Pay attention to online purchase of wealth management products;
Beware of misleading propaganda
At present, the sales of traditional wealth management products are strictly regulated. At the time of purchase, the financial planner will conduct risk assessment and risk warning for customers, and will also introduce the products in detail. However, the transaction of wealth management products sold online pays more attention to promoting the safety and profitability of products, often diluting the tips on risks and misleading consumers. Investors themselves should strengthen their risk awareness and see clearly the contract terms and precautions.
Pay attention to the safety of account funds
The security of third-party payment platform is lower than that of bank account, and the risk of theft is relatively high. At the same time, online e-certs are generally not issued directly by financial institutions, but by third-party institutions such as Alipay, and there is a risk of financial loss due to network security problems. Investors should be alert to the possible loss of funds caused by network security problems, beware of being "fished" and pay attention to the safety of funds.
Reasonable control of investment quota
Experts suggest that when investing, try to choose short-term products, preferably not more than one year. At the same time, the amount of each investment should not be too large, and it is best to control it within 1 10,000 yuan. When choosing a loan platform, try to consider the network platform with the background of large financial institutions, and it is best to have a third-party financial channel for supervision.
Keep the "claim" documents properly.
In view of the online purchase of insurance products, experts reminded that the purchase of insurance involves the issue of future claims. Therefore, when filling in information online, we must pay attention to distinguish the insured information, insured information, contact information and so on. , and specify in detail. At the same time, you must ensure that the information you fill in is true and effective, so that you can check the insurance policy in time and get insurance compensation when you are in danger.
Although it is a good thing for every investor to have wealth management products in the e-commerce mall, and you can choose and compare more wealth management products that are most suitable for you, buying wealth management products online is a new thing, and the supervision system in all aspects is not perfect enough. Investors must be careful to buy and guard against various financial risks.