1, deposit
2. Bank investment
Step 3 combine
4. Monetary Fund
5. Debt base
6. Trust products
7.P2P financial management
8. Preferred stock, etc.
All of the above are fixed-income wealth management products.
Second, the inventory of fixed income products
1, deposit
Risk: ★
Income: ★
Liquidity: ★
Investment threshold: 50,000 yuan or more than 6,543,800 yuan.
Investment period: The fixed period ranges from 3 months to 5 years.
Yield: the benchmark interest rate for demand deposits is 0.35%; Time deposit 2% ~ 5%.
Advantages: It has the characteristics of safety, high liquidity, stability and low risk.
Disadvantages: low risk is accompanied by low income, and even the interest rate of time deposits is not higher than that of general funds, and the withdrawal of large deposits requires an appointment in advance.
Threshold limit: there is no threshold limit except for special varieties.
Suitable for the crowd: everyone.
Suggestion: Deposit is an entry-level fixed-income wealth management product. The interest rates of time deposits with different maturities are different, but the overall rate of return is low. It is suggested to effectively control the allocation ratio of deposits in assets.
2. Bank investment
Risk: ★
Income: ★★★
Liquidity: ★
Investment threshold: 50,000 yuan or more than 6,543,800 yuan.
Investment duration: the duration varies from one week to several years.
Advantages: high safety. For some products with floating interest rates, banks can basically cash in the expected returns, and there are rigid exchange agreements, so the overall risk is relatively low.
Disadvantages: poor liquidity, fixed term, unable to withdraw in advance. Most of them also have tens of thousands of starting purchases, and there are certain thresholds.
Yield: mostly maintained at around 3%.
Suitable for people: conservative investors.
Suggestion: Most of the wealth management income of banks on sale is maintained at around 3%, and the annualized rate of return of high-yield wealth management products of some joint-stock banks can reach above 4.5%, but most of them have high thresholds, and the initial purchase amount is above 6,543,800 yuan. Obviously, ordinary investors can't enjoy such "welfare". For more conservative investors, it is suitable to be combined with p2p financial management in a certain proportion.
Step 3 combine
Risk: ★ Benefit: ★★★★
Liquidity: ★★★★★★★ Investment threshold: 50,000-1 10,000.
Investment period: There are different maturity dates to choose from.
Advantages: high security, higher income than bank deposits, protected by restrictive clauses, and lower risk.
Free circulation, no need to repay the principal at maturity, and can be realized in the secondary market at any time.
Disadvantages: poor anti-inflation ability.
Yield: the average yield of corporate bonds is about 8% ~ 9%, and the purchase price yield of 10-year treasury bonds is 2.66%, which is the lowest since March 2006.
Suitable for the crowd: Most types of bonds are suitable for institutional investors to allocate assets.
Suggestion: On the whole, the investment threshold of China's bond market is relatively high, and individual investors can invest in fewer varieties, mainly including some national bonds and high-grade bonds of exchanges. Most bonds are mainly suitable for institutional investors to allocate assets.
4. Fixed income funds
Risk: ★
Income: ★★★★
Liquidity: ★★★★★
Investment threshold: 1000 yuan can be invested.
Disadvantages: Only if you hold it for a long time can you get a relatively satisfactory return.
Advantages: It has the characteristics of centralized management, risk diversification and professional investment. The redemption time of the money fund is generally around 1-3 days, and there are gains on holidays.
Rate of return: The annualized rate of return of the Monetary Fund is about 4% to 5%, which is higher than the bank 1 year (after tax 1.8%) deposit interest rate; The highest annual income of bond funds can reach about 10%.
Suitable for people: individuals and non-professional institutions to invest.
Suggestion: Monetary fund is an important substitute for bank deposits. Investors can invest working capital or short-term idle funds in money funds to gain short-term gains to make up for losses in interest and other aspects.
5. Fixed income trust products
Risk: ★★★★
Income: ★★★★★
Liquidity: ★
Investment threshold: the subscription amount is 6,543,800 yuan+0,000 yuan.
Investment period: generally between 1-2 years,
Yield: The total average yield of trust products issued in July is 6.62%.
Advantages: the risk of fixed-income trust products is quite low, because the yield is higher than that of savings deposits in the same period, and the principal and interest are guaranteed.
Disadvantages: most of them cannot be withdrawn in advance. After purchase, only the holding expires, and there is a handling fee for early withdrawal.
Yield: The total average yield of trust products issued in July is 6.62%.
Suitable for people: high net worth people
Suggestion: Generally speaking, the threshold of trust products is relatively high, and the subscription ability of non-high net worth people is limited. When buying such products, we should choose those trust financial products with strong "borrowers" and bank guarantees. It should be noted that most trust products do not have interest floating clauses, and they are executed at the contracted interest rate after purchase, and the interest rate generally does not change.
6.P2P financial management
Risk: ★★★★★★
Income: ★★★★★
Liquidity: ★
Investment threshold: there is basically no threshold, and most of them can participate at 100 yuan.
Advantages: P2P financial management threshold is low. Compared with bank financing, P2P financing has a higher yield.
Disadvantages: There may be fraud in the P2P platform, and the financier can't pay it at maturity, so the investment bears greater risks. Because it is a non-standard product, its liquidity is low.
Yield: The yield is generally between 7%- 1 1%, which is four times that of bank wealth management products.
Investment period: it is also flexible, ranging from one month to several years.
Suitable for people: suitable for all income groups.
Suggestion: Internet finance belongs to the category of fixed income, and the income and risk increase simultaneously. Investors should also abide by their own investment bottom line and not be completely induced by high returns. Only by choosing a formal and reliable platform can they manage their finances scientifically and minimize risks.
7. Preferred stock
Risk: ★
Income: ★★★★★
Liquidity: ★
Investment threshold: 5 million
Investment period: longer.
Yield: about 5%
Advantages: Dividends are relatively stable, usually higher than bond yields.
Disadvantages: Preferred stock has poor liquidity, poor persistence or long term, so it is difficult for ordinary investors to benefit from stock price changes.
Suitable for people: more suitable for financial strategic investors and long-term investors.
Suggestion: Preferred stock prices are highly sensitive to interest rates. When the market interest rate drops, as a high-yield product among the most guaranteed fixed-income products, preferred stock is still the first choice for many high-net-worth investors. It is attractive for long-term funds such as insurance and pension.
Investors are advised to choose preferred shares issued by top credit rating companies, such as banks, insurance companies, public utilities and telecommunications companies.