When purchasing, we should pay attention to the following:

Beware of misleading publicity

At present, the sales of traditional wealth management products are strictly regulated. When purchasing, financial planners will conduct risk assessment and risk warning for customers, and will also introduce the products in detail. However, online sales of wealth management products pay more attention to the safety and profitability of products, often diluting the warning of risks and easily misleading consumers. Investors themselves should strengthen their risk awareness and see clearly the contract terms and precautions.

Pay attention to the security of account funds

The security of third-party payment platforms is lower than that of bank accounts, and the risk of being stolen is relatively high. At the same time, online electronic certificate is generally not directly issued by financial institutions, but electronic deposit certificates issued by third-party institutions such as Alipay, and there is a risk of financial loss due to network security problems. Investors should be on guard against the loss of funds that may be caused by network security problems, beware of being "fished" and pay attention to the safety of funds.

Rational control of investment quota

Experts suggest that short-term products should be selected as far as possible when investing, preferably not exceeding one year. At the same time, the amount of each investment should not be too large, and it is best to control each investment within 1, yuan. When choosing a loan platform, we should try our best to consider the network platform with the background of large financial institutions, and it is best to have a third-party financial channel for supervision.

properly keep the "claim" documents

For online purchase of insurance products, experts remind that buying insurance involves the issue of future claims, so when you fill in the information online, you must pay attention to distinguish the information of the insured, the information of the insured, the information of the contact person, etc., and make sure that the information filled in is true and effective, so that you can check and receive the insurance policy and get the insurance payment in time in case of danger.

although it is a good thing for every investor to have wealth management products in e-commerce mall, they can choose and compare more wealth management products that suit them best, but buying wealth management products online is a new thing, and the supervision system in all aspects is not perfect, so investors must buy them carefully and guard against all kinds of wealth management risks.