The investment period of insurance wealth management products is long, and the income is generally about 2% higher than that of national debt in the same period. Different from national debt, insurance has the characteristics of insurance. ?
Capital preservation fund The core of a capital preservation fund is capital preservation, which requires a higher term. If it is redeemed in advance, it will not only fail to protect the capital, but also bear the risk of fund net value fluctuation. Compared with bank deposits or national debt investment, capital preservation funds have higher appreciation potential, and have higher expected returns while ensuring the principal return. ?
The risk of bank wealth management products is similar to that of capital preservation funds, and the income is generally 4%-7%. However, high returns do not exist regularly, and the amount is limited, which needs continuous attention. However, the term of bank wealth management products is flexible, with 1 month, 3 months and half a year. Capital preservation is not a problem.
Money funds are similar to bank wealth management products, and sometimes the income can reach more than 5% per year. There is no problem with capital preservation, and investors can transfer fund shares at any time. The difference between him and the previous financial products is that investors can reinvest with the income from each diary 1 000 yuan, accumulate investment income and increase the fund share owned by investors. ?
Trust income: higher than all the above guaranteed wealth management products, with annualized income of 8%-12%; Duration: flexible, mostly 1 year and 2 years; Safety: high, because trust products have risk control measures, and all risk control measures are strictly controlled by trust companies; Starting point: 500,000 yuan or more than 6,543,800 yuan; In general, the principal and income are guaranteed.