1. Wechat Licaitong is the official financial platform of Tencent, so you can use it with confidence. Moreover, the funds in the wealth management account are highly secure, and the wealth management funds do not support the use of WeChat transfer, red envelopes, consumption and other operations, and can only be redeemed to the security card. As long as you have a security card, the funds will not be lost.
2. According to my experience in WeChat financial management during this period, I think we can share the investment risk by choosing bond funds, money funds and fixed investment funds, and we must know the product performance before buying, so as to maximize the income.
3. Licaitong is a product of Tencent, and many fund companies cooperate with it. The wealth management products provided are diversified, allowing you to choose the corresponding products according to your actual purchasing power, so you can meet users with different needs.
Products and services of Licaitong:
1. Balance+:All money fund accounts held by users in Licaitong (except change pass and change financing) are characterized by 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 government bonds and financial bonds. 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.