From the currency risk, we can see the security of funds. Money funds are connected with financial management. Saving money in financial management is equivalent to buying a money fund of a fund company. The market risk of money fund is extremely low, and the possibility of loss is very small. Judging from the annualized rate of return of fund companies over the years, there has been no loss. Therefore, the financial security of Licaitong can be guaranteed.
On the other hand, the account is safe. The user's account binding between WeChat and WeChat Finance is protected by the WeChat account security system. The funds in the wealth management account can only be transferred from any bank to the card. To sum up, WeChat financial management is still very secure in terms of security.
First, Tencent Financial Management
Tencent Wealth Management is a professional wealth management platform launched by Tencent. Since it was launched on WeChat wallet in June, 20 14, it has adhered to the development concept of compliance, risk control, selection, innovation and stability, bringing a one-stop, high-quality, safe and convenient investment and financial management experience to hundreds of millions of users.
Tencent Licaitong strictly selects financial institution partners to screen better financial products. At present, diversified wealth management products such as money fund, insurance wealth management, bond fund, index fund, hybrid fund and overseas fund, as well as various convenient functions such as salary wealth management and index fixed investment have been launched to meet users' diversified wealth management needs.
Licaitong is the official financial platform of Tencent, providing users with diversified financial services. Select money fund products, flexible financial management, access at any time, as well as regular financial management, insurance financial management, index funds and other financial products. Support PC official website, WeChat and mobile QQ for seamless financial management anytime and anywhere.
Second, products and services
1) Balance+:The accounts of all monetary funds (except change pass and change financing) held by users in Licaitong have the characteristics of enjoying income, being payable, being available at any time and being multi-purpose. After purchasing "Balance+",users can enjoy the income of combined money funds, and the total income is the combination of the income of all single money funds they hold. There is no restriction when using "Balance+"to purchase other wealth management products. At the same time, the "balance+"funds also support automatic credit card repayment, loan repayment, telephone charges and so on.
2) Steady financial management: mainly invest in "fixed income" assets that can continuously bring interest income, such as national debt and financial debt. It has the characteristics of long-term stable income, relatively low risk and rich term categories. Licaitong divides this kind of wealth management products into "stable products" and "stable products". The former is suitable for users with low income requirements and low risk preference, while the latter is suitable for users who pursue long-term stable income and have certain risk tolerance.
3) Advanced wealth management: wealth management products that mainly invest in the capital market, such as bonds and stocks, are characterized by relatively high returns, large short-term fluctuations and relatively high risks. Licaitong divides such financial products into "advanced entry products" and "income products". The former mainly invests in assets with low risk such as bonds, and some products add some other investment varieties, such as convertible bonds and stocks, so as to obtain higher returns under the premise of controlling risks. Most of the latter invest in the stock market, which is a high-risk and high-return category with the growth of the market or efforts to surpass the market performance.
4) Investment together: a platform for fund investment and caring services, which can choose appropriate investment strategies and investment teams for users and try to achieve their investment goals. By the end of February, 65438+2020, the accessed fund portfolios include China Europe Super Stock All-Star, Southern Steady Profit, Harvest Monetary Profit, Huaxia 90 Houlang Pension, Huaxia 80 Right Pension, Huaxia 70 Right Pension, Harvest Youth Entrepreneurship Education Fund and Southern Mengwa Growth Education Fund.