P2P is the first choice for office workers to manage their finances.

P2P financial management has been listed for many years, and more and more people begin to use P2P financial management. Is P2P suitable for office workers?

P2P has the advantages of high income, low investment threshold, short occupation time, no geographical restrictions and no active management. It is really suitable for office workers who only have sporadic free time to manage their finances. But the premise of investment is that you must have a full understanding of P2P financial management and be able to accept investment risks.

1, P2P has high revenue.

No matter what kind of financial management, it is inevitable to pursue the maximization of income under the premise of safety. The income of office workers mainly comes from wages. In order to preserve and increase the value of hard-earned wages, office workers must choose wealth management products that are higher than the bank's regular wealth management and balance treasure income, otherwise it is better to put the money in the balance treasure. Generally speaking, the annualized income of P2P financial management can reach about 10, which is more than twice that of Yu 'ebao and nearly twice that of bank financial management, and it can completely outperform CPI. So I transferred my funds from Yu 'ebao to P2P in 20 13, and the annualized income in four years was about 12%, but now it has dropped to 9.5%.

2. The investment threshold is low.

The investment threshold of P2P financing is 100 yuan, which can be bought with a little change, unlike bank financing which needs 50,000 yuan. I was paid almost every month in previous years. After deducting credit card repayment, I invested in P2P on the same day, thinking that I could increase the value by 10% after one year. I am reluctant to let the funds stay idle for the night, leaving only the funds necessary for the basic life of Yu' ebao. Therefore, office workers can gradually accumulate their own sporadic wages and bonuses, accumulate wealth through decentralized financial management, and strive to achieve a well-off society at an early date.

3. Facilitate investment

Just choose the right platform, download the platform-specific APP, bind the bank card, and use the mobile phone to complete the investment and payment. This is a very easy thing for office workers, and there is no need to ask for leave or take up working time. As long as there is a bid, it can be bought and sold during the day and night, without affecting work and work, and without affecting departure and meetings. As long as there is internet, everything will be fine. If it is a bank wealth management product, it can only be purchased at a fixed time. If you invest in stock funds, you can only trade during trading hours. Therefore, P2P is the most worry-free investment method for office workers.

4. Fixed income

P2P is a fixed-income financial product. As long as you buy it, the income will be determined, just like a bank time deposit. You don't have to take the initiative to take care of it, which is more worry-free. You can see the income every day, similar to Yu 'ebao. This is also very good for office workers. Unlike stock trading and buying futures, the mood will not be affected by income fluctuations, investment and work will not interfere with each other, and leaders will not see that they are doing nothing.

In short, through the practice in recent years, I feel that P2P financial management is very suitable for office workers. Many colleagues around me have gradually started to use P2P financial management, from doubt to love. P2P has replaced Yu 'ebao as the new favorite of office workers. It is estimated that the platform is so considerate only considering that the target customers are office workers. Unfortunately, the interest rate advantage of P2P is not great now. With the implementation of supervision, industry competition is reduced and safety is improved, and the rate of return is likely to fall below 8% during the year.

Financial management is risky. Please do a risk preference test before investing, know something about P2P in advance, and avoid blind investment.