I. Characteristics of fund products
1, low investment threshold.
For investors with limited capital such as employees, if everyone holds a fixed salary of 50,000 yuan, excluding daily expenses, the remaining amount per month may be 2,000 or 3,000 yuan. The entry threshold for basic information ports of banks is relatively low. At present, the subscription threshold of most Public Offering of Fund is 65,438+00 yuan, which I believe everyone can afford.
2. Strong liquidity
At present, the trading rules in Public Offering of Fund are mostly T+ 1 mode. Investors who are used to Man Cang can redeem the fund T+ 1 the next day if there is a sudden cash flow demand in the near future.
3. Risk factors
Buying a fund can directly reflect the profit and loss of its ups and downs. For the newly introduced small white users, many people will not be able to bear the impact of principal loss. They choose to sell the fund at a loss, thus determining that the fund is unreliable and not worth investing. At this time, the general psychology of Xiaobai users is more common.
Although the risk of capital is not as high as that of stocks, the risk coefficient of stocks is not low according to market conditions and external economic influences. Funds are indirect investments in stocks, so the rise and fall of funds and stocks have a direct impact.
Second, wealth management products
For prudent investors, the risk coefficient of regular wealth management products is relatively low, which is a good investment choice.
1, wealth management products are closed.
The main feature of wealth management products is that they have a closed period, and different products have different closed periods. For example, if you buy a wealth management product with a fixed term of 365 days, you need to redeem it after 365 days from the date of purchase. Therefore, when purchasing regular wealth management products, we must make clear the trading rules. Once most regular wealth management products are sold, they cannot be redeemed in advance.
2. Risk factors
The risk coefficient of regular wealth management products is slightly lower than that of funds.
Whether it is a fund or a wealth management product, any product has its own characteristics. If everyone can bear different risks, the investment direction will be different.