I. Overview of equity products
The so-called equity products refer to products that investors can obtain part or all of the equity or control rights of the company after purchasing. This kind of products usually have the characteristics of high risk and high income, and are more flexible and plastic than traditional fixed-income wealth management products.
Second, the classification of equity products
According to the benefits and risks, equity products can be divided into the following categories:
1. Equity products. Specifically, it includes stock funds, stock allotment and stock pledge. This kind of products have higher income than traditional wealth management products and greater risks, which require investors to have rich professional knowledge and strict risk control ability.
2. Bond equity products. Among them, it can be divided into current creditor's rights and fixed creditor's rights. Demand creditor's rights are usually mainly bonds issued by companies, and the income is relatively stable, but lower than that of stock products. Generally speaking, the term creditor's rights get part of the income from the cooperation projects of large enterprises such as companies by direct and rapid investment, and the income is higher than that of bonds.
3. Futures equity products. Futures, including commodity futures, stock index futures and futures funds. , is a kind of trading variety with price fluctuation as a means of profit. Futures equity products fluctuate greatly and have high risk and return, which is suitable for investors with abundant funds and rich experience.
Third, the advantages and disadvantages of equity products
The advantages of equity products are:
1. High return. It has the characteristics of high risk and high return.
2. Strong liquidity. Compared with traditional fixed-income products, equity products are more liquid, and customers can adjust their positions in time according to their own needs.
3. High plasticity. Equity products have higher plasticity and flexibility, and customers can choose different products to match them to better meet their own needs.
Disadvantages are:
1. High risk. High-risk equity products need strong risk management ability.
2. The threshold is high. Investors need a comprehensive knowledge background and rich practical experience.
The market fluctuates greatly. The uncertainty brought by market instability has brought great pressure to investors.
Four. Suggestions on investment in equity products
If you decide to invest in stock products, we have the following suggestions:
1. Pay attention to balance. We should fully grasp the market trend, conduct good risk management and asset allocation, and ensure that investment risks are within our tolerance.
2. Pay attention to professional knowledge. It is necessary to improve the understanding of equity products, read more relevant professional books, research reports and news, and strengthen the basis of investment decision.
3. Be patient. Don't be easily disturbed by market fluctuations. How to seize the opportunity is the key. We should adopt appropriate diversification strategies and gradually establish our own stock portfolio.