Advantage 1: Compared with banks, P2P yields are higher. Due to its own characteristics, the yield of Internet wealth management products is 4-5 times higher than that of banks. The average annualized rate of return of Internet financial platform is about 8%- 14%, and the rate of return is 4-8 times of the bank deposit interest rate.

Advantage 2: the starting threshold is low. Bank wealth management products are all above 50,000 yuan, and Internet wealth management is basically zero threshold. Generally, the initial investment in Internet financial management ranges from 50 yuan to several hundred yuan.

Advantage 3: The risk tends to decrease. All wealth management projects have undergone strict risk control screening, and the Internet platform has gradually introduced security measures such as third-party fund custody and risk reserve plan. At the same time, risk control measures have been continuously improved and risk control has been greatly improved. The risk of choosing a good platform for investment and financial management is almost zero.

Advantage 4: You don't need very professional financial knowledge. Internet financial management only needs to find the right investigation platform and choose a reliable platform to enjoy higher annualized income.

Advantage 5: Good liquidity. Internet has obvious liquidity advantages. You can make short-term investment or long-term investment, ranging from one month to several years, depending on your own needs and hobbies.

Advantage 6: It saves time and is suitable for people from all walks of life. Internet financial management doesn't need to constantly watch the disk, just need to have a computer with Internet access or download the APP of the investment and financial management platform. Mobile phone+network, easy to operate anytime, anywhere.

Money fund is an open-end fund, which invests in the money market, mainly investing in bonds, central bank bills, repurchase and other short-term wealth management products with high security; Bond funds are funds that invest in bonds, mainly treasury bonds, financial bonds and corporate bonds.

The difference between bond funds and monetary funds:

First, compared with the cargo base, the debt-based investment scope is wider. The most important varieties in the bond market, such as central bank bills, are traded in the inter-bank bond market, and ordinary individual investors cannot participate;

Second, by investing in different types and maturity structures, the debt base can create more potential benefits than a single bond, and can also avoid some interest rate and liquidity risks to a certain extent; But the cargo base can't do it.

Third, the money fund's income is only higher than the bank's time deposit interest rate, but there is no interest tax and it can be redeemed at any time. Generally, you can receive the funds the next day after applying for redemption. Therefore, the money fund is very suitable for units and individuals who pursue low risk, high liquidity and stable income.