With the improvement of economic level, more and more people invest in financial management, and financial management channels are becoming more and more abundant. In addition to bank financing, there are many financial platforms that provide financial services. For example, Du Xiaoman Finance is a financial platform that many friends will choose. In February, 20021year, Du Xiaoman launched a regular income wealth management product. Some friends still don't know much about regular profit, so what is it? What about the regular profit for one year?

The regular income of Xiaoman is a value-added service of fund portfolio launched by Xiaoman Finance in February, 20021. The so-called fund portfolio is to buy fund products with different characteristics, different investment directions and different risks according to a reasonable asset allocation portfolio. In fact, it is to invest in all fund products in the fund portfolio at the same time. The purpose of this investment method is to diversify investment risks.

The investment portfolio of regular surplus funds is provided by star fund management companies. Through the sales of wealth management services and wealth management APP, the combination of scientific asset allocation effectively disperses investment risks, which has the opportunity to help investors obtain higher returns while reducing risks. Compared with the centralized purchase of a fund, the fund portfolio investment method can effectively spread the investment risk and make the investment income more stable.

According to the different investment cycle, the regular income of Xiaoman is divided into various products. You can choose a fund portfolio that suits your term according to your own situation. The historical average income of the fixed-term income fund portfolio is 4.5 1%, and the income will gradually increase with the increase of the investor's product holding period. For example, the suggested holding period of a 360-day fund portfolio with small full term income is 1 year, and the probability that the product holding income exceeds 10.

Of course, the historical income situation does not mean that the product will maintain this income in the future. Because the fund portfolio contains many fund products, the income during the product holding period will fluctuate due to market fluctuations and other factors. In the case of market volatility, there may also be temporary negative returns. However, the historical data of regular income shows that investors buy regular income at any time and hold the due income as positive.

The investment portfolio of regular surplus funds is mainly allocated to bond funds, supplemented by partial stock funds, and product risk control is given priority. At the same time, regular earnings also pay great attention to volatility management, control volatility in a lower range, and strictly control the maximum withdrawal.

Finally, I would like to remind everyone that financial management is risky and requires rational investment, and be alert to market risks.