1, baby wealth management products
Baby wealth management products can also be called internet babies. Its biggest feature is that its rate of return is much higher than that of demand deposits, usually dozens of times that of demand deposits, and its liquidity is good. It can be redeemed at any time, and it can be received in real time, close to bank cards. Baby wealth management products are essentially a kind of monetary fund, and its income will change with the changes of the market.
2.P2P financial products
P2P financial products 20 13 began to rise. After several years of development, they have wanted to become large-scale and the transaction volume is amazing. The popularity of P2P wealth management products is also due to the low threshold and high income, but there are bound to be some problem platforms behind the rapid growth, especially the high risks caused by the running of some platforms, so you must choose a good platform when choosing to invest in P2P wealth management products.
3. Crowdfunding
Crowdfunding is a mode in which the public jointly raises funds for a creative project. It is a mode of raising project funds from netizens by means of group purchase and pre-purchase. Crowdfunding is also operated through crowdfunding platforms. First, people who are creative but lack funds launch projects on crowdfunding platforms, and then supporters invest in the projects. This investment threshold is also very low, as long as you like or are interested, you can invest.
4. Virtual currency
In a sense, virtual currency is more subversive than any form of internet finance in the past. In 20 13 years, the virtual currency represented by bitcoin soared from 100 yuan to 8000 yuan in just a few months. Although it was heated, it also fell sharply.
5. Bond financing
Bond is a kind of securities, which is generally issued by large institutions, and the interest is determined in advance, which has a good circulation function. Many people can accept this kind of securities, especially treasury bonds, so many people manage their finances in this way.
6. Stock financing
Shares are part of the capital of a joint-stock company and can be transferred, traded or mortgaged. It is the main long-term credit tool in the capital market, but the company cannot be required to return its capital contribution. Although the A-share market is bleak now, there are still many wealth managers who want to increase their wealth through stock financing.
7. Fund management
Fund is a collective investment form that collects the funds of many investors by selling fund shares, and is managed by fund custodian and fund manager, sharing benefits and taking risks in the form of multiple portfolios. Since the fund is managed by professionals, investors don't need to spend too much energy on it. Moreover, fund managers can easily invest in various forms with concentrated funds, which is also impossible for ordinary investors.
8. Foreign exchange financing
Foreign exchange is a payment voucher expressed in foreign currency for international settlement, including foreign currency, foreign currency deposits, foreign currency securities (government bonds, government bonds, corporate bonds, stocks, etc. ), foreign currency payment vouchers (bills, bank deposit vouchers, postal savings vouchers, etc.). ) and so on. Investors can make profits by trading foreign exchange through the differences of exchange rates of various currencies.
9. Insurance financing
Insurance financing is to win some benefits for yourself through insurance products. The initial knowledge of insurance business provides some guarantees for people's lives. However, in recent years, insurance companies have successively launched some insurance financial products, which allow investors to enjoy interest while paying dividends, but also have certain protection functions.
How to choose online financial products
1, clear financial objectives
Be sure to be clear about your financial purpose. First of all, every investor should be clear about his financial purpose. For example, did you choose this Internet wealth management product to make a down payment on a house, or to buy a car, or just to accumulate relevant investment and wealth management experience?
2. Security of the platform
Usually, professional and formal Internet investment and financial management platforms will have the intervention and monitoring of third parties. This will not only give investors more confidence and trust, but also make the security of funds more reliable.
3. Product risk
We should know that products with different yields now have different degrees of risk. But it is not that products with low returns are safer, and products with high returns are more dangerous. However, Internet wealth management products with high yield are usually risky. So before we choose, we also need to know how much risk we can bear.
4. Don't blindly follow the trend
In the process of investment and financial management, accidents are prone to occur. Investors should be able to bear the risks brought by related accidents, and online financial management is not perfect enough. Investors are not advised to blindly follow the trend of investment, and it is easy to choose Internet financial products that are not suitable for them.