What are the principal guaranteed types of wealth management products?

When choosing a good platform and good financial products, colleagues who pay attention to income also need to pay attention to the risk control of the platform.

Principal-guaranteed wealth management products can choose the following concentrated investment methods:

1. Bank wealth management products.

The risk of bank wealth management products is very low, but the return is too low, basically similar to no return, and the deposit bank has not been able to beat the CPI index.

2. Baby financial products.

Baby financial products are still very good for lazy people, but the recent interest rate ** is also very fast, but Yu Bao is more convenient than bank wealth management products.

3. P2F financial management.

Also known as P2F model, P2F financial management, and P2F finance, it is a new Internet financial model. P2F refers to person-to-financial institution, a financing model from an individual to a financial institution. P2F is the safest model, the financier is a formal bank, **, insurance and other financial institutions, financial institutions have complete risk control measures, can ensure the safety of funds and the stability of income.

The annualized rate of return for investors is roughly 7-9%, and the safety is much higher than that of general P2P and P2B products. At present, some well-known P2F platforms such as Chaobao, Mutual Finance Exchange, etc., are good choices.

Pure hand hitting, looking.

Generally, it is **, bills, relatively stable, the income is much higher than the bank, I have been buying Changyu Financial's bills** The income is very good The investment starting point is also very low.

The current financial products are not easy to say, like the beginning of Yue Bao was very popular, and I now use Zhongli.com, with stable income and low risk.

The choice of financial products depends on the strength of the platform, and the overall effect of Zhongli.com, which I invested in, is not bad. The platform is safe and secure.

1. Time deposit: After the bank's fixed deposit expires, the user can withdraw his principal and interest.

2. The interest rate of demand deposit is low, but there will be a little interest every day, but it is relatively small.

3. Yu'e Bao, Alipay's Yu'e Bao is principal and interest guaranteed, and it belongs to the currency**.

4. Change Pass, when the funds are placed in the change pass and are not used, you can automatically earn income.

5. Principal-guaranteed wealth management products issued by banks, such as those of China Merchants Bank, etc., all major banks have principal-guaranteed wealth management products in this regard.

Extended Materials. The so-called guaranteed principal and interest is actually the platform's commitment to protect the safety of investors' principal and income. However, this is only a promise, if the platform itself cannot operate, then investors will also bear their own losses.

In fact, China's financial laws and regulations clearly stipulate that financial products are not allowed to promise to guarantee principal and interest, but many platforms will claim that their products are guaranteed principal and interest in order to attract investors. Anyone who has done investment and financial management should have the understanding that any investment has risks, even if it is recognized as the bank with the highest safety factor, but the risks are large and small.

Take online loan ABC as an example, the existing business model of online loan ABC is guarantee and mortgage. This model refers to the introduction of a third-party guarantee company to guarantee each loan, or require the borrower to provide certain assets as collateral, so that it is no longer a credit loan. If the guarantee company meets the requirements of compliance operation, the pledged assets are properly selected and easy to liquidate, and the risk of investors under this model is low.

In particular, the mortgage model has room to decline due to its strong risk protection ability. However, due to the introduction of guarantee and mortgage, the process of loan business is longer, and the speed may be affected.

From the perspective of risk control, mortgages, especially real estate mortgage P2P products, have always been the most trusted financial choice for investors. Especially under the premise that the central mother has dropped again, but the interest rate of personal housing provident fund loans is still strong, which means that real estate mortgage P2P products have ushered in a better development "opportunity". After all, the hot property market will make real estate further become a sought-after collateral in the investment and financing market.

Therefore, the investment popularity of P2P real estate mortgage projects with high-quality real estate as collateral will heat up significantly.