Licaitong is a professional wealth management platform launched by Tencent. Since it was launched on WeChat wallet in June, 20 14, it has been adhering to the development concept of compliance, risk control, selection, innovation and stability, bringing a one-stop, high-quality, safe and convenient investment and financial management experience to hundreds of millions of users.
Tencent Licaitong strictly selects the partners of financial institutions, screens better financial products, and introduces diversified financial products such as money fund, insurance financial management, bond fund, index fund, hybrid fund and overseas fund, as well as various convenient functions such as salary financial management and index fixed investment to meet the diversified financial needs of users.
Balance+all monetary funds held by the account user in Licaitong, which has the characteristics of income, payment, ready use and multi-purpose. After purchasing "Balance+",users can enjoy the income of combined money funds, and the total income is the combination of the income of all single money funds they hold. There is no restriction when using "Balance+"to purchase other wealth management products. At the same time, the "balance+"funds also support automatic credit card repayment, loan repayment, telephone charges and so on.
Steady financial management mainly invests in "fixed income" assets that can continuously bring interest income, such as government bonds and financial bonds. It has the characteristics of long-term stable income, relatively low risk and rich term categories. Licaitong divides this kind of wealth management products into "stable products" and "stable products". The former is suitable for users with low income requirements and low risk preference, while the latter is suitable for users who pursue long-term stable income and have certain risk tolerance.
Senior financial management mainly invests in financial products in the capital market, such as bonds and stocks, which has the characteristics of relatively high returns, large short-term fluctuations and relatively high risks. Licaitong divides such financial products into "advanced entry products" and "income products". The former mainly invests in assets with low risk such as bonds, and some products add some other investment varieties, such as convertible bonds and stocks, so as to obtain higher returns under the premise of controlling risks. Most of the latter invest in the stock market, which is a high-risk and high-return category with the growth of the market or efforts to surpass the market performance.