1. Bank financing is suitable for the crowd: the annualized income of people who are older and have no investment concept at all is 2~6% (the income mentioned in this article is annualized and is the current market interest rate level). Recommendation: the products of slightly larger commercial banks will be slightly higher than those of the four major banks, such as Shanghai Bank, Nanjing Bank, Hangzhou Bank, etc., but the products of rural commercial banks have personal reservations, although banks in China are currently. 2. At present, P2P financial management is at the forefront of the industry, but a star industry that is popular in other countries has become the target of public criticism in China. From Pan-Asia, to e-Rental, from Kuailu Group to Zhongjin (some of them are not completely P2P products, so they are temporarily here), so many big names in the industry have collapsed, and the industry risks and crises have become quite serious. Suitable for people: people with high risk tolerance and independent judgment benefit: 6~2%? (There are not a few who advertise more than 2) Recommendation: P2P recognizes the platform, because there is almost no supervision, and the company's own risk control ability determines the safety of the product. Yixing and lufax can be said to have created two P2P models, and they are operating well at present. Personally, I'm familiar with lufax. With Ping An as my back, it is said that it will be listed independently soon, and its scale has been declared to be the largest in the world, with rich product types. Products such as funds, insurance and private placement have been connected to become a financial platform for all products. The product income of exclusive financial zone is between 4.5-7%, slightly higher than that of banks, and the term is flexible. Many products can be transferred after purchase, and they can be purchased and redeemed flexibly on PC and mobile phone, which is more convenient. But I have to ask a few questions. Firstly, the investment of products is unknown, which is a bit like a cash pool. The quality of some products with investment targets is really average. If it is not backed by the word "safe", I will not rest assured to invest. The second is the bad debt rate. Although it has not been announced, many people in the industry know that the bad debt rate in lufax is not low. Summary: At present, the risk of the industry is high, so it is not recommended to buy long-term products, let alone invest most of the assets. We must diversify our investment and choose a good platform to ensure good cash flow back on a regular basis. Don't touch those who are not able to resist risks. The XX wealth on the roadside is basically a scam. I invite you to dinner all day long and send you something for a trip. I don't know that the wool is on the sheep. You look at other people's high returns and others stare at your principal. Even if I give you 2% annually, I will run away after two years of operation, and the cost will be cut by 2%. The boss will still earn 4% of your principal and get away with it. Please see the news about the number of runners in a year. Basically, there was one runner during the period when I wrote this article. 3. The income of baby products is 3~5%. Features: People with small amount and high demand for capital circulation have rushed to launch their own XX products since Yu 'ebao has spread all over China, which are basically current and can be redeemed on the same day or T+1. Personally, it is the current surplus in Ping An Fortune Treasure, which reached a maximum of 5% at the end of last year. Now it has dropped a little. It is convenient to use a small redemption for 2 hours, and it is not afraid to run away with Ping An Trust as an endorsement. There are still many current accounts that can reach 7 or 8% in the market, and individuals are afraid to try. Those who know how to do it can introduce them. Summary: Put the change in to play, mainly to have fun, and look at the income of a few dollars every day. Although I have seen millions of them put in baby products, I don't admire them very much, which is too wasteful. 4. Trust (1 million investment) income: 6-8% (individual products will be higher than 8) Suitable for people: high-net-worth customers with low risk tolerance. Introduction: From my experience in contacting customers in recent years, although the trust industry has surpassed insurance and securities, it has become the second pillar of finance. But many customers still haven't heard of it, or they have heard of it and don't understand it at all. To put it bluntly: 1. Only 68 trust licenses have been issued nationwide, which is much less than that of banks. Trust licenses are the most expensive financial licenses. 2. Directly under the supervision of the CBRC, which is in charge of banks and trusts. 3. Many trust companies have strong backgrounds, which are not the four major banks, Ping An and CITIC, or local governments, or big consortia such as Zhongrong Trust. 4. Many people can only bank, so do you know that many banks just take your money to buy trusts, make a difference, and do not bear any risks. Except that the amount of funds is less than 1 million, large customers go to the bank to buy a wealth management result and invest in the XXX trust plan. This behavior is really LOW. Although you told me that there is an extra bank with a credit endorsement from the bank, please search the news for details and see how the bank handles the problems when the products are sold by the bank. 5. The risk control is strong enough to be considered as rigid redemption. Anyone who has learned about trust products in detail will know the strong risk control ability of trust products. Generally speaking, credit projects, real estate projects and corporate liquidity loans depend on specific projects. Nonsense, for example, Wanda wants to buy a piece of land in the center of Shanghai, take 1 billion yuan of land as collateral as long as it melts 3 billion yuan, then take Wanda's net assets, which may be worth 1 billion yuan, as equity pledge, and then ask Ma Yun for unlimited joint and several liability guarantee. What if the project is broken and the principal plus interest is not up to 3 billion? It's easy to do, sell the land first, and sell it casually at more than this price. What if I can't? Selling Wanda, selling casually is more than this price. What should I do if I can't do it yet? Ask Ma Yun to pay it back. He has money. In case the land price in Shanghai drops by 1 billion, it can only sell 1 billion, Wanda can only pay back 5 million when it goes bankrupt, and Ma Yun can only pay back 5 million when it goes bankrupt. It's easy, the trust company is at the bottom, and its own funds are returned. The trust company's own funds of tens of billions are used to pay off bad debts. As far as I know, the biggest bad debt in China at present is the Qingdao Hyatt of Zhongrong, and finally Zhongrong paid back the money to investors. Afraid that the trust company can't afford it? There are so many shareholders in the trust company that all of them are worth a lot. Afraid that they will all go bankrupt? Four national bad debt companies took over. Still afraid? Then you'd better buy gold and keep it at home. By the time the trust company doesn't get there, it's basically the global financial crisis and the collapse of the domestic financial market. At least for so many years, the trust scale of more than ten trillion yuan has not lost the principal of a product, and there are many deferred payments, but there are penalty interests, as long as you don't rush to use the money, you won't lose money! You said your product was paid in advance? It's not a loss. Originally, it was 7% for a one-year period and 8% for a two-year period. You bought a two-year period and arrived early. You are still 8% a year, which is more profitable than a one-year person! Therefore, apart from some liquidity risks, personally, trust can almost be regarded as a risk-free investment behavior, but it still depends on the project. You asked me if I only need to pick the one with the highest income as long as it is a trust, because of rigid redemption? Of course not. In case of systemic risk, some products with insufficient risk control will still have problems. The security of credit information projects in Jiangsu, Zhejiang and Shanghai is absolutely leveraged. 5. The income of the asset management plan is 7-12%. Introduction: In fact, asset management is a kind of trust. Many products can't be trusted, so they can only be made into asset management. Generally, they are products issued by banks, brokers and fund subsidiaries. It depends on the risk control ability of each family. What kind of products are available? Please grasp them yourself or ask a professional staff to summarize: the income is slightly higher than the trust, but the risk control needs to be grasped by yourself. Especially for the asset management of bank consignment, you must look at the product details in detail, and don't foolishly think that the products sold by banks are safe. Please invest according to your risk tolerance. 6. The income of private equity fund (1 million cases) is 8~12, or the introduction of floating income: Many people's concepts of private equity are high risk, cheating, investing in stocks, etc. In fact, private equity fund is a big concept. Trust is also called sunshine private placement. Smile manually. Private equity funds have a wide range of investments and different strengths, so don't try it easily if you don't have certain product analysis ability. However, in the past two years, contract funds have become more and more popular, and more and more high-quality products are unwilling to pay high access fees to trust companies to choose contract funds. This is just like what I said before, although trust is the safest in terms of industry risks. However, Wanda has to turn the above-mentioned projects into contractual funds, and the risk control measures are the same as described above. At the same time, there are various trust products on the market, so I will not hesitate to buy Wanda's contractual funds. As long as the projects are excellent enough, sometimes the distribution channel is not a problem. Moreover, many projects cannot be issued as trusts, and asset management and contractual funds are the most suitable issuance methods. For example, a cultural industry fund in Peking University was recently dissolved, and all kinds of funds that were strictly controlled were rejected, that is, they were developed into contract funds, and the income was higher than that of trusts. Why not invest? Summary: See the project target clearly, clarify the investment structure, and prevent the risk of misappropriation of funds. People who will invest in this area don't need to read my profile, just come and discuss the products with me directly. 7. Equity investment income: floating income, giving you a brief introduction to your dream: PE products are becoming more and more popular at present, especially some popular enterprises such as Didi Taxi, iQiyi, LeTV, Bona Film, etc., which are either the return of China Stock Exchange or the listing or backdoor of domestic IPO. Although they have received some restrictions from the CSRC through backdoor, they may as well paint us a beautiful dream. Summary: Direct investment in these enterprises, purchase of their equity, and exit at a high price after listing are the profit models of equity projects. According to China's enthusiasm for new shares, it should not be a problem as long as it is successfully listed several times. It is entirely possible to achieve the 4%, 5% or even 1% annualized promised by the project party. However, we must also be prepared for the unsuccessful listing. In the end, how to get rid of it and realize it has to be the enterprise qualification of the postgraduate entrance examination. It is also important to study the situation of enterprises in detail, analyze the possibility of listing from all levels, see if there is guaranteed repurchase in the project, and clarify the capital structure. However, I would like to make a small point here. If you see that the equity products on the market say that they are finally listed and withdrawn, but they raise contractual funds, there are basically problems with asset management. Because all such funds must be retired when they go public, only the limited partnership structure can invest in equity. This kind of project is more complicated, and each project also has its own characteristics. Investors who want to take a gamble with high returns can discuss it with me. Just recently, they have taken a few good targets in their hands.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.