I. Characteristics of fund products
1, low investment threshold.
For investors with limited funds, such as office workers; If everyone holds a fixed salary of 50,000 yuan, excluding daily expenses, what can be left every month may be 2,000 or 3,000 yuan. However, the entry threshold for information ports of basic banks is relatively low. At present, most subscription thresholds in Public Offering of Fund are from 10 yuan, which I believe everyone can afford.
2. Strong liquidity
At present, most of Public Offering of Fund's trading rules are T+ 1, which means that investors who are used to Man Cang can redeem the fund T+ 1 the next day if there is a sudden demand for cash flow in the near future.
3. Risk coefficient
Buying a fund can directly reflect the profit and loss in the face of ups and downs. For novice users, many people can't bear the impact of principal loss. And choose to sell the fund at a loss, so as to draw the conclusion that the fund is unreliable and not worth investing. At this point, the general psychology of Xiaobai users is more common.
Although funds are not as risky as stocks, stocks are based on market conditions and external economic influences, and the risk coefficient is not low. Therefore, the fund is indirectly investing in stocks; The rise and fall of funds and stocks have a direct impact.
Second, wealth management products
For prudent investors, the risk coefficient of regular wealth management products is relatively low, which is a good investment choice. The difference between wealth management products and funds lies in:
1. Closed period of wealth management products
The main feature of wealth management products is that they have a closed period, and different products have different closed periods. For example, if you buy a wealth management product with a term of 365 days, it will take 365 days to redeem it from the day you buy it. Therefore, when purchasing regular wealth management products, you must read the trading rules clearly. Most regular wealth management products cannot be redeemed in advance once they are sold.
2. Risk coefficient
The risk coefficient of regular wealth management products is slightly lower than that of funds. Regular wealth management products mainly take performance benchmark as an example, which has relatively little direct impact on the stock market.
Whether it is a fund or a wealth management product, any product has its own characteristics, and everyone can bear different risks, and the investment direction is naturally different.
From investment and wealth management to Golden Axe, Golden Axe aims to become a "research and technology"-driven family fund allocation service provider, and create a customized family financial service cloud based on mature investment and research, risk control, products, post-investment, financial planners and technology service systems.
Starting from family goals and planning, Golden Axe provides customers with one-stop family financial analysis, investment strategies and cross-cycle, all-category and diversified fund allocation schemes. Services cover convenient product search, fund redemption, net worth inquiry, wealth bookkeeping, configuration planning, investment consulting, etc. On the mobile side, PC side, and WeChat side, it will eventually help families realize the preservation, appreciation and inheritance of wealth.
Up to now, the number of middle-class and high-net-worth registered users on Golden Axe Platform has exceeded 570,000, and the accumulated funds allocated to customers such as Public Offering of Fund, Sunshine Private Equity and Private Equity have exceeded 35 billion. More than 654.38 million families have obtained professional, independent, real-time and efficient one-stop asset allocation advice and fund trading services.