What is the best choice for wealth management products? There are many wealth management products now, and each product has its own "playing method", with different risks and benefits. The key is to understand its advantages and disadvantages, and then weigh them. Jinsheng Financial Bian Xiao will introduce the common financial products for you in detail.

time deposit

Time deposit can also be regarded as financial management. Although the annual interest rate is only about 3.5%, the foundation is risk-free. In a word, many people like to make time deposits in banks. After all, there are some benefits. But the yield is too low to resist inflation. Simply put, the more we save, the less we have.

fund

There are many types of funds. Jinsheng Financial Bian Xiao will briefly introduce several common ones for you.

1. Equity fund: a fund that mainly invests in stocks, in which the proportion of stock investment in the net asset value is ≥60%, with high risks and high returns, mainly in the medium and long term.

Equity funds are actually equivalent to taking money to let professional fund companies trade stocks for you, and fund companies charge a certain commission. It is not much different from the essence of direct stock trading.

2. Money funds: funds that mainly invest in money market instruments, including short-term bonds, central bank bills, repurchase, interbank deposits (certificates of deposit, commercial bills), etc. The liquidity is high, the income depends on the short-term interest rate of the market, and the risk is low, which is suitable for short-term investment.

3. Bond funds: funds that mainly invest in bonds, in which the proportion of bond investment to net asset value is ≥80%, and the risk is low. The income depends on the medium and long-term interest rate in the market, with medium and long-term investment as the main investment.

4. Funds allocated:

Funds that invest in stocks, bonds and money market instruments do not meet the classification criteria of stock funds and bond funds. The income depends on the proportion of the fund's investment in stocks, and the risk is moderate, which is suitable for medium and long-term investment.

5. Capital preservation fund:

The fund prospectus clearly stipulates the relevant guarantee clauses, that is, after meeting a certain holding period, it provides investors with the guarantee of principal or income, and only when it is held for a long time can the capital be guaranteed, and it is bound by capital preservation and the income is average.

stock

The advantages of stocks are easy to cash out, simple and flexible operation, and high investment income; The disadvantage is that the risk of stock investment has increased in recent years, which is easily influenced by policies and has the risk of information asymmetry. Need to spend more time to learn the professional knowledge of stock trading and discuss various policies and investment targets.

national debt

National debt, that is, national debt, is a creditor-debtor relationship in the form of social fund-raising based on national credit, and it is a bond with high credit rating. The advantage of national debt investment is stability and security, but the disadvantage is relatively low income. For example, the annual coupon rate of the 3-year national debt issued by China is around 5%; The 5-year coupon rate is around 5.4%.

House/building property

Avoid the risk of inflation and make use of the time value and use value of real estate to make profits; However, it also faces investment risks, policy risks and operational risks, and the income cycle is long. Especially in recent years, the real estate policy has been greatly regulated, so it needs to be more cautious to choose this financial management method.

Internet financial products (such as p2p). )

The advantages of Internet wealth management products are convenience, simplicity, high income and low risk. The disadvantage is that Internet wealth management products are still emerging products in China, and the industries are mixed, and platforms that close down or even run away are one after another. Therefore, when choosing a platform, you should not blindly listen to others and be cautious.

Bank financial products

There are many bank wealth management products, which can be roughly divided into guaranteed floating income wealth management products and non-guaranteed floating income wealth management products according to the characteristics of risk and return.

(1) Financial products with guaranteed floating income. Financial products with guaranteed capital and floating income refer to financial products in which banks guarantee the safety of investors' principal and the investment income is distributed between banks and investors according to contracts. The risk of this wealth management product is borne by the bank, and the investor's principal is safe.

(2) Non-guaranteed floating income wealth management products. Non-principal-guaranteed floating income wealth management products refer to wealth management products that banks pay investors investment income according to the conditions agreed in the contract and the actual situation of investment income, but do not guarantee the safety of investors' principal. The risk of this wealth management product is entirely borne by investors, and the investment income is distributed by banks and investors according to the contract.

From the above analysis, it can be seen that the former wealth management products can ensure the safety of the principal with low risk; However, the final wealth management products may lose money and have greater risks. Investors need to have a clear understanding of this. Finally, Jinsheng? Financial frontier Xiao wants to remind you that bank wealth management products are not bank deposits and are risky.

There are many investment and wealth management products, so you should pay attention to your own situation when choosing. Some wealth management products have higher thresholds, so don't force investment. After all, investment is risky. We can choose more products to diversify our investment, which can also reduce the risk. At the same time, you can also choose financial products according to your own personality, and you can choose low-risk ones if you are steady. In short, there are only financial products or methods that suit you, and there is no investment and financial management that does not make money.