Umbrella Trust Fund: When the same trust product contains two or more sub-trusts of different types, investors can freely choose one or more of them for portfolio investment according to their investment preferences to meet different investment needs. Simply put, it is a structured securities investment product that securities companies, trust companies and banks cooperate to combine their own advantages with other advantages to provide investors with investment and financing services in the secondary securities market.
Umbrella trust has two forms: priority and secondary. The former is a fixed income, although it is very low, but whether it is a profit or a loss, the investor's principal and interest are guaranteed first. General banks choose priority. The latter was risky, but it won.
The income is also very large. Generally, some umbrella trusts have warning lines and warehouse lines, which are 92% and 87% respectively. It can also be said that if the stock falls by 13%, it may be forced to close its position. The principal and income of priority investors are guaranteed by liquidation, and the losses are borne by inferior investors.
Peer-to-peer fund-raising is a kind of person-to-person online loan, and it is a private micro-lending model that gathers small funds and lends them to people in need. This is an internet financial product. Categories are: banking department, listed company department, state-owned assets department, venture capital department, private department and so on. Its threshold is very low, and the general starting point is 2000 yuan. However, its interest is very high, about 15% to 20%, of which the p2p platform will charge 3 to 4 points of interest, and the rest will be distributed to investors and investment companies. P2p, like umbrella trust, also has warning lines and warehouse lines. After reaching the warning line, the system will automatically remind the borrower of the current capital status. Take 654.38 million self-owned funds and 5 times leverage as an example. When the loss of the stock account reaches 30%-40%, the platform will prompt an early warning and ask the fundraiser to increase the margin. When the account assets fall to about 1 10% of the allocated amount, it will be closed.
Graded funds are also called structured funds. Under a portfolio, two or more types of funds with different risk returns will be formed through the decomposition of fund returns or net assets. Its characteristic is to divide the products of the fund into two or more categories and give different income distribution. How to play? That is, A lends money to B for stock trading, and then pays B a certain interest, and A gets the remaining income and the leverage effect. Its threshold is also very low. There is no such thing as liquidation for graded funds; they are responsible for their own profits and losses.
Margin trading: investors provide collateral to securities companies with margin trading qualifications. Then borrow money to buy securities or sell them. But the threshold is 500,000 account assets. Let's take financing for example. Simply put, it can be divided into financing transactions or securities lending transactions. The former is to use the funds or securities on hand as collateral to borrow funds from brokers to buy stocks, while the latter is for investors to borrow securities from brokers to sell. It is a bullish form, and the stock will gain when it goes up. Securities lending is a short-selling mechanism, and stocks fall to make money. When the ratio reaches 150% and does not reach the warning line, the broker will issue a notice of additional margin, and when the ratio reaches 130 and reaches the liquidation line, the broker will force the liquidation.
Risk disclosure: This information does not constitute any investment advice. Investors should not substitute such information for their independent judgment, or make decisions only based on such information. It does not constitute any trading operation and does not guarantee any income. If you operate by yourself, please pay attention to position control and risk control.