What newcomers should pay attention to when investing in P2P to get started, learn, and improve

The first thing to know is the terminology of this industry.

01 Expected annualized rate of return:

The annualized rate of return is calculated by converting the current rate of return (daily, weekly, and monthly) into an adult rate of return, which is a theoretical rate of return, not a real rate of return that has been obtained. If calculated in terms of days, the formula is:

Annualized rate of return = [(investment income principal) investment days] * 365 100%.

If the annualized rate of return is converted by month, the calculation formula is:

Annualized rate of return = (1 month's investment income principal) * 12

02 Actual rate of return: The ratio obtained by dividing the actual return by the principal amount after the maturity of an investment.

03Investment Period: The period from the start of the investment to the predetermined investment date.

There are a lot of industry terms in this category. And then there's the little practice. Practice makes sense.

Speed Cat Financial Management Strategy 1: While spending money every day, you have to learn to keep accounts, generally now you pay with Alipay, and you can make your own accounts according to the expenditure records every day. Now there are a lot of such bookkeeping apps, you can also make a record of your daily expenses in the next bookkeeping software that suits you, and then see after a while which daily expenses can be avoided and try to avoid them in your later life.

After a while, you'll find that you'll be able to save a sum of money every month.

Speed Cat Financial Management Strategy 2: While saving money, you can learn some financial knowledge without delay, you can first understand the most basic Alipay products to understand how the so-called annualized interest rate is calculated; After that, you can slowly look at the P2P platform with a low threshold, see what kind of platform is more suitable for investment now, how to calculate the approximate income of financial products, and whether there will be additional fees in the middle, which are very doorways. Theory can never compare with actual operation, P2P platforms are generally 100 pitches, you might as well try the water and experience it in practice.

Speed Cat Financial Strategy 3: When you save the first 50,000 yuan in your life, you can plan to invest. But there is one thing to keep in mind when investing:

Diversify investments and avoid risks; Find the investment style that's right for you. You can focus on a few platforms you believe in to invest in, or you can choose only one platform, but when choosing only one platform, you must remember that you can't invest all your money in it. The good rider falls from his horse, the good water drowns, the good drinker gets drunk, and the good fighter dies.

Be sure to leave yourself a way back.

Answer]: First, we should pay attention to the security of financial products. When choosing a product, don't be carried away by the high rate of return, you should put safety first, and the income should be second.

Second, before choosing a wealth management product, you must be familiar with the platform. It is necessary to read the product manual carefully to find out the term of the product, the direction of investment, etc. In this way, we can ensure the safety of the funds buried in the reed to the greatest extent.

If necessary, you can use a small amount of money to experience the operability of the platform beforehand.

Third, whether the subject information is complete. A qualified subject matter should contain at least basic information such as title, description, purpose of loan, total loan amount, repayment method, annual interest rate, loan term, bidding period, etc.

The more detailed and transparent the information, the more trustworthy the subject will be.

Fourth, look at the soft power of the investment platform. Any investment is risky, so how to manage assets is equivalent to what kind of basket you put your eggs in. That is, on the premise that the conditions of this target are very in line with themselves in all aspects, it is necessary to see whether the platform is a powerful platform and whether it can take certain risks.

1. Safety first, don't blindly pursue high returns.

In order to attract investors, many new P2P platforms often launch targets with high returns, with an average annualized return of more than 20%, or even more exaggerated more than 30%, people who have investment experience know that high returns also mean high risk, and there is no 100% safe financial project in the investment field. At present, the yield of the P2P financial platform is relatively reliable within 15%!

Second, the amount of investment is less and then more.

Just invest in a platform, can not ensure that the platform is not safe, maybe the platform is not very comprehensive understanding, so just start to invest, try to invest a little less, you can first invest about 1000 to test the water, and invest in the short-term standard, if the platform experience is good, the next investment can be considered to increase the amount of investment.

3. Carefully screen "shop around".

Up to now, there are more than 1,000 P2P financial management platforms in normal operation across the country, and you can screen from multiple channels before investing, such as the platform navigation of online loan home and online loan Tianyan, check whether the relevant platform is settled and the relevant data rating, compare several platforms, and then find some platforms like Fang Yi Loan that have been online bank depository and adhere to the positioning of information intermediaries. You can also check the enterprise information of the platform to see whether its registered company has relevant business qualifications in the financial industry. You can also go to the search engine to see if there is any negative news about these platforms, etc.

Fourth, pay attention to Internet finance and learn more.

For novice investors, try to pay more attention to Internet finance, observe different P2P financial platforms, go to financial forums, learn financial skills, join some investment and financial management, and see what others are discussing.

Fifth, the subject matter of the platform is best dispersed in small amounts.

In a sense, if the P2P platform can ensure that each loan is small and scattered, then it can prevent the rupture of the capital chain caused by the overdue and rejuvenated bad debts of a certain borrower to a certain extent.

There is no such thing as the best objectivity, only the best in the true sense is the best for yourself, avoid the herd effect, many big platforms have a bunch of bad debts, and you can't afford to appeal if it's overdue, give the following suggestions:

1. Be wary of P2P online lending platforms that frantically smash advertisements.

At present, the benign operation of the platform, in order to give more profits to investors, the handling fee charged is not high, which also causes the platform income is not very high, and if the platform is crazy to smash advertising, its legitimate income.

It is difficult to cover this part of the marketing cost, so when encountering this kind of platform, remember not to invest rashly, and consider making a move after a year of observation. For example, the investigated and punished "Zhongjin Department" not only sponsored a blind date program on a satellite TV in Shanghai.

Meet on Saturday", but also through online publicity, offline promotion, etc., to the public to illegally absorb funds, because the income can not cover the cost, or the deceived funds are not enough to pay the interest and promotion costs, and finally lead.

Break the capital chain. If there is a state-owned or listed company as an endorsement, the credibility of this platform may be higher.

2. Carefully screen the borrower's information.

To judge a platform, it is necessary to have a comprehensive understanding of the platform from the aspects of establishment time, paid-in funds, business capabilities, and strength background. Enterprises with short establishment time, high returns, self-financing, and capital pools need to be vigilant. It is best to be able to conduct a field visit, which is how I was when I first chose Murongbao, spot check some subject details, understand the background of the borrower, investigate the borrower's background, business status and cash flow, and look at the loan contract, red book, notarial certificate, payment records, etc.

I really don't have the conditions to go to the field, so I entrust a reliable local investor or friend to investigate.

3. Don't get carried away by the ultra-high yield.

Industry insiders warn that when seeing P2P products with too high yields, especially P2P products with yields between 20% and 30%, they need to be more cautious. To understand the operation of the entire platform, through what channels to obtain such high returns, at present, P2P projects are mainly concentrated in real estate, foreign exchange, etc., you need to comprehensively consider whether it is possible to achieve such a high return, do not invest rashly, otherwise it is very likely to lose all your money.

4. How does the platform protect risks?

Even banks have a certain bad debt rate, which shows that no matter how perfect the risk control system is, it will still be exploited by some people. It's just that the bank is large enough to cover this part of the bad debt. Then for the platform, bad debts are even more inevitable.

Then, whether the platform has enough funds to guarantee this part of the bad debt is a factor that investors need to pay attention to.

5. Be alert to risks**.

Nowadays, many browsers will have timely reminders for security risks. For some problematic investments, the public will pop up a security alert in the browser when visiting, warning investors that this is dangerous**. Therefore, paying attention to browser alerts and updating computer and browser versions in a timely manner is also one of the ways to effectively protect your own interests.

Recommend mortgages such as mutual loans, I think it's still good.

In the past few years, there will be a lot of informal platforms, a lot of thunderstorms, recently the regulatory authorities have become more and more forceful, requiring compliance processes such as three reductions must be filed, most of the platforms will be cleaned up, and the rest is still relatively safe, but it is only relatively safe, and do not put eggs in the same basket, just put deposits in different banks is a reason. The following is the basic judgment to judge the compliance of a platform, if a P2P platform does not have all these compliance requirements, it must be the best problem, it is best not to vote.

1. Whether the information is transparent enough;

2. Three certificates, that is, bank depository, ICP telecom value-added business license, level 3 classified protection.

The three certificates are the qualification certificates for the entry of the online loan industry, just like the catering industry needs to have a business license and a health permit.

3. Complete the rectification of 108 regulatory rules.

For example, it is forbidden for the platform to set up financial plans, prohibit the mismatch of the term, prohibit the sale of trusts, asset management, banking, foreign exchange, etc., prohibit the docking of gold exchanges, etc.

Choosing the right platform is the most important thing.

Be optimistic about the other party's qualifications, preferably a large platform, a platform that sits for a long time. Prudence and prudence. Hope it helps.

Be careful not to vote.

Our country is in the process of banning this industry.

Invest in the bank.

It is advisable not to invest anymore.

Many pieces of the scalp have burst, so this piece of investment is very risky, and for the sake of safety, there is still no need to reinvest.

Novices investing in P2P financial management must first choose a good P2P financial management platform, stay away from problem platforms, and then diversify their investments to minimize investment risks. To ensure the safety of the principal to the greatest extent, novice investors can first test the water in a small amount, inspect the platform, and there is no problem, and increase investment.

1. Don't blindly pursue high-yield platforms.

The annualized rate of return of P2P platform products is generally maintained between 12% and 18%, and if the annualized rate of return exceeds 18%, there will be greater difficulties in the flow of funds on the entire platform, which will increase the investment risk, especially those platforms that promise an annualized rate of return of 30% or 40%, which is to use high yield as bait to attract users to invest, and then run away with the money.

2. Shop around and choose a reliable platform.

For novices, when testing the waters of online loan products, they are often confused by the platform's activity benefits, advertisements and other information, and they do not know how to correctly identify the platform's risk control measures and platform information. If you have the above confusion when choosing an online loan platform, you may wish to choose through the following criteria:

There are state-owned assets, listings, banks and other backgrounds, and one of them can be used as an investment alternative; The online bank depository system is a hard threshold, which can reflect the comprehensive strength of the platform and avoid the capital pool; There are collateral that can be quickly realized, such as housing loans, car loans, etc., among which the mortgage is the best.

3. Diversify investment and reduce investment risks.

Investing in online loans is also risky, so don't put all your eggs in one basket when investing. Plan well before investing, invest funds in different platforms, and diversify investment risks, even if there is a problem with one of the platforms, the funds of other platforms can be safely recovered, so as to reduce losses as much as possible and avoid risks.

4. Start with small scattered targets.

In a sense, if the P2P platform can make every loan small and scattered, then it can prevent the rupture of the capital chain caused by the overdue and bad debts of a certain borrower to a certain extent.

5. The principle of investing less first and then more.

Xiaocai fan financial management reminds that for the first time to test the waters, it is recommended to choose a target of about 1 month or a novice target for direct investment, through which you can understand the platform's risk control ability and whether the fund collection is timely. When the investment is successful, we will increase investment from other channels, such as third-party online loan portals and other further platforms.