Coincidentally, the income of some private equity products in the past year is -99.75%, and the current net value is less than 0.0 1! This means that investors who buy with 6,543,800 yuan may eventually lose less than 6,543,800 yuan.
1 10,000 yuan lost to only 50,000 yuan.
Recently, the story that a blogger bought a private placement for 6.5438+0 million yuan to 50,000 yuan caused a heated discussion on social media.
CSI contact the blogger to understand the situation. She said that on 20 18, she bought the fund products of a private equity company called Lushi Assets: "At the time of buying, their account managers claimed that their products had a good performance in the past, and when the income was high, they could reach 20%-30%. They also vowed that as a subsidiary of a large financial group, even if the fund performed poorly, the group would provide the lowest income of 8%. "
What the blogger didn't expect was that one year after the product expired, the account manager only returned her principal plus interest of 50,000 yuan, with a loss of nearly 950,000 yuan!
She asked why, and the company replied: She invested in an overseas stock and was delisted, resulting in a serious loss of fund assets. With the thunder of the group, the previously promised 8% revenue also vanished.
In addition, according to the blogger, some other investors who bought the company's products in the same period or later even invested 6.5438+0 million yuan and only recovered 6.5438+0 million yuan.
Beware of high risks
Coincidentally, in recent years, the situation of blood loss in private placement is not uncommon, and many investors can only swallow the bitter fruit according to the principle of investor conceit.
According to the data of third-party platforms, there are not a few products with performance losses exceeding 70% in the last year, and even some products have been established for many years, with a net value of less than 0.0 1 and a revenue of -99.75% in the last year! This means that investors who buy with 6,543,800 yuan may eventually lose less than 6,543,800 yuan.
Industry insiders suggest that private equity funds are risky, unable to protect capital and income, and need investors with certain risk identification ability and affordability to buy them. Be wary of any salesperson's "bottoming out" rhetoric.
There are hidden worries behind the hot sale of private equity.
Since last year, with the booming A-share market, fund products have performed brilliantly, and private placement sales have gradually warmed up. Since the beginning of the year, many new private placements have been snapped up by investors, becoming a "second light" explosion, with sales reaching billions or even tens of billions. Many small private placements have been promoted to the ranks of intermediate private placements.
However, due to the complex composition and opaque sales of private placement products, it is easier to breed illegal activities. Investors should keep their eyes open when buying. Insiders suggest that you should pay attention to the following aspects when purchasing private placement products:
First of all, it must be purchased through formal channels, such as banks, brokers and other consignment channels. These channels often go through very strict steps when entering products, which is equivalent to helping investors to conduct a screening.
Secondly, be sure to buy products that suit your risk preference. If your risk appetite is not high, you should carefully choose high-risk products such as private placement. In addition, when selling products, we should be wary of high return induction or bottom-up performance commitment.
In addition, the overall management scale of private fund managers, to a certain extent, also shows the market recognition of them, which can be used as a reference.
Private placement supervision is strict according to law.
A partner of a medium-sized law firm in Beijing said that in the above-mentioned incident, the salesperson violated the rules and promised to protect the principal and income.
In addition, in the operation of private fund raising, the most common violations include: failure to perform the "specific object determination" procedure, failure to perform the "investor suitability matching" procedure, and raising funds from unqualified investors; Private equity funds fail to file, occupy or misappropriate fund property, and conduct improper or illegal related transactions. As needed.
With the improvement of private placement supervision system, the administrative punishment and supervision of illegal private placement are increasing day by day, and the trend of strict private placement supervision according to law is obvious.
2002118 China Securities Regulatory Commission issued "Several Provisions on Strengthening the Supervision of Private Equity Funds", which strengthened the supervision of the private equity fund industry and formed "Ten Prohibitions" for private equity fund managers and employees, including standardizing the enterprise name and business scope of private equity fund managers, strictly supervising group private equity fund managers, firmly holding the bottom line of private equity funds to qualified investors and strengthening the practice behavior of private equity fund managers.
Related Q&A: Related Q&A: Is it safe for private equity funds to invest in financial management? There are many traps in the current financial market. Investors often say that they have been cheated and point out that investment is not the safest way. So, is private equity investment safe? What's the point? Introduce it to everyone!
Is private equity investment safe?
The content of the private equity fund contract is complex, and there are great differences between different products, so many investors will have such doubts: Is the private equity fund safe? Investors need to read the trust contract carefully and understand the key terms.
1) Investment threshold-whether it can be purchased. The minimum subscription amount of most private equity products is 6.5438+0 million yuan, and some big-name private equity funds range from 2 million to 20 million yuan. If you have only 6,543,800 yuan in financial assets and have not reached the subscription starting point of big-name private equity funds, you can choose Sunshine Private Equity TOT Fund.
2) Additional investment-it is related to how you invest more assets to enjoy the benefits of the fund. Usually, the trust contract stipulates that investors can add private equity funds, and the additional funds are at least 654.38+million yuan, an increase of 654.38+million yuan. For example, investors can pursue funds of 565.438+10,000 yuan. However, some contracts stipulate that the additional funds should be at least 654.38+10,000 yuan, and it should be an integer multiple of 654.38+10,000 yuan. For example, investors can pursue 500,000 yuan. Additional funds are calculated according to the net value on the subscription date.
3) Cost-it is related to the income and cost of the future fund. The expenses of Sunshine Private Equity Fund mainly include: 1% subscription fee (one-time charge outside the price); 1.5%-2%/ year fixed management fee; Floating management fee is 20%.
4) Closed period-related to the liquidity of your assets. Most private equity funds have redemption closed period and quasi-redemption closed period, in which the redemption closed period is generally 1-6 months, during which redemption is not allowed; The closing period of quasi-redemption is generally 6- 12 months, during which redemption is allowed, but a redemption fee of 3% is usually required. However, it is necessary to pay attention to the start date of the closure period. Most trust contracts stipulate that the start date of the closed period is the effective date of the trust plan, that is, the purchase opening day is the start date; A few trust contracts stipulate that the start date of the closed period is the establishment date of the trust plan, that is, the establishment date of the private equity fund.
5) The scope and limits of investment-it is related to your right to know. From the perspective of investment scope, it generally includes stocks, bonds, funds and other wealth management products permitted by law. Some products with more radical design can also invest in margin financing and securities lending, and investment warrants.
Whether private equity investment is safe or not should have two meanings:
First, private equity funds are invested in millions, and then increased by integer multiples of 654.38+ millions. Because the investment amount is relatively large, private equity funds need to be filed with the fund industry association and can be found. It's a lie not to say anything if it's not on the record.
Second, excluding this illegal financing, the second meaning refers to the operational risk of private equity funds. This means that the investment target of private placement may be poorly managed, leading to investment failure. This will appear. Private placement is a kind of investment with floating income, which may lead to multiple growth and losses. This requires you to choose a good project and a good fund manager.
Generally speaking, the income of excellent private equity funds is indeed much higher than that of Public Offering of Fund.
Through the above introduction, is private equity investment safe? What's the point? I believe you already know, more financial investment knowledge, please continue to pay attention!