In fact, the risk of a product is mainly understood from the aspects of whether the financial platform is formal, whether the custodian institution is formal, whether the sales channel is formal, the investment and the content of the fund company. Let's take a look together.
Wechat Wealth Management has three regular products, namely, monthly wealth management for attracting investment, monthly wealth management for Minsheng Bank and bimonthly wealth management for Yin Hua.
Monthly financial management for attracting investment and profit:
Fund category: bond type
Date of establishment: 2065438+September 25th, 2004.
Fund size: 7.769 billion (as of 20 17, 12, 3 1).
Fund custody: China Merchants Fund Management Co., Ltd., the sales organization of China Agricultural Bank Co., Ltd.
Asset allocation content: it belongs to short-term financial bond fund. In the fourth quarter, the bank deposit settlement reserve of China Merchants Zhao Liyue Financial Fund was 75.38%, the proportion of financial assets bought and sold back was 1 1.4 1%, the proportion of fixed income investment was 12.69%, and the proportion of other assets was 0.52%.
You can buy it at any time, starting from 1 1,000 yuan, and closing it every month. You can't take it out during the closing time. You can choose to take it out to the bank card or balance account after maturity, or continue to buy the next installment.
Minsheng Canada Bank Monthly:
Fund category: bond type
Fund management: Minsheng Canada Fund Management Co., Ltd.
Fund custodian: Minsheng Jiayin Fund Management Co., Ltd.
Date of establishment: 2065438+April 25th, 2003.
Fund scale: 29170,000 (as of 20 17 123 1).
Fund custody: China Construction Bank Co., Ltd.
Sales organization: Minsheng Jiayin Fund Management Co., Ltd.
Asset allocation content: mainly allocate bank bonds.
You can buy it at any time, starting from 1 1,000 yuan, and closing it every month. You can't take it out during the closing time. You can choose to take it out to the bank card or balance account after maturity, or continue to buy the next installment.
Yin Hua bimonthly wealth management fund:
Fund category: wealth management type
Date of establishment: 2065438+September 5, 2004
Fund size: 445 million (up to 20 17 12 3 1).
Fund Custody: China Agricultural Bank Co., Ltd.
Sales organization: Yin Hua Fund Management Co., Ltd.
Asset allocation content: it belongs to short-term financial bond fund. In the fourth quarter of 20 17, Yin Hua bimonthly wealth management fund invested in bonds with a fixed income of 40.4%, bank deposits and settlement reserves of 39.84%, financial assets bought for resale 19.53% and other assets of 0.23%.
You can buy it at any time, starting from 1 1,000 yuan, and closing it every month. You can't take it out during the closing time. You can choose to take it out to the bank card or balance account after it expires, or continue to buy the next installment.
Summary: We can see that all three regular products are buying bank bonds, and they are formal bank custody and formal sales organizations. In terms of asset allocation, China Merchants Zhao Li's monthly financial allocation has slightly lower requirements for banks, and the other two are allocated to banks above A level. The monthly financial management of China Merchants Zhao Li and Minsheng Canada Bank is closed for one month, and the bimonthly financial management of Yin Hua is closed for one month. In fact, there is not much difference between the three. In terms of asset allocation, Yin Hua's bimonthly financial management is the most stable, while the monthly financial management for attracting investment and attracting investment is the worst. At present, the monthly financial management of Minsheng Plus Bank is better in terms of income, but there is no problem in terms of safety factor. After all, the risk of bank default is still very low.