There are some basic principles for choosing a wealth management company:
1. This wealth management company is formal. Don't just watch its propaganda, you can go directly to the local people's bank for consultation. Formal wealth management companies should file with the local people's bank. If there is no record, be careful, there is a great possibility of cheating money. . In the past few years, illegal fund-raising or pyramid schemes were all in the name of wealth management companies. For example, in front of the residential area where I live, there used to be a physical store with a "covered network" (what is this? You can have a look at Baidu, which is very famous), and it is annoying to advertise among the owners of our community every once in a while. Then it closed in less than half a year.
2. Look at the benefits of the other party's commitment. . The current rate of return is not too high. If the other party dares to promise 10% or higher, then you should also be careful. Now the economic situation is not good, so many formal bank wealth management products can't be so high. How dare an ordinary wealth management company say so high? This wealth management company is very likely to be suspected of illegal fund-raising or fraud.
3. Financial management is risky. You should choose the right variety, and you can't just listen to the oral propaganda of the financial management company. . The higher the rate of return, the greater the risk coefficient of wealth management products, and the higher the possibility of not breaking the cost. With such a high interest rate, even a regular wealth management company can't achieve 100% capital preservation. Moreover, if you invest in wealth management products and buy a black swan, you will really lose everything.
4. If it is really unclear, it is recommended to deposit it directly in the bank. . This is the most retarded way. . . During this period, the yield of wealth management products of banks has been very low. The yield of R2 wealth management products of many banks I consulted is basically the same as that of three-year time deposits, even lower than the interest of three-year time deposits. This is my choice now. . .
5. Pay attention to insurance wealth management products. . . This product is a pit. In fact, it is to turn your financial income into his own premium income. If you want to quit within the specified time, you can't even keep the principal. After a certain period of time, you will get benefits, but the benefits are far lower than those of simple financial management. . Because the difference is that you are paying the insurance premium to the insurance company. . Therefore, unless you are very optimistic about this product (for example, you want to save some insurance premium), you can consider it. . However, this kind of insurance is limited by various names and is not a panacea.