Suitable for the crowd: people who are older and have no investment concept at all.
The annualized income is 2~6% (the income mentioned in this article is annualized, which is the current market interest rate level).
Recommendation: The products of slightly larger commercial banks will be slightly higher than those of the four major banks, such as Shanghai Bank, Nanjing Bank and Hangzhou Bank. However, the products at the level of rural commercial banks have reservations. Although there is no bankruptcy risk of banks in China at present, with the maturity of financial markets, we have to guard against this systematic risk in advance.
Note: Be sure to read the product description clearly! ! ! I met a large number of clients who didn't know what wealth management products they bought, and what kind of insurance was the contract they finally showed me (unless you want to avoid taxes or have legal risks and other special circumstances, you are all stupid money owners and don't trust you to calculate your real income), and not a few funds not only have no income, but also lose money. Never believe what the bank teller says, it depends on the contract! ! ! The most important point is that not all banking products are guaranteed capital and interest! ! ! ! ! Basically, only time deposits can do it, and most banks don't guarantee principal and interest! ! ! ! I have met countless people, and the first sentence is, does your product protect the principal and interest? 80% of such customers will be directly abandoned by me, and it is almost impossible to communicate. Moreover, many products of the bank are only sold on a commission basis, and the bank does not bear any risks and responsibilities. The contract is clearly written, but few people read it. It's no use going to the bank at last.
To sum up, banks are not omnipotent. They can only say that the overall risk control is good, but they do not rule out the possibility of risks.
2.P2P financial management
At present, the industry that stands at the forefront, a popular star industry in other countries, has become the target of public criticism in China. From Pan-Asia to e-Rental, from Kuailu Group to Admiralty (some of them are not completely P2P products, so they are temporarily placed here), so many industry leaders have fallen, and the industry risks and crises have become quite serious.
Suitable for people: people with high risk tolerance and strong independent judgment.
Revenue: 6~20%? (There are not a few people who advertise more than 20)
Recommendation: P2P recognizes the platform very much, because there is almost no supervision, and the risk control ability of the enterprise itself determines the safety of the product. Yixing and lufax can be said to have created two P2P models, which are operating well at present. I am familiar with lufax personally. Backed by Ping An, it is said that it will be listed independently soon, and its scale has been declared to be the first in the world, with rich product types. Funds, insurance, private equity and other products have been connected and become a financial platform for all products. The product income of exclusive financial zone is between 4.5-7%, slightly higher than that of banks, and the term is flexible. Many products can be transferred after purchase, and can be purchased and redeemed flexibly on PC and mobile phone, which is more convenient. But I have to ask a few questions. First of all, the investment of products is unknown, which is a bit like a cash pool. The quality of some products with investment targets is really average. If it weren't for the word "safety", I wouldn't invest with confidence. The second is the bad debt rate. Although it has not been published, many people in the industry know that the bad debt rate in lufax is not low.
Summary: At present, the industry is risky, so it is not recommended to buy long-term products, let alone invest most of the assets. We must diversify our investment and choose a good platform to ensure good cash flow returns regularly. Don't touch those who are unable to resist risks. The XX wealth on the roadside is basically a scam. I'll treat you to dinner all day and give you something for your trip. I didn't know wool was on sheep. You look at other people's high returns and others stare at your principal. Even if I give you 20% every year, I will run away after two years of operation, and the cost will be cut by 20%. The boss will still earn 40% of your principal and get away with it. Please watch the news about the number of runners in a year. Basically, there was a runner when I wrote this article.
3. Baby products
Income 3~5%
Features: people with small amount and high demand for capital circulation.
Since Yu 'ebao has spread all over China, various families have rushed to launch their own XX products, which are basically current, and can be redeemed on the same day or T+ 1. Personally, it is the current surplus in Ping An Fortune, which reached 5% at the end of last year. It's down a little now. It is convenient to use small redemption for 2 hours, and it is not afraid to run away with Ping An Trust as an endorsement. There are still many current accounts in the market that can reach 7 or 8%, and individuals dare not try. Those who know how to do it can be introduced.
Summary: put the change in to play, mainly for fun, and see the income of a few dollars a day. Although I have seen millions put in baby products, I don't admire them very much. It's too wasteful.
4. Trust (6,543,800 yuan investment)
Revenue: 6-8% (individual products will be higher than 8)
Suitable for people: high-net-worth customers with low risk tolerance.
Brief introduction: From my experience in contacting customers in recent years, although the scale of trust industry has surpassed insurance and securities, it has become the second pillar of finance. But many customers still haven't heard of it, or have heard of it, and don't understand it at all. Get to the point: 1. Only 68 trust licenses have been issued nationwide, much less than banks. Trust license is the most expensive financial license. 2. Directly supervised by CBRC, which is in charge of banks and trusts. 3. Many trust companies have strong backgrounds, either the Big Four, Ping An and CITIC, or local governments, or big consortia like Zhongrong Trust. 4. Many people only know banks, so do you know that many banks just use your money to buy trusts, earn the difference, and do not take any risks. Except that the amount of funds is less than 1 10,000, large customers go to the bank to buy a wealth management result and invest in XXX trust plan. This behavior is really low-level. Although you told me that there is an extra bank with a bank's credit endorsement, please search the news specifically to see if there is a problem with the products sold by the bank and how the bank handles it. 5. The risk control is strong enough to be considered as rigid redemption. Anyone who has a detailed understanding of trust products will know the powerful risk control ability of trust products. Generally speaking, credit projects, real estate projects and enterprise working capital loans all depend on specific projects. Nonsense, for example, Wanda wants to buy a piece of land in the center of Shanghai, take10 billion land as collateral, then take Wanda's net assets with a possible value of10 billion as equity pledge, and then ask Ma Yun for unlimited joint liability guarantee. What if the project is broken and the principal plus interest is less than 3 billion? Very easy, sell the land first, and sell it casually if it exceeds this price. What if I can't? Selling Wanda, selling casually is more than this price. What if it doesn't work yet? Ask ma yun to return it. He has money. In case the land price in Shanghai falls by 65.438+0 billion, it can only sell for 65.438+0 billion, Wanda can only pay back 500 million when it goes bankrupt, and Ma Yun can only pay back 500 million when it goes bankrupt. Quite simply, trust companies are at the bottom, and their own funds are withdrawn. Tens of billions of trust companies' own funds are used to pay off bad debts. As far as I know, at present, the biggest bad debt in China is Qingdao Hyatt of Zhongrong, and finally Zhongrong returned the money to the investors. Afraid that the trust company can't afford it? There are so many shareholders in the trust company that they are all very valuable. Afraid that they will all go bankrupt? Four national bad debt companies took over. Still afraid? Then you'd better buy gold and keep it at home. When the trust company didn't arrive, it was basically the global financial crisis and the domestic financial market collapsed. At least for so many years, the trust scale of more than ten trillion yuan has not lost the principal of a product, and there are many deferred payments, but there is a penalty interest. As long as you don't use the money in a hurry, you won't lose money! You said your product was prepaid? No loss. It turned out to be 1 year 7% and 2 years 8%. You bought a two-year one and arrived early. You still earn 8% a year, more than 1 year! Therefore, apart from some liquidity risks, I personally think that trust can be regarded as a risk-free investment behavior, but it still depends on the project. You asked me that as long as it is a trust, I only need to pick the highest return. Is it because of rigid redemption? Of course not. In case of systemic risk, some products with insufficient risk control will still have problems. The security of credit information projects in Jiangsu, Zhejiang and Shanghai is absolutely leverage.
5. Asset management plan
Income 7- 12%
Introduction: In fact, asset management is a kind of trust, and many products are not credible, so we can only settle for asset management. Generally, they are products issued by banks, brokers and fund subsidiaries. It depends on the risk control ability of each family. All kinds of products are available. Please grasp it yourself or consult a professional.
Summary: the income is slightly higher than the trust, but the risk control needs to be grasped by yourself. Especially in the asset management of bank consignment, we must look at the product details in detail, and don't foolishly think that the products consigned by banks are safe. Please invest according to your risk tolerance.
6. Private placement fund (654.38+0 million)
Income 8~ 12, or floating income
Introduction: Many people think that private placement is risky and deceptive, and they invest in stocks. In fact, private equity fund is a big concept. Trust is also called sunshine private placement. Smile manually. Private equity funds have a wide range of investments and different strengths. Don't try it easily without certain product analysis ability. However, in the past two years, contract funds have become more and more popular, and more and more high-quality products are unwilling to pay high access fees to trust companies to choose contract funds. As I said before, although trust is the safest in terms of industry risks. However, Wanda wants to turn the above projects into contractual funds, and the risk control measures are as mentioned above. At the same time, there are various trust products on the market, and I will not hesitate to buy Wanda's contractual fund. As long as the project is excellent enough, sometimes the distribution channel is not a problem. Moreover, many projects cannot be issued as trusts, and asset management and contractual funds are the most suitable issuance methods. For example, a cultural industry fund in Peking University was recently dissolved, and all kinds of funds under strict control were shut out, that is, it developed into a contractual fund with higher income than trust. Why not invest?
Summary: See the project objectives clearly, define the investment structure, and prevent the risk of misappropriation of funds. People who can invest in this field don't need to read my profile, just come and discuss the products with me.
7. Investment in property rights
Income: floating income, giving you a dream
Introduction: At present, PE products are becoming more and more popular, especially some popular enterprises such as Didi Taxi, iQiyi, LeTV and Bona Film. These are either the return of China Stock Exchange, domestic IPO or backdoor listing. Although they are restricted by the CSRC, they can also paint a beautiful dream for us.
Summary: Direct investment in these enterprises, purchase of their equity, and exit at a high price after listing are the profit models of equity projects. According to China's enthusiasm for new shares, as long as it is successfully listed several times, it should not be a problem. 40%, 50% or even 100% annualization promised by the project party is entirely possible. However, we should also be prepared for the unsuccessful listing. In the end, how to get rid of it and realize it depends on the enterprise qualification of postgraduate entrance examination. It is also necessary to study the situation of enterprises in detail, analyze the possibility of listing from all levels, see if the project has guaranteed repurchase, and clarify the capital structure. However, I would like to make a small point here. If you see the equity products on the market and say that they are finally listed and withdrawn, but the funds raised are contractual funds, there is basically a problem with asset management. Because such funds have to be retired from listing, only limited partnership structure can invest in equity. This kind of project is complicated, and each project has its own characteristics. Investors who want to gamble with high returns can discuss with me. Just recently, they took several good targets in their hands.