How to buy trust products
1. Choose a trust company with good reputation.
Investors should seriously consider the trust company's integrity, financial strength, asset status, historical performance and personnel quality, so as to decide whether the trust products issued by the trust company are worth buying.
2. Estimate the degree of trust.
At present, most of the trust products on the market have determined the investment of trust funds in advance, so investors can predict the success rate of the project through factors such as the industry, the stability of cash flow and the market situation in a certain period in the future, and then predict the profit prospects of trust products. .
3. Investigate the strength of the guarantor of the trust project.
When choosing trust financing products, we should not only choose products with strong financing strength, but also examine the strength of the guarantor of trust projects. Generally speaking, although the income of trust wealth management products guaranteed by banks and other financial institutions will be relatively low, their safety factor is higher.
What is the process of purchasing trust products?
The professional financial planner of Qianjing First Trust Network will analyze the process of purchasing trust products for you.
Purchase process
1. Investors can learn the latest information of trust products through the first trust network.
For interested trust products, investors can learn more about the project content and investment risks through online consultation or telephone consultation. You can make an appointment through the first trust network after you decide to buy. Appointment implementation? Amount first, amount equal, time first, when the amount is full? The principle of.
2. Confirmation and payment
At the expiration of the recommendation period, after the investor confirms the subscription share, the funds will be directly transferred to the trust account opened by the trust company for the trust plan, and the first trust network will never contact the investors' funds.
3. Sign a trust contract
After the client pays the money, he signs a trust contract and related texts with the trust. When signing the contract, the client must provide the trustee with the original bank transfer voucher, trust interest transfer account, identity certificate and other materials required by the trust company.
4. Issue certificates of rights and interests
After the trust plan is established, the trust company will issue beneficiary certificates within the agreed time after its establishment.
Strong professional knowledge in asset allocation (trust, investment), and do your homework before making investment decisions; Or you can seek the help of professionals, after all, there are specialties in the industry.
▍ Three misunderstandings have been avoided.
What if it was a few years ago? Fund fever? That? Trust fever? It has become a new phenomenon in financial management in recent years. The author believes that in the rush to buy trusts, investors should keep a cool head and be careful to go astray.
One of the misunderstandings: Is trust suitable for everyone?
Just as the people of the whole country snapped up funds in those years, there are many elderly friends among the trust investors now. Some marketers say that trust products are suitable for all ages. In fact, compared with ordinary bank wealth management products, most trust funds are invested in enterprises that are difficult to obtain bank loans due to policies, mortgages, interest rates and other issues, so their risks are higher than those of bank products. Although the income of trust is relatively high in recent years, there are also some problems, such as insufficient liquidity, inability to terminate the investment in advance, and the investment period of trust is generally 1? Three years. Therefore, elderly friends with weak anti-risk ability and certain requirements for liquidity are not suitable for buying trust products.
Myth 2: Is the trust's rate of return as high as possible?
It is also a big misunderstanding that some people buy trusts with high returns. Generally speaking, the higher the rate of return, the greater the risk. For example, the annual income of real estate trust can reach 1 1%, the annual income of industrial and commercial enterprises 10%, the annual income of restricted shares 9%, and the annual income of listed tradable shares 8%. Relatively speaking, the high-yield real estate trust is definitely not as safe as the pledge of tradable shares, and the premise of high-yield is to bear high risks. Therefore, buying a trust depends not only on the rate of return, but also on where to invest, what the collateral is, and what the mortgage rate is, and then choose the products with corresponding income according to your risk tolerance.
Myth 3: Are all trust companies the same?
At present, there are 68 trust companies in China, including central enterprises, banks, local governments and listed companies. Which are controlled by large central enterprises? Medium? Because of the strong background of shareholders, trust companies are relatively safe. The net capital of a trust company is very important. According to the requirements in the Measures for the Administration of Net Capital of Trust Companies, the net capital of a trust company shall not be less than 300 million yuan, 65,438+000% of the sum of various venture capitals and 40% of its net assets. Therefore, trust companies with large net capital and relatively stable investment should be taken as one of the important references.