The investment threshold is 6,543,800 yuan.
The investor's personal financial assets are not less than 3 million yuan.
The average annual income of individuals in the last three years is not less than 500,000 yuan.
In other words, if someone asks you to invest hundreds or even hundreds of thousands in the name of private placement.
Don't believe it, it must be a trap!
On how to avoid the risk of investing in private equity funds, Tao Ge summarized the following three points for your reference.
First, we should do what we can.
Private equity investment has the characteristics of high risk, which requires investors' risk identification ability and risk tolerance. The Measures for Private Placement also clearly stipulates the requirements for qualified investors of private placement funds. Except that the investment of a single private equity fund is not less than 6,543.8+0,000 yuan, the unit net assets are not less than 6,543.8+0,000 yuan, the personal financial assets are not less than 3,000,000 yuan or the average annual income of individuals in the last three years is not less than 500,000 yuan. Investors should proceed from their own reality, do what they can, judge whether they can invest in private equity products according to the standards of qualified investors of private equity funds, and then choose products that match their risk tolerance on the premise of meeting the standards of qualified investors.
Second, we must make clear the details.
Only private fund managers registered in the fund industry association according to law can raise funds from qualified investors. Investors are advised to know whether the institution has been registered in the fund industry association through the website of the fund industry association before buying private equity products, and it is forbidden to buy through illegal channels. At the same time, you can also learn more about the past performance, market reputation and integrity norms of private fund managers.
Third, look at the contract carefully.
Fund contract is an important document that stipulates the rights and obligations between investors and private fund managers. Investors are advised to pay attention to whether the contract conforms to the Guidelines for Private Investment Fund Contracts issued by the Fund Industry Association, whether the rights and obligations stipulated in the contract are reasonable, whether the contract is complete, and whether there are abnormal situations such as missing pages. Read the terms carefully and ask the fund manager to explain or explain the concepts and vague expressions he doesn't understand, and don't be confused by all kinds of exaggeration and false propaganda. For multiple contracts, it is also necessary to check whether the contents of each contract are completely consistent. In addition, we should pay special attention to the illegal fund-raising of company C in case 2, which is covered with the cloak of "financial innovation". When investors buy wealth management products through the Internet platform, they should carefully read the relevant product introductions, and know whose products they bought, with whom they signed the contract, where the funds were allocated, and the specific investment. If you find any abnormality, you should consult the fund industry association or the regulatory department in time.