What wealth management products does Tencent Wealth Management have?
There are four main types of products of WeChat financial management, namely, money fund, stable debt base, insurance financial management and brokerage financial management. I want to introduce them to you one by one.
I. Monetary Fund
I believe many people know the money fund, and the essence of Yu 'ebao is the money fund. Its income is stable, the risk is low, and it can be taken out at any time. Generally, the money fund of Licaitong has higher income than Yu 'ebao, and it can be withdrawn at any time, and it can be received in a few minutes (limit 10000). Judging from the current market, the money fund with the highest income from Licaitong is Huitianfu Quanbao, with an annualized rate of 3.6% on the 7th, while the income from Yu 'ebao is only 2.6%.
Second, a stable debt fund
Steady debt funds include wealth management funds and short-term debt funds. Financial management funds have a certain investment period, usually 7 days to 2 months. It mainly invests in short-term bonds and bank deposits, and its security is similar to that of money funds. At present, its income has no advantage compared with the money fund.
Short-term debt fund is equivalent to enhanced money fund, and its income is slightly higher than that of money fund. In the bond bull market of 20 18, the average income of short-term debt funds is above 4.5%. Of course, the income and risk are directly proportional. The risk of short-term debt funds is slightly greater than that of money funds, but long-term holdings generally do not lose money.
Third, insurance financing.
Licaitong's insurance financing is mainly personal pension security management products, that is, pension financing issued by pension insurance companies. Pension financing has a current version and a regular version. The former is equivalent to the monetary fund issued by insurance companies, while the latter is equivalent to the bank financing issued by insurance companies. Security is not low.
Fourth, the brokerage financial management.
Financial management of securities firms includes collective asset management plans and income vouchers. The risks of the collective asset management plan are high or low, generally starting from 50,000 yuan or 65,438+10,000 yuan. These products launched by Licaitong are all low-risk products, mainly investing in the fixed-income market, starting from 50,000 yuan, and the risk is not high.
Compared with the collective asset management plan, the income voucher product is more secure. It is equivalent to capital preservation and wealth management issued by securities companies. In essence, it is a bond, which is guaranteed by the broker's own credit. Generally, it is guaranteed income.
Which is safer, fund management or change management?
Both of them are safe. It's just that both have their advantages and disadvantages. In daily life, most people may choose to use WeChat for payment and financial management. Because of the high frequency of use, when they have a certain amount of change, they will notice the "wealth management pass" in WeChat payment and the "change pass" in their wallets.