First, overcome gambling.
Investment is an anti-human thing, and we need to overcome "gambling". An investment with good results needs to be sustained and focused, with long-term planning, not the idea of getting rich overnight.
Take our investment in P2P as an example. If you focus on bonus hunter blindly and only see the benefits, you may eventually invest in a high-return storm platform, and the principal will be completely lost.
Second, the goal is clear
We should have clear investment goals and firmly implement investment discipline around these goals. For example, the yield of 10%~ 12% can double the wealth in more than six years under the effect of compound interest.
To achieve this goal, it is not difficult to invest through P2P. Even in many large platforms and second-tier platforms, it is feasible as long as the operation is proper and the risks are controllable.
Third, there are ways.
P2P invests in our own hard-earned money, and you must be responsible for your own money. Some people look at high-yield investments with their eyes closed. Some people listen to friends' introduction on how to do it well, while others only look at the surface and use what APP as the reason for investment. From the perspective of former finance, this is not a qualified online loan investor.
4. As a qualified online loan investor, you must do the following:
1, under the established revenue target, screen the platform in strict accordance with the standards.
The criteria here can refer to the online loan ratings of various third-party platforms as the preliminary screening criteria. In addition, you can also refer to some self-media platform libraries. The evaluation from Media V is more objective, and the actual reference value is greater than the online loan rating.
Step 2 make an assessment
How to evaluate, here are a few simple points.
(1), look at the background.
Is it listing or venture capital? Or state-owned assets and grassroots? General banking background, listing background, internet tycoon background and well-known venture capital background are preferred.
(2) Look at the team
Whether the team members have rich financial background or risk control background, and whether the team elite level is sufficient (related to moral hazard).
(3), look at the business
See whether the business is small and scattered, whether the information disclosure is transparent enough and whether it meets the regulatory requirements. On the other hand, it depends on whether the operation of the enterprise is smooth, whether it is profit or loss, and what is the capital inflow and payment of the platform?
(4) Look at safety.
Is there a guarantee company or performance insurance, or is there something hidden?
(5) Look at public opinion
Whether there is a fatal negative history, lack is better than abuse.
3. Diversified investment
Finally, if the amount of funds is large, appropriate diversification can be carried out. For example, diversify between low returns of large platforms and high returns of small platforms, with large funds obtaining stable returns and small funds obtaining high returns; Or in terms of the length of the term, part of the funds will be invested in the long bid and part in the short bid, which can not only improve the flexibility of funds, but also improve the rate of return.
Step 4 focus on activities
Another skill to improve revenue is to pay more attention to platform activities, rebate platforms and third-party promotion links. These channel activities (different from the wool platform) can generally get higher returns.