He looks obscene, his speech is ambiguous and his expression is similar to constipation. When he talks about investment, he always talks about risks, with a cold expression and listless spirit. At first glance, he is overwhelmed by the pressure of life and work. Investment managers who can't guarantee your rate of return are generally the best in the industry.
Straight suit, successful career, boasting, eloquent. I always tell you the macro trend, and my self-confidence is in a mess. The world pattern and industry trends follow his mouth. It's the leather bag company that makes a real effort to ensure the return rate.
2. How to distinguish between regular fund companies and shanzhai fund companies?
In official website, there are a lot of information disclosure documents. For products with obvious types, the monetary rate of return cannot exceed 5%, and the rate of return of stock funds is negative. After reading it for a long time, I don't know how to choose which one to buy ... Basically, it is a regular fund company.
Official website's homepage has a 24-hour online consultation window, and the customer service has been asking if you want to consult. The people who want to pay are basically cottage fund companies.
3. How to distinguish between formal financial products and cottage financial products?
Often, the risk information on the leaflet takes up a whole page, and there are no extreme words such as "best", "best" and "best" in the propaganda words. The photos of fund managers and investment managers are extremely "passers-by", but the products with good paper quality and exquisite printing are often the products of formal financial institutions.
The publicity page is paper, printing is cheap, and the whole product promotion is words such as "cow", "god", "national level" and "AAA level". In addition, the biggest highlight is the rate of return: it is difficult to kill all the existing wealth management products! Please be careful.
And share a few tips-one is "AAA credit rating", which is actually a propaganda joke. Many AAA credit companies in the financial services industry are issued by pheasant institutions such as XXX Institute and XXX R&D Center, and hundreds of pieces are posted on Taobao. There are four bond rating agencies in China, namely Dagong International, China Chengxin, United Credit and Pengyuan Credit.
Fund Jun once again said that the yield of products in the wealth management market is naturally stratified-cash management is second, and it is extremely difficult to exceed 3% at present; Trust rate of return is hard to exceed10%; Securities and stocks are invested in the world, and the returns are relatively uncertain. Don't blindly believe in unreasonable rate of return. A precious metal exchange launched "Rijinbao", with a daily interest rate of 3.7%, close to 14% annualized, which once made the whole financial practitioners tremble with fear.
4. How to distinguish between formal trust companies and shanzhai trust companies?
In official website, there are basically a lot of announcements and information disclosure, and there is no product yield. Occasionally, party and government construction is basically a formality.
Official website has a clear positioning and actively promotes itself as a state-owned enterprise and a central enterprise. His name seems to be very big and super awesome. He has relations with countries and large institutions, and also has a 24-hour online consultation window. This kind of liar has a high probability.
5. How to distinguish between formal private placement and cottage private placement?
In the first quarter, the risk of illegal fund-raising by private equity funds involved 573 million yuan, involving investors 1774 yuan.
Please believe me, formal private placement bosses naturally have a halo, such as white Armani, which is generally invisible unless they are super rich.
If it's just diaosi, a great man who claims to be a master of private equity investment asks you to help you manage your money, please refuse him.
6. How to distinguish between regular P2P companies and cottage P2P companies?
Those who have already advertised for X-Vision, advertised for Baidu, and marketed for one month or more than one million, the leading figures continue to attend major forums, diligently promote the company, and actively participate in every Internet financial forum. Basically, they are regular P2P companies that have no accidents.
All the accidents happened to the shanzhai P2P company.