Since 20 13, it has a huge user base, but it is essentially a money fund, and its income has been declining with the changes of the market. Of course, there are many similar baby wealth management products on the market, such as Alipay's Yu 'ebao, WeChat's wealth management, JD.COM Treasury and so on.
2.P2P financial products
P2P wealth management products also began to rise from 20 13, because the threshold is low and the income is high (much higher than the baby's income). However, behind the rapid growth, there will inevitably be some problem platforms, especially some platforms that cause high risks in the industry. Therefore, when choosing to invest in P2P wealth management products, we must choose a good platform.
3. Crowdfunding
Crowdfunding is a mode in which the public jointly raises funds for a creative project. It is a mode of raising project funds from netizens by means of group purchase and pre-purchase. Crowdfunding is also operated through crowdfunding platforms. First, people who are creative but lack funds launch projects on crowdfunding platforms, and then supporters invest in the projects. This investment threshold is also very low, as long as you like or are interested, you can invest.
4. Virtual currency
In a sense, virtual currency is more subversive than any form of internet finance in the past. In 20 13, the virtual currency represented by bitcoin soared from 100 yuan to 8000 yuan in just a few months. Although it was heated up, it also fell sharply.
5. Bond financing
Bond is a kind of securities, which is generally issued by large institutions, and the interest is determined in advance, which has a good circulation function. Many people can accept this kind of securities, especially treasury bonds, so many people manage their finances in this way.
6. Stock financing
Shares are part of the capital of a joint-stock company and can be transferred, traded or mortgaged at a fixed price. It is the main long-term credit tool in the capital market, but the company cannot be required to return its capital contribution.
7. Fund management
Fund is a collective investment form that collects the funds of many investors by selling fund shares, and is managed by fund custodian and fund manager, sharing benefits and taking risks in the form of multiple portfolios. Since the fund is managed by professionals, investors don't need to spend too much energy on it. Moreover, fund managers can easily invest in various forms with concentrated funds, which is also impossible for ordinary investors.
8. Foreign exchange financing
Foreign exchange is a payment voucher expressed in foreign currency for international settlement. Including: foreign currency, foreign currency deposits, foreign currency securities (government bonds, treasury bonds, corporate bonds, stocks, etc.). ) and foreign currency payment vouchers (bills, bank deposit vouchers, postal savings vouchers, etc.). ). Investors make profits by trading in foreign exchange through the differences in exchange rates of various currencies.
9. Insurance financing
The mysterious name of insurance financing is to win some benefits for yourself through insurance products. The preliminary knowledge of insurance business provides some guarantees for people's lives. However, in recent years, insurance companies have successively launched some insurance wealth management products, which allow investors to enjoy interest while sharing dividends, but also have certain protection functions.