Holding a thermos cup, put the medlar in, the hairline moved back a lot, and the beer belly was looming. The only constant in my heart is the enthusiasm for investing in P2P in recent years.
First knife test
Although the knowledge of university study has long been returned to teachers, living in today's society, I still need to understand the concepts of PPI and GDP if I want the money bag not to depreciate. I always hope that the return on investment will exceed the growth rate of M2.
20 13 10 is my first contact with P2P. At that time, I took out a small test knife of 100 yuan, got on the bus in a muddle, and successfully recovered the principal and interest at maturity. From then on, I fell in love with P2P.
After entering 14, I have invested in dozens of platforms, worked as a wool party and won many platforms.
Experienced finance, 99 wealth, dry package, and a fortune, old drivers should all know these platforms. The big wool platform was very popular in those days.
14 and 15 years, the P2P industry has also ushered in a period of rectification and standardization, and the running platform has also made me jumpy. I got away with it two months before the financial turmoil, and successfully paid back the money a few days before Wen Yi's wealth exploded. I'm glad I was close.
After that, I also invested in pleasant loan, pat loan, micro-loan network and group loan network, which made me feel a lot of security.
Of course, in recent years, P2P investment has also capsized in the gutter:
At that time, I invested in the Federal Reserve Bank of China, but unexpectedly, the platform leaked user information. Under the attack of MM dia dia sound and sugar-coated shells in Taiwan Province Province, I actually said the verification code in a muddle, but fortunately, the loss was not great.
Counting, I have invested in more than 50 P2P platforms since 13, and I am still very lucky. Although I have stepped on thunder, it is not too much. Generally speaking, the gains far outweigh the losses.
Especially since 17, when I came into contact with financial novices, I felt that I had found an organization from individual soldiers, and I also dug up a lot of treasures from the platform of food guide evaluation, and learned a lot of skills to identify the platform.
For those who still refuse P2P, I don't want to say anything more. Anyway, my own investment and financial management in these years are basically in P2P.
Some people estimate that I am advertising, and I don't want to explain anything. The important thing is to make money and settle down.
P2P advantage
In the process of investing in P2P, I have been paying close attention to the development of this industry. Here I also talk about my understanding of P2P.
As we all know, P2P is a kind of person-to-person lending and investment, but it became stale as soon as it was introduced into China. The reason is that everyone knows more or less that there are too many old people.
However, this will not affect the development of the industry at all. /kloc-in the past 0/0 years, the cumulative transaction volume of P2P has exceeded 6 trillion, and the number of active investment users has also exceeded 4 million. I should remember correctly.
Although there is still a big gap compared with the base of investors and citizens, it is worthy of recognition to achieve such results in a short time.
Why can P2P attract so many people to invest, and why is it so large in just a few years?
1, high yield: Although the yield of 20% in previous years is not common now, the average yield of 10% can still kill many wealth management products.
2. Low threshold: P2P, as a low-threshold investment and wealth management product, can participate in the investment for 100 yuan. Compared with the threshold of 50,000 yuan for bank financing and 0/00 yuan for private trust assets, P2P is still very close to the people.
3. Simple operation: P2P registration, recharge and investment withdrawal can be completed online, without going to the bank counter or the securities company, let alone queuing to buy government bonds.
4. Flexible term: The investment term of P2P platform is generally divided into short term: 1 month, 3 months and 6 months. Medium and long term: 12 months, 24 months and 36 months. You can choose different investment periods according to your own idle time of funds. In case of urgent need of money, the creditor's rights can also be transferred.
Small investment experience
Finally, I would like to share with you some experiences I have gained from investing in P2P in recent years, hoping to help you make money.
1. Don't register easily. Now many P2P companies are cooperating with channels. Channels generally include interest rate coupons, extra red envelopes, JD.COM cards or other cashback activities, and the income will increase by at least 1%-2% every year.
Therefore, don't register a new platform easily, the number is very valuable, and then make a decisive move when the activity is strong.
2, the main investment, but also appropriate bonus hunter. 80%-90% of the funds can be used for investment, and this part is used for steady appreciation. 10%-20% will be used in bonus hunter to improve the overall rate of return.
Don't underestimate this 10% fund. If used properly, it will improve several points. Of course, it is not aimless bonus hunter, and the wool table is not entirely a pheasant platform. There are also high-quality platforms such as lufax, Pleasant Loan and Pat Loan.
On how to identify the pheasant platform, bonus hunter, safe and efficient, can discuss and communicate with you when you have time.
3. Keep an account and remember the platform expiration date. The most taboo of investment and financial management is that the funds are idle, the funds will never sleep, and the income will rise.
Withdraw cash or continue to invest immediately when the platform expires, and never let the funds sit idle in the account for one day.
Of course, remember to pay attention to the cash withdrawal rules of the platform before investing, and avoid cash withdrawal on Friday or holidays, because ordinary banks will not handle cash withdrawal on weekends, wasting two or even a few days.
4. Combination of long and short marks. Because there are still many imperfections in the P2P industry, which are mixed and uneven.
Therefore, it is generally recommended to invest most of the funds in the short-term bid from March to June, which not only maintains liquidity, but also controls risks.
Bidding 1 month is a waste of time and energy, and it is also necessary to consider the whereabouts of funds when the month expires.
It takes too long to invest in the annual standard, and there are too many uncertainties in the middle. God knows what the platform will be like in a year.
The money is your own, you can't be too careful. I especially admire investors who have worked for 2 or 3 years.