The so-called bank financing refers to the purchase of wealth management products through banks. The investment direction of these products includes savings, national debt, financial debt, cargo base and bank notes (stable); High-rated local bonds or corporate bonds, stock bases and commercial paper (balance); Stocks, precious metals, foreign exchange, futures, financial derivatives (radical). At present, the common bank wealth management products on the market are mainly stable or balanced, and the average yield can reach about 4.5%, which is basically rigid.

1. Risk: Generally speaking, as long as you invest in unstructured wealth management with risk rating of R 1 or R2 (the risk rating of bank wealth management is generally from R 1 to R5, and the products below R3 are relatively safe), you can realize rigid redemption. If you buy structured wealth management, such products are linked to derivatives such as stock index, gold and foreign exchange, and the income fluctuates, the risk is relatively large, and the income cannot be guaranteed.

What needs special attention is that the risk of wealth management products on consignment is high. Once there is a problem with the product, the bank will not bear any responsibility. When buying, you must pay attention to whether it is self-operated or consignment.

2. Revenue: about 5%.

3. Liquidity: generally, it needs to be invested for more than half a year, and it is not allowed to quit halfway, so the liquidity is poor.

4. Investment threshold: starting from RMB 5- 10W.

Two. fund

Fund is a kind of entrustment relationship, which belongs to indirect investment, that is, your money is not directly invested, but given to the fund company to help you invest. Professionals of the fund company will speculate in stocks or bonds, which is more advantageous than ordinary investors in terms of technical level and time, and has much greater profit opportunities. Therefore, investors need to pay certain labor costs to the fund company, that is, the subscription fee, subscription fee, redemption fee and management fee of the fund.

According to the types of financial products invested by funds, funds are mainly divided into four basic categories: money funds (investing in money markets), bond funds (investing in bonds), mixed funds (investing in stocks) and stock funds (investing in stocks). These products more or less intersect with banks, trusts and stock markets.

Monetary fund

The investment direction is mainly in the money market, such as treasury bonds, central bank bills, commercial bills, bank time deposits, short-term treasury bonds, corporate bonds (with high credit rating), interbank deposits and other short-term securities. For example, the well-known "Yuebao" is the money fund. Compared with other types of funds, it is characterized by low risk, low return and high liquidity.

1. Risk: Money funds only invest in the money market, among which bank deposits account for a relatively high proportion. Although there is the possibility of loss, the probability is extremely low.

2. Revenue: the average revenue is 3% ~ 4%.

3. Liquidity: T+ 1 day. The baby money funds such as Yu' ebao will arrive within 2 hours at the earliest.

4. Investment threshold: There is no threshold. Take Yu 'ebao as an example, the minimum amount is not limited.

bond funds

The investment targets are mainly government bonds, financial bonds and corporate bonds. Bonds are financial products issued to investors by the government (national debt and local debt), financial institutions (bank bonds) and industrial and commercial enterprises (institutions affiliated to the central departments, wholly state-owned enterprises or state-owned holding enterprises), which need to repay the agreed principal and interest after maturity.

1. Risk: Compared with high-risk equity funds and hybrid funds, bond funds have relatively low risk and relatively stable income fluctuations, and have always been regarded as an investment weapon with low risk and stable income.

2. Revenue: 5% ~ 9%;

3. Liquidity: T+3 days to the account;

4. Investment threshold: from 100 yuan;

Stock fund

The investment target is mainly stocks, accounting for no less than 80%. Its main function is to concentrate the small investments of mass investors into large funds, and then invest in different stock portfolios. It is the main institutional investor in the stock market, and its remarkable feature is the coexistence of high risks and high returns.

1. Risk: Equity funds hold multiple stocks, and the risk is lower than that of a single stock. However, because the stock itself is a high-risk investment product, the risk is generally high, so the investment needs to be cautious.

2. Revenue: the average revenue is -20%-20%, with no ceiling;

3. Liquidity: T+3 days to the account;

4. Investment threshold: from 100 yuan;

Third, stocks.

Stock is a kind of valuable securities, which is a stock certificate issued by a joint-stock company to investors when raising capital, representing the ownership of the joint-stock company by its holders (that is, shareholders). Buying stocks is also a part of buying a company's business, which can develop and grow together with the enterprise. Behind every stock, there will be a listed company, and at the same time, every listed company will issue shares, with the purpose of raising financing funds for the company's long-term development.

1, risk: extremely high risk. I believe everyone knows the iron law of "one profit, two draws and seven losses" in the stock market. It often happens that you work hard for half a year and then return to the situation before liberation overnight. There are too many factors that affect the stock price. "Stock trading" reflects that the stock market is artificially controlled, and the ups and downs of the stock market are branded with traces of human nature. Human nature affects the stock market, and human nature remains relatively unchanged. Therefore, the law of the stock market will not change to a certain extent.

2. Income: -50%-80%

3. Liquidity: T+ 1 day;

4. Investment threshold: you can buy stocks for a few hundred dollars.

Four. trust

Trust, as its name implies, is a wealth management product issued by a trust company with a fixed rate of return and term. The financier raises funds from investors through the trust company, and guarantees that the principal income will be paid on time to the trust company and the third party through asset mortgage. Trust, banking, insurance and securities are the four major financial institutions in the country.

At present, there are still great differences in the investment of trust funds in China, but generally speaking, they are mainly in five areas: financing loans for industrial and commercial enterprises, infrastructure construction, financial institutions, securities investment and real estate.

1. Risk: The position and scale of trust in China's financial institutions are second only to banks. At present, there are 68 trust companies licensed by the CBRC, all of which are basically from central enterprises, state-owned enterprises and local governments. Trust investment threshold is high, investors with insufficient funds are easy to raise funds to buy, while other crowdfunding people are not legally recognized investors, which will amplify some risks. Therefore, trust financing is a medium-risk financial product.

2. Revenue: 6% ~ 9%.

3. Liquidity: The closed period of investment is generally 1 ~ 3 years, and it is impossible to quit halfway.

4. Investment threshold: the threshold is relatively high, starting from100W. ..

Verb (abbreviation for verb) Internet gold

As a new form of Internet financial management, Internet gold financial management platform is gradually moving towards ordinary people. Investors can not only get the interest-bearing investment income of gold, but also get the fluctuation income of gold price rise, and can also provide users with various services such as buying, selling, depositing, withdrawing and exchanging gold. There are mainly three types of products, one is current products linked to the real-time gold price of the gold exchange, the other is fixed-income wealth management products (providing gold leasing services for gold-using enterprises), and the third is fluctuating income products combining gold prices with fixed income.

1. Risk: Enterprises that really engage in Internet gold financing generally have strong background strength, and their core business depends on gold. However, because the basic assets of fixed-income products are generally opaque (the flow of funds is unknown), at present, the risk is moderate.

2. Income: The current demand is affected by the international gold price and is a floating income. The average income of fixed income category is about 9%.

3. Liquidity: the current account can be traded in real time, with fixed income ranging from 1 month to1February, and the term is optional.

4. Investment threshold: the threshold is very low, starting from current 1 yuan and fixed 100 yuan.