Second, the risks are different. National debt is generally called "risk-free rate of return", although it does not directly promise to protect capital and interest, but there is basically no possibility of loss; According to the different investment targets, financial management is divided into five grades: R 1-R5. The greater the grade, the greater the risk.
Third, the purchase platform is different. Treasury bonds are generally purchased in banks; There are many channels to purchase wealth management, and banks, brokers, insurance companies and third-party consignment platforms can all buy them.
The income from investment and financial management is: (1.1-1) * 50,000 yuan = 5,000 yuan, excluding handling fees.
Financial redemption refers to selling the fund and getting it back. If the fund is purchased by deducting money from the bank card, the cash will go to the bank card after redemption. If it is not exchanged, it cannot be used for consumption and transfer. Tencent WeChat Finance has many products. The "balance+"in financial management is a money fund, and there is no handling fee for redemption. The "prudent financial management" in Licaitong is mainly products that pursue prudence, such as bond funds, money funds, insurance financial management, brokerage bank financial management and so on.
Licaitong's "advanced wealth management" mainly includes high-risk wealth management products, hybrid funds, index funds, stock funds, FOF funds and alternative funds. Among the above products, Class A funds with front-end charges need to pay a handling fee when redeeming, while Monetary Fund and Class C funds do not need to pay a redemption fee when redeeming. Licaitong is a subsidiary of Tencent, Shanghai Tengfu Financial Information Service Co., Ltd. Tencent Licaitong was launched on WeChat wallet from 20 14 to 1.
Financial management is a Chinese word, pinyin is lǐ cái, and English is Financing, which refers to the management of finance (property and debt) for the purpose of maintaining and increasing the value of finance.
Financial management is divided into corporate financial management, institutional financial management, personal financial management and family financial management. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management. "Financial management" is often used with "investment and financial management" because "financial management" includes "investment" and "investment" includes "financial management". The so-called financial management is not only about investing in financial management, but also about being invested. If you don't know how to invest, you don't know how to manage money better.