There are four main types of products of WeChat financial management, namely, money fund, stable debt base, insurance financial management and brokerage financial management. Let's introduce them in turn.
I. Monetary Fund
I believe many people know the money fund, and the essence of Yu 'ebao is the money fund. Its expected income is stable and low risk, and it can be withdrawn at any time. The expected income of the money fund of Licaitong is generally higher than that of Yu 'ebao, and it can be withdrawn at any time, and it will arrive in a few minutes (limit 10000). Judging from the current market, the money fund with the highest expected income from Licaitong is Huitianfu Full Insurance with 7-day annualized income, while Yu 'ebao's expected income is only 2.6%.
Second, a stable debt fund
Steady debt funds include wealth management funds and short-term debt funds. Financial management funds have a certain investment period, usually 7 days to 2 months. Mainly investing in short-term bonds and bank deposits, the security is similar to that of money funds, and the expected return has no advantage over money funds.
Short-term debt fund is equivalent to enhanced money fund, and its expected income is slightly higher than that of money fund. In the bond bull market of 20 18, the average expected return of short-term debt funds is above 100%. Of course, the expected return is directly proportional to the risk, and the risk of short-term debt funds is slightly greater than that of money funds, but long-term holdings generally do not lose money.
Third, insurance financing.
Licaitong's insurance financing is mainly personal pension security management products, that is, pension financing issued by pension insurance companies. Pension financing has a current version and a regular version. The former is equivalent to the monetary fund issued by insurance companies, while the latter is equivalent to the bank financing issued by insurance companies. Security is not low.
Fourth, the brokerage financial management.
Licaitong's brokerage financing includes collective asset management plan and expected income certificate. The risks of the collective asset management plan are high or low, generally starting from 50,000 yuan or 65,438+10,000 yuan. These products launched by Licaitong are all low-risk products, mainly investing in the fixed-income market, starting from 50,000 yuan, and the risk is not high.
Compared with the collective asset management plan, the expected income voucher product is more secure. It is equivalent to capital preservation and wealth management issued by securities companies. In essence, it is a bond, which is guaranteed by the broker's own credit. Generally, it is guaranteed, and there are also guaranteed expected returns.
Ok, I would like to introduce four types of wealth management products here, hoping to help you. Warm reminder, financial management is risky and investment needs to be cautious.