First, choose the right product according to the investment risk.
1, looking up from the capital
The investment direction of the Fund is stock/creditor's rights/money fund. P2P wealth management products correspond to direct borrowers or borrowing enterprises.
2. From the perspective of operating entities.
The main operating body of the fund is the fund company, and the entry threshold is high. Companies that can apply for a license need better comprehensive strength.
The main body of P2P financial management is P2P company. On the entry threshold, the registration threshold of P2P companies is low, and the strength of enterprises operating P2P companies is also uneven.
3. Main risk factors
The key to the profit and loss of fund investment lies in the timing of trading and the choice of fund varieties. Comparatively speaking, timing is more important than variety. The fixed investment products of the fund are invested by investors on schedule, and the investment cost is relatively average, which also requires investors to have a certain understanding of the financial market.
The risk of P2P financial management comes from the security and compliance of the platform and the risk screening level of the platform projects.
4. Potential loss degree
Because the investment direction of the fund is the direction of stocks and bonds, these directions are relatively standardized. If the market is not suitable or the timing of entering the market is not suitable, the principal and income will be greatly reduced, but no one can touch our money.
However, because P2P wealth management products are invested in individuals or small and medium-sized enterprises, the risk control of P2P wealth management platform is improper, the overdue rate is too high, and the cash flow of the platform is broken, which will lead to the loss of principal and interest. There are also many P2P with excellent risk control, which require investors to know more and screen more.
Second, investment strategy suggestions
Because the fixed investment of the fund comes into the market in batches, when the stock market is consolidating or falling, because the fixed investment quota is undertaken in batches, you can buy more and cheaper, and the return on investment after the stock market rebounds is better than that of a single investment. For the China stock market, it should be a volatile upward trend in the long run, so regular quota is very suitable for long-term investment and financial planning.
P2P financial income is fixed, and product income can be calculated and determined when investing in the target. At present, the average annualized income of the industry is between 8%- 12%. Suitable for investors who pursue fixed investment income and low risk preference.
Third, according to the liquidity requirements, choose the appropriate wealth management products.
Fund investment products need time and the power of compound interest, and investors' liquidity is low. Now that the fund has invested in products, customers have high liquidity of funds and can choose P2P financial management.
Fourth, the right people are different.
The characteristics of fixed investment products of the fund are small investment, and considerable assets can be accumulated after a few years. Suitable for professional investors who have regular fixed income and need funds in the medium and long term.
P2P financial management is characterized by low threshold, fixed income and flexible investment period, which is suitable for investors with certain idle funds.
Generally speaking, we can't say which is better, but what kind of people it suits. If you prefer piecemeal funds, it is better to choose fixed investment funds; If you like short-term liquidity to get higher returns, it is better to choose financial management.