Is it reliable to buy wealth management products online by yourself?

When purchasing wealth management products, investors should not blindly pursue returns and ignore product risks, but should establish a scientific and rational investment concept and enhance their own risk identification and prevention capabilities.

There are risks associated with any online lending platform, which are mainly concentrated in the following three aspects:

1) Credit risk of online lending companies.

Due to the small scale of capital flow, most banks do not provide P2P online lending companies with fund custody services, which provides some maliciously created online lending platforms with the opportunity to use lax fund custodians to commit fraud.

2) Operational risks under fierce competition.

As online lending platforms are often difficult to make a profit in the early days of their establishment, their operating costs are high, and the current fierce competition in the industry has prolonged the stage of "burning money", platforms that have been difficult to make profits for a long time will have to face the fate of closure.

3) Excessive leverage leads to market risk.

The Interim Measures for Risk Management of SME Financing Guarantee Institutions stipulate that the balance of the guarantee liability of the guarantee institution shall generally not exceed 5 times of the paid-in capital of the guarantee institution, and the maximum shall not exceed 10 times. However, it is the norm in the industry for the guarantee ratio of online lending companies to break through the 10-fold warning line, and once systemic risk occurs, large-scale defaults will bring down the online lending platform.

How to judge the advantages and disadvantages of P2P financial products?

1.Certainty and self-selectivity of the flow of lent funds.

2.The borrower's ability to collect credit information and the degree of punishment for default.

3.Technical level of personal credit risk management.

4.Bad debt rate.

5.Form of guarantee and degree of risk protection.

Investment is risky, and the good and bad are good before investing.

Just choose the right platform, I am a professional financial planner.

There are risks. There is a certain risk in buying wealth management products, and the general return and risk are equal. If you want to buy a wealth management product, you should first understand the risk ** and risk level of the wealth management product, and choose a wealth management product that matches your risk tolerance.

Generally, the risk of ordinary bank wealth management products is relatively small, but there are also high-risk bank wealth management products, so we should pay attention to the choice.

Users choose bank wealth management products in order to obtain higher returns, therefore, high yield has also become a trump card for banks to promote wealth management products and attract users' attention.

In order to attract customers, banks often deliberately exaggerate the benefits when selling wealth management products, and many staff members will verbally guarantee the expected returns when explaining to customers. In the publicity, the bank will emphasize that the similar wealth management products issued in the past have achieved the expected returns, so that customers will have psychological expectations of the returns and regard the expected returns as actual returns. The actual situation is that there are many structured wealth management products that do not achieve the expected returns, and some even lose the principal.

Beware of turning wealth management products into insurance! According to statistics, 30% of users are misled when buying wealth management products and regard insurance as a wealth management product. The sales staff of many insurance companies will sell insurance products in the bank, and the staff of the bank will also sell the insurance products they sell to users.

As the saying goes, financial management is risky, and investment needs to be cautious. However, the safety of wealth management needs to be assessed from the way of purchasing wealth management and the risk level of the product itself.

1. There are many ways to buy financial management, and it is necessary to choose formal and reliable ways to ensure the safety of financial management, such as banks, ** companies, trust companies, insurance companies, Alipay, WeChat wealth management, etc.;

2. There are many wealth management products, the risk level is directly proportional to the level of return, to ensure the safety of financial management, it is best to choose zero-risk and low-risk wealth management products with guaranteed capital or principal and interest, such as bank large-amount certificates of deposit, structured wealth management products, time deposits, etc.

Summary. Money management is really reliable. Financial management is real, but investors need to judge for themselves and manage money prudently. Financial management is how to manage property, that is, to plan it reasonably.

Is money really reliable?

Money management is really reliable. Financial management is real, but investors need to judge for themselves and manage money prudently. Financial management is how to manage property, that is, to plan it reasonably.

The average person's financial management is to calculate their current income and future savings, and then reduce irrational consumption. But in fact, the meaning of financial management is to use money to make money, and spending excess money on things other than personal life needs is financial management.

It can't be said to be absolutely safe, but it is relatively stable and reliable. Although according to the requirements of the new asset management regulations, no future wealth management products can promise to guarantee principal and interest, including bank wealth management products. However, not promising to guarantee principal and interest does not mean that wealth management products have great "risks", nor does it mean that bank wealth management is unreliable or "risky", mainly depending on the risk level of the assets invested behind the product.

Is it credible? We must treat online wealth management products differently. Neither can we overturn a boatload of people with a single rod, nor can we judge the good or bad of the whole from the good or bad of the individual. How to judge the credibility of online financial products? Which online wealth management products are worth investing in?

Investment value judgment of online wealth management products

To judge the value of an investment, it is first necessary to judge the platform on which it is issued. Be sure to understand the basic information of the online banking platform, such as the time of establishment, business license, business philosophy, registered capital, platform model, etc. Generally speaking, the greater the operational strength of the platform, the higher the registered capital of its online wealth management platform.

The higher the education level of the operation team members and the longer the experience in the industry, it is also an important factor affecting the quality of online wealth management products.

Second, understand how online wealth management products are protected. Generally speaking, credit loans are riskier, and the mortgage and guarantee models are safer.

Third, understand the risk control of online wealth management products. Risk control is the key to judging the quality of online wealth management products. The two aspects of judging the merits of an online wealth management product are mainly the risk assessment when the loan is approved in the early stage, and the other is the timely follow-up investigation of the platform after the loan, and the regular understanding of the borrower's economic status to reduce the risk of overdue.

Having said all this, I believe you have a certain understanding of whether online financial products are credible. In general, whether an online wealth management product can be trusted or not depends first of all on the choice of a good online wealth management platform, and secondly, on the transparency of the online wealth management product, such as the expected annualized interest rate of the product, the use of product funds, the product repayment plan, etc.

According to your personal risk level, you can purchase the corresponding level of wealth management products.

According to the current situation in China, the current wealth management products can be divided into five categories in terms of risk level, from R1 to R5, the larger the number, the higher the risk level, and the greater the risk. Stable wealth management products belong to the risk level of R2 and below in terms of classification.

R1 products are often referred to as principal-guaranteed wealth management products, such as bank deposits, treasury bonds, etc., with very low risk and relatively strong principal protection. R2 level products are stable products, to this level, the product will no longer protect the principal, but the risk will not be very high, which means that the product has bond ** and some bank wealth management and so on.

If you are a prudent investor, it is not recommended to buy wealth management products with R3 and above, because the probability of their principal loss is relatively high. Although the potential profit will be higher, once you incur a loss, it may be more than you can afford.

Buying wealth management products is not necessarily reliable.

Now the wealth management products are all net worth, which is equivalent to **.

In the first half of this year, bank wealth management products lost quite a lot.

Hello this friend, the current bank's wealth management products are not guaranteed principal and interest, and there are certain risks.

There are risks in financial management, and you need to be cautious in investment!

To invest in a wealth management product, it depends on whether the company is reliable and whether the product conforms to the investment logic.

Make a decision based on returns, risks and liquidity!

Now with the changes in society, many people have some spare money to invest. As a result, there are also people who want to make money through investment. However, recently, many friends have discussed asset management online, is online asset management really reliable? Or is there a lot of risk involved in online asset management?

Is online asset management reliable? This question is probably the most important. As a result, the risk of online investment asset management is now widespread, and sometimes all the money is defrauded, so online investment asset management is unreliable and brings risks, let's take a look at the biggest risks.

Four major risks of online asset management.

1. Illegal and disorderly competition: Some network companies even do not hesitate to pay subsidies in order to attract people's attention. The Measures for the Administration of Investment Sales clearly stipulate that sales agencies engaged in sales activities shall not engage in sales activities, such as rebates or sales in kind, insurance, and shares.

Yields advertised in some currencies** are representative of historical performance only. Investors must understand that the return of a currency** is related to the movement of money market interest rates, which is subject to change, and cannot simply be based on historical performance.

2. Insufficient risk protection: many first-class asset management products advertise the full guarantee of insurance companies, such as Baifa advocates that China's investment and financing guarantee is guaranteed by Baifa. However, investors should still pay attention to the security of their accounts.

It is not uncommon to report losses of funds not being paid due to lost accounts. Investing large amounts of money still needs to be cautious.

3. The risk of the asset management platform itself: the risk of the online asset management platform itself, whether the platform is formally operated, whether the business license is formal, whether the business scope is legal, whether it is absorbed, whether the loan, whether the transferred creditor's rights are true and valid, and whether the user funds such as the housing loan of the personal customized P2P platform are managed by the bank.

4. Technical risk: Due to the online trading of Xu Wei's multi-** asset management, the network security of the investment platform and the investor itself is a double test, in addition to the above-mentioned account loss problems, but also facing the technical reasons of hackers and the platform itself, facing the security of funds.