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What is the difference between trust wealth management products and other wealth management products?

As a wealth management product in Gao Rui, trust wealth management products are characterized by high income and good stability. Trust plan products are generally trust plans such as infrastructure with excellent qualifications and stable income, high-quality real estate, equity pledge of listed companies, etc., and most of them are guaranteed by large-scale third-party enterprises (real estate and real estate will be added as collateral for real estate), which is one head higher than general floating income wealth management products in safety. The main differences with other wealth management products are as follows: (1) The capital threshold is higher than other wealth management products. The threshold of trust funds is 1 million. (2) Ownership and interest rights are separated. That is, the trustee enjoys the ownership of the trust property, while the beneficiary enjoys the benefits generated by the trustee's operation of the trust property. (3) Independence of trust property. Once the trust is effectively established, the trust property is separated from the self-owned property of the trustor, trustee and beneficiary, and becomes an independent property. The independence of trust property is mainly manifested in the following three aspects: ① Trust property is different from the inherent property of the trustee (trust institution). Therefore, when the trustee is dissolved, revoked or bankrupt, the trust property does not belong to his liquidation or bankruptcy property. ② Trust property is different from other properties of the trustor or beneficiary. The beneficiary (who may be the principal himself) will not lose the enjoyment of the trust property due to the bankruptcy or debt of the principal, and the trust property will not be disposed of due to the debt of the beneficiary. ③ Different trustors' trust property or different types of trust property of the same trustor are different. This is to protect the interests of each client, so as not to cause one client to gain improper benefits and other clients to suffer losses, to protect the interests of different types of trust property of the same client, and not to cause one trust property to suffer losses and endanger his other trust properties. (4) Continuity of trust management. Once a trust is established, the trustee shall not abolish or cancel the trust unless he reserves the right to cancel it in advance; After accepting the trust, the trustee shall not resign at will; The existence of the trust shall not be interrupted by the change of the trustee. (5) Trust has a certain tax avoidance function. As there is no income tax on trust income, the state has not clearly stipulated it; Therefore, it has the effect of tax avoidance to a certain extent. (6) Flexible use of trust funds. Trust funds can span the three major markets of money, capital and industry, and can be operated flexibly in various ways such as equity and loans, which is unmatched by other financial institutions. Zhongrong International Trust introduces you to the trust wealth management products: the subscription amount is 1 million, the annual fixed rate of return is 1%, the income of 3 million is 12%, and the income of 5 million is 14%. Small risks and high returns. 1. Safety: The establishment of trust funds is extremely strict, and it is a legal financing channel approved by the state, which is safe and reliable. 2. Low risk: Trust funds have high-quality assets as collateral, and the background strength of the financier is strictly examined to ensure the repurchase ability. 3. Synchronization with banks: All state-owned banks sell trust fund projects on a commission basis, and you can buy trust products at the financial counters of all banks. 4. Advantages over banks: High-quality and high-yield projects are digested by old customers of trust companies and do not flow into secondary markets such as banks.