1, trust company
Trust business is flexible and adaptable, which is conducive to invigorating the economy and strengthening economic and technological cooperation between regions; It is conducive to absorbing domestic and foreign funds and supporting the equipment renewal and technological transformation of enterprises.
2. Banks and brokers
This kind of trust products are generally sold on a commission basis, so it is more convenient to buy a trust, but it lacks customer follow-up service and professionalism. Moreover, banks usually deduct a portion of the proceeds.
3. Third-party financial institutions
In a sense, the expansion and positioning of third-party wealth management companies in the asset management market is somewhat similar to that of private equity funds now, which combines expert financial management with flexible cooperation terms as a breakthrough to open the asset management market.
Shopping guide:
1. Choose a trust company with good reputation.
Investors should seriously consider the trust company's integrity, financial strength, asset status, risk management and control, historical performance and personnel quality, so as to decide whether the trust products issued by the trust company are worth buying.
At present, there are 68 domestic trust companies as of April 28th, 20 13, the latest one is China Minsheng Trust Company, and the attached figure shows 67 others.
2. Estimate the profit prospects of trust products.
Most trust products in the market have determined the investment of trust funds in advance, so investors can predict the success rate of the project through factors such as industry, the stability of cash flow and the market situation in a certain period in the future, and then predict the profit prospects of trust products.
3. Investigate the strength of the guarantor of the trust project.
If the financier fails to "repay the principal and interest" due to operational problems, whether the preset guarantee measures can effectively compensate the "principal and interest" of the trust becomes the key to determine the loss of the investor.
Therefore, when choosing trust financial products, we should not only choose products with strong financing strength, but also examine the strength of the guarantor of trust projects.
Generally speaking, although the income of trust wealth management products guaranteed by banks and other financial institutions will be relatively low, their safety factor is higher.
4. From the risk and return of various trust wealth management products, trust funds invested in real estate, stocks and other fields have higher risk and return, which is more suitable for young investors with strong risk tolerance or high-end investors with abundant idle funds.
Projects invested in energy, electric power, infrastructure and other fields have good security and relatively low returns, and are more suitable for stable investors who use long-term reserves such as pension funds or children's education funds to invest.
In addition, investors need to pay attention to some details when purchasing trust wealth management products.
For example, read the trust contract carefully, understand your rights, obligations and responsibilities, and fully grasp the risks you may have to bear.
Most trust wealth management products cannot be redeemed or withdrawn in advance, and can only be held until maturity after purchase. If investors need money in an emergency and are eager to withdraw it in advance, they can transfer the beneficial right of the trust by agreement, but they need to pay a certain handling fee. Therefore, they should try their best to invest in trust wealth management products with idle funds that will not be used in the short term.
Trust laws and regulations strictly stipulate the obligations and responsibilities of trust companies, and the regulatory authorities also require trust companies to give risk warnings to investors and disclose important information of trust products in a timely manner. Many trust companies have regularly disclosed the net value and financial information of trust property to beneficiaries. Investors should fully exercise their rights and protect their investment rights to the maximum extent.