What should be paid attention to in the selection of wealth management products

Risk: No matter which financial product you choose, you must take into account the problem of risk, generally we will choose the stable type, to put it bluntly, it is to protect the capital, this is generally the choice of the bank's currency**.

Purchase Threshold:

In the past, the starting limit of many wealth management products was 50,000, which is prohibitive for people who have just worked, and they cannot be used at all, so we need to find those that do not limit the starting amount or the starting amount is relatively small.

Redemption: The most important thing to buy financial products is redemption, to consider whether the redemption requires a handling fee (some handling fees are relatively high, and there is not much left after deducting the handling fee for the little benefit you earn), and the redemption will take a long time to arrive, which is what we usually call T + several (T + 0 means that the day arrives).

Whether the earnings are received in real time:

Many people buy financial products and put them aside, which is very wrong, you have to look at your money regularly, to see if your income is in real time, if not, to find the problem in time to find the relevant personnel to solve.

The merchant behind this wealth management product:

The most important thing to buy a wealth management product is that the boss behind it is reliable, if you don't know the basic information of the merchants behind this wealth management product and the merchants, then don't start easily.

Netizen comments: Good financial products, many people will use, many people will share on the Internet, so you might as well find some of these information on the Internet, follow the footsteps of the public to choose is generally right.

It is recommended to take a look at Bee Cast.

Although the procedures are a bit troublesome, every investment has a reward, and the expected annualized expected return is higher than that of the deposit, and the term is more flexible. Before there is no better investment channel, buying wealth management products is my first choice. Mr. Lin, a citizen of Nanning, said.

There are all kinds of financial products in the market, and from time to time, banks, insurance companies and enterprises on the street hand you financial product recommendation sheets, and even telephone poles are full of colorful financial advertisements. Wealth management products have entered people's lives, so how do we choose the one that suits us among the many financial products? Be sure to pay attention to the following aspects:

The first is the calculation method of expected annualized expected rate of return. For example, some wealth management products advertise that their historical expected annualized expected rate of return is 9%, and the expected annual expected annualized rate of return of another product is 7%, but in fact, the former product uses an 18-month expected annualized rate of return at maturity, and if it is converted into an adult expected annualized rate of return, it is only 9% 12 18 = 6%, which is not higher than the latter product.

Generally speaking, the historical expected annualized expected rate of return of wealth management products is relatively high, which refers to the expected annualized expected return of wealth management products under ideal circumstances, but the market is rapidly changing, and the historical expected annualized expected rate of return is likely to be difficult to achieve in the end. However, although the annualized expected rate of return of some wealth management products is not high, the risk is almost zero, which can basically be achieved. The minimum expected annualized expected rate of return is generally low, but on top of that, there is some potential for profit.

Second, the liquidity of wealth management products should be considered. If you buy a wealth management product with a longer term, you should pay attention to whether it can be terminated (redeemed) or traded early, as well as the handling fee ratio, and whether the bank provides pledge to ensure that it can be realized in time. At the same time, the expected annualized interest rate risk should also be considered.

The third is to use live financial management methods. There are 13 types of investment methods for financial management, namely savings, bonds, real estate, foreign exchange, antiques, calligraphy and painting, insurance, lottery tickets, coins, stamps, and jewelry. However, according to the principles of legality, security, liquidity, and profitability to be followed in financial management, the most optional family financial management methods are bank savings, bonds, real estate, insurance, and several others, and the key is to use them.

For example, savings and financial management should be short-term, focusing on convenient access and withdrawal; **Financial management focuses on expected annualized expected returns, and should have long-term plans.

Choose the right product and reliable company for you.

You have to understand the fact that money is becoming less and less valuable.

In fact, we must have a correct understanding of investment and financial management, investment and financial management is not a concept, investment will be invested to earn income, financial management is to manage their own finances, in order to achieve financial preservation and appreciation. 、

Many people's misunderstanding of investment and financial management is because many informal institutions or fraudulent institutions, worried about losing money, worried about being deceived, in fact, we must first correctly understand the risk, in fact, even if the money is deposited in the bank, there is a certain risk at home, such as the bank's interest rate falls, or improper management, and it is lost at home. In fact, these are risks, but the risk will be much smaller, but the income will be less, in fact, it is still a loss of money, which is to introduce a concept, the inflation rate, that is, the rate of change in prices, the price is **, how much pork can be bought for 100 yuan 100 years ago, how much can you buy now, if you put 100 yuan in the bank ten years ago, can you still buy things that can be bought if you take it out now?

No matter how much your assets, in fact, investment and financial management are necessary, want to increase your own money, the way is to open source and throttle, open source is to increase income, throttling is to reduce their own expenses, if their work income is fixed, then find a way to increase other income, the best way is to manage money and investment, more money in the process of income will be more obvious, less money will not be so obvious, in fact, with the existence of a bank.

There are many people who are worried about losing money, worrying about risks, in fact, this involves more professional investment experience and investment philosophy or something, if you are worried about these, you can find a special institution, such as a company, a professional company will provide professional financial planning and investment advice according to the customer's own actual situation, tailored according to the customer's intentions, and some companies will have a dedicated account manager to provide one-to-one service to customers.

In fact, if you want to make your life better, financial management and investment are very necessary, you can invest in real estate before, but now the state controls housing prices, the investment of the real estate industry is not high, and the state encourages investment, and good investment and financial habits will be better for the future, such as pension, than into the children to go to school, such as travel planning, through their own investment and financial management can completely solve or reduce the related pressure.

If you see this and have some ideas, you can send me a private message, I can provide a professional tailored asset analysis and financial plan for free, to help you have a clearer understanding of your assets, as well as some investment advice and some related planning or something.

If you want to take some risks, you can choose financial products with relatively high interest and higher interest and great risk, on the contrary, choose principal-guaranteed financial products.

Before managing money, you need to know whether you belong to the aggressive or conservative type, the aggressive type can choose**,**, the conservative type chooses**, and the volatility is smaller

When choosing financial management, you should comprehensively consider the profitability, risk and liquidity, and choose the right product according to your own needs and goals.

A: Expected return, maximum drawdown, investment risk level.

Friends, this is mainly to look at your actual situation and the safety of the investment platform!

Except for bank deposits, there is no principal protection. Yu'e Bao is not principal-guaranteed, but it has not lost money for so many years.

I really recommend that you allocate 100,000 yuan to buy **, 20% of the currency**, as a liquid asset, you can take it out at any time if you need to consume in your daily life, 30% of the fixed income +**, this is more stable, you can't make a lot of money, but you won't lose much, about 8% of the target income a year.

50% can buy some hybrid**, a little high yield, the greater the probability of holding a positive return for a long time. To be honest, ** investment may be the most suitable investment for ordinary people.

Take a look at the Shake Sound Wealth and Wealth Ninizi and learn the best investment knowledge together.

1. Investment direction: which market the raised funds are put in and what financial products to invest in will determine the size of the product risk and whether the returns can be smoothly realized.

2. Yield: Yes or cumulative yield, whether it is a pre-tax rate of return or an after-tax rate of return, different yields may correspond to different final returns.

3. Liquidity: During the existence of wealth management products, purchasers generally cannot terminate them in advance; A small number of wealth management products can be pledged, but they must pay a fixed handling fee and interest.

4. You should first assess your own risk tolerance level and avoid one-sided pursuit of high interest and ignore risks.