There are many financial products on WeChat Financial Management, among which brokerage financial products are relatively common.

A friend came to ask how about a brokerage financial product?

This product is CITIC Securities’ daily profit and monthly profit.

Today I will give a comprehensive analysis of this product, I hope it will be helpful to everyone.

1. Product Features CITIC Securities Tiantianlicaiyueyueying is a financial management product for securities companies. It is a pledge-type quotation repurchase transaction reached between CITIC Securities and its customers.

In plain English, CITIC Securities uses its own cash and bond assets as guarantees to borrow money from investors. The borrowed money will be invested, and the money earned from the investment will be paid out as expected by the investors after the financial products mature.

income.

This type of financial management by securities companies is similar to that of banks. Although securities companies seem less reliable than banks, the risks of financial management by securities companies are still within the acceptable range of investors.

2. Product Safety The funds of Tiantian Financial Management mainly invest in bank deposits, monetary funds, interest rate bonds and credit bonds. The safety of the first three is not much. Credit bonds are mainly AA-level or above credit bonds between banks and exchanges. If there is a default,

The probability is small and the safety is relatively high.

3. Product Expected Yield The annualized expected yield agreed by CITIC Securities Tiantianli Caiyue Monthly Yield is 3.3%. This expected yield is different from that of money funds. It is unchanged as agreed, while the expected yield of money funds is

It changes every day. Relatively speaking, the expected income of this product is more stable.

The investment period of this product is 28 days, and the expected rate of return corresponding to 3.3% is not outstanding, but it is still much better than money funds, and the expected rate of return is agreed upon and will not decline after buying.