awareness+investment and financial preferences"
In recent years, P2P is very popular. Because of convenience, low threshold and considerable income, it quickly captured a large number of users and was also targeted by many wool parties. However, in the past two years, P2P also frequently broke the news of running away, thunder, suspension of business and bankruptcy, which once caused panic among market investors.
We choose to put our hard-earned money into the platform, and we definitely want to collect the principal and interest. So the safety of funds is very, very important. If we only pay attention to income and liquidity, but not to the safety of funds, that is, the compliance of the platform, then the invested funds are likely to go back. I'm afraid at this time, you shouldn't call every day, which is also ineffective.
In addition, you can invest in the small and medium-sized platforms that you are exposed to, and the annualized income of these small and medium-sized platforms will be higher, because only in this way can you attract more users to register and invest. As investment users, we are naturally happy with the high return of the platform, but the principal security is the most important, which is beyond doubt.
Therefore, since we can deeply understand the platform, we should know more about shareholders, project assets, capital flow, business model, information disclosure and so on. It's not too late to act after knowing all this. The money is your own, others give advice, and you decide whether to do it or not. It's best not to ignore every step.