Is the income certificate of the brokerage firm guaranteed?
Not necessarily. There are two kinds of income vouchers: principal guarantee and non-principal guarantee, but non-principal guarantee is very rare. Ordinary income vouchers are principal-guaranteed, which are divided into fixed income and floating income, as follows:
1 fixed income category: capital preservation+fixed income
Guarantee the principal and pay interest to investors at the agreed rate of return at maturity.
2 Floating income category: capital preservation+fixed income+floating income
In addition to the principal and lower fixed income, you can also get floating income. The floating income is related to the performance of the underlying assets. The more the goal rises, the more the income will be.
Benefits of income vouchers:
1, high security and low risk. As mentioned above, the possibility of bankruptcy of securities companies is not high, and the risk is still very low with their credit as guarantee.
2. Good flexibility and many time limit options. The term of income voucher is flexible, including 1 month, 3 months, 6 months, etc. You can even customize and choose a lot.
3. The investment threshold is relatively low. A lot of 50 thousand yuan can start voting.
4. Low cost. Generally, there is no need to pay fees, such as management fees, most of which are 0.