Which bank is better for investment and financial management, and how does it compare with P2P finan

How does bank wealth management compare with P2P wealth management?

What are the advantages and disadvantages of bank wealth management products compared with P2P wealth management products? It can be said that the positioning of P2P wealth management is customer income, while the positioning of bank wealth management is stable. So the types of investors they are suitable for are different.

1. Yield.

At present, the average income of bank wealth management products is about 8%-12%, and the income of P2P wealth management is about 8%-12%. It can be said that the gap is still relatively large, if the one-year cycle is calculated, 50,000 yuan of money invested in bank wealth management products and P2P wealth management products, the principal plus interest after the bank expires is about 5,200 yuan, and the principal plus income after the expiration of P2P is about 5,500 yuan. Obviously, if the people's money is stored in the bank or buys the bank's wealth management products, the income of the wealth management products will be less than that of P2P wealth management products in a year.

2. Security.

Bank wealth management products are mainly divided into two categories: fixed income products and floating income products, which have always been considered to be a more secure way to manage money. Because the product is managed by banking professionals through diversification, hedging and other means, on the premise of ensuring the safety of funds, the operation and operation mode of which is already very perfect, the general public will think that the approval of the national team bank is very strict, and the bank's reputation is higher than that of other financial institutions. P2P has just completed its first anniversary of regulation this year, and the industry is moving from chaos to regulatory norms, which can be said to be far less secure than bank wealth management products.

If you are looking for a stable and fixed rate of return, it is best to choose non-structured products in addition to buying bank-operated products.

3. Ease of operation.

On the P2P financial management platform, ordinary investment users only need to invest directly according to the project income and term, and do not need very professional financial knowledge. Bank wealth management products can be purchased from the bank, or you can deposit money into the bank card of the purchased product and log in to your own wealth management account to buy, but bank wealth management products are not as simple and easy to understand as P2P, and you need to consult the bank wealth manager if necessary to choose and match.

4. User acceptance.

With the maturity of related businesses, banks will pay more attention to the quality and scale of wealth management products, rather than the number of by-income products. The scale advantage of the bank's capital chain is very obvious, and it is easier to understand the customer's capital status and play the role of "housekeeper" to manage the assets for users. A series of events in the early days of P2P have somewhat made investment users lose confidence, and users once talked about "P2P" discoloration.

5. Professionalism and objectivity.

Because the bank is in the eyes of everyone, they will think that bank wealth management is more professional than their own financial management, and that the bank's financial experts are more objective and will not always sell products to you. In fact, banks generally use the products of multiple companies at the same time, and select the most suitable one for customers, so that they can carry out services from a more neutral perspective. Most of the P2P products are products of their own platforms, and users sometimes think that they are not professional and objective enough.

At present, there are many ways for China Merchants Bank to invest in personal investment and financial management: fixed, treasury bonds, entrusted wealth management, **, **, etc., and the investment starting point of different products is different, and the corresponding risk level is also different. It is recommended that you visit our branches to consult the relevant advice of the wealth manager.

The risks are different, the benefits are different.

The bank wealth management is very safe, but the return is only 4% 6%. Now, although the rigid payment is broken, the slightly larger banks are basically fine, at least the principal is no problem.

P2P is different, the risk is much higher, and I often hear about which platform collapsed, ran away, and so on. That said, P2P has a principal risk. Because the risk is high, the return is also high, otherwise why buy P2P? P2P earnings are about 8% to 15%.

How do we do it? I think it depends on your risk ability, whether you can afford to lose, and if you can't afford to lose, go to the bank to manage money. Can you afford it?

I recommend that you choose a platform with medium returns, such as 10% to 12%, a platform with a history, or a strong one. Who can't afford to lose? The old man can't afford to lose, because if the pension money is used a little less, he won't grow.

Young people are different, and it's a big deal to go to Beijing and Shenhang to work. In addition, I can afford to lose spare money, so it's a big deal not to travel next year. And you can't afford to lose money for a certain purpose, such as the money you plan to use for renovations, or the money for your children's schooling.

In fact, if you can afford to lose, you can also go one step further and give up P2P to buy ****, I think the average income level in the coming year should be more than 20%.

Bank wealth management is relatively safe, and bank wealth management has a relatively low risk, but it cannot be ruled out, but there are almost no reports of loss of principal in bank wealth management.

There are many types of wealth management products of banks, including high risk and low risk, and the overall security is high. If the specific investment direction is not clear, if you have a local China Merchants Bank, you can contact the branch wealth manager to discuss financial matters.

The risk is proportional to the return, the higher the return, the higher the risk, assuming that the P2P interest rate is the same as the bank or only a little more, most people must deposit in the bank, so they have to return the high risk at a high interest rate in order to obtain a source of funds.

Hello, the income will not be much higher now, and now the stable platform annual interest rate is basically between, and there may be danger when the interest rate level of some platforms is too high, after all, the risk and benefit are proportional.

The income of P2P wealth management is higher than that of bank wealth management. Bank wealth management products are now generally 4%-5%, and the yield of P2P online lending is generally 8-16%, which is 3-4 times the income of bank wealth management products.

Many people don't understand why the bank's wealth management income is only 4%-5%, while many P2P can reach more than 10%. Some financial planners who are running for the safety of the bank want to switch to P2P, but they are worried that the risk of P2P is too high. Figuring out why there is so much difference between bank wealth management and P2P wealth management income is crucial to the rational allocation of financial funds.

To put it simply, no matter how high it is, P2P yields are determined by the market. In contrast, in traditional banks, both borrowers face high borrowing costs. The P2P platform, however, is a transaction between borrowers and investors, which not only improves operational efficiency, but also significantly reduces costs.

Most of the borrowers on P2P platforms are individuals or small and micro enterprises, and these borrowers cannot get bank loans for various reasons. However, P2P online lending has a low threshold, and in order to obtain financing, small and micro enterprises are willing to pay a higher cost of capital to obtain loans.

In contrast, the basic terms of bank wealth management products include income type, asset investment direction, currency, issuance period, etc., which all have an impact on the yield of bank wealth management products. In addition, factors such as month-end and quarter-end bank assessments, market interest rates, etc., will affect the yield of wealth management products issued by banks. This year, the main factors supporting the high yield of bank wealth management products have changed.

First, the new regulatory regulations and credit risk exposure have restricted the allocation of wealth management funds to high-yield non-standard assets, and the yield of wealth management products will depend on investment returns under the future asset management framework; Second, with the decline in the yield of money, the competitive pressure from alternative products such as Internet wealth management has been alleviated.

Bank wealth management products are now generally 4%-5%, the yield of P2P network lending is generally above 10%, and the income of my Paipai loan has reached 15%, and the income of Dianrong Network is also above 13%.

It is definitely higher than the bank's wealth management products! If you don't want to bother, you can choose a financial plan with an annualized rate of 12%-14%.

The most important thing is that the threshold for online lending is lower than that of banks' wealth management products.

Banks have relatively low returns on wealth management products.

At present, the average annual income can be about 20%, which is higher than the bank's wealth management products, but the biggest risk is the risk of the platform running away, so you will lose all your money, and you should pay attention to the choice of the platform. Go to the Internet to learn more**, I think P2P online lending is still a very good investment project, such as my Aifu Dad, Lufax and other places where the income is not so high, but the platform is guaranteed to invest, it is still good.

Strictly speaking, these two properties are different, the difference between ** and P2P is that one is to take the money to the ** company for unified operation, and the other is that you invest the money to a specific borrower. Of course, the differences in other investments include different regulations, different ways of return on investment, different ways of raising funds, different levels of transparency, and different risks to bear.

The key depends on what kind of investment method is suitable for you, and what suits you is the best. Choose an investment platform, what suits you is the best. It may be that some platforms are safer but have low yields, so it may not meet your investment expectations.

Some platforms have higher yields, but the background may not be too strong, and there is a fear that the risk is too large. Therefore, when choosing a platform, you need to choose according to your own situation. The most important thing to invest in P2P financial products is to grasp the risks, and it is recommended that you invest in multi-dimensional financial management to reduce investment risks.

Hope the above can help you!

**The return is uncertain, please choose according to your own risk appetite.

It's all good, I recommend Zhifu, I think it's still good.

Which is better, bank wealth management products or P2P?

1. Threshold for capital contribution: low P2P online loan channels and high bank wealth management.

The minimum purchase amount of bank wealth management products is high, most of them require a starting amount of 50,000 yuan, while P2P is very low, most of them are 100 yuan.

2. Annualized rate of return: P2P capital contribution is high, and bank wealth management is low.

According to data calculations, in the first half of 2014, the annualized rate of return of all bank wealth management products was, and the income of P2P channel capital contribution was clear and clear, taking the one-year period as an example, the lowest was 7% to 8%, and the mainstream channels with a slightly higher point could be more than 10%.

3. Handling fee: There are few P2P channels and complex bank wealth management projects.

Banks charge a variety of items such as handling fees, custody fees, and management fees, which virtually reduce a lot of income for wealth management investors. However, P2P online lending channels usually only charge a small number of top-up and withdrawal fees and service fees. There are even some channels that don't even charge withdrawal fees.

The charging content of the P2P financial channel is more simple and clear.

Fourth, the practicality of the project: P2P online loans are clear, and bank financial management is general.

When many bank wealth managers promote various wealth management products, most of them actually do not know the use of funds, how the income is linked, the dangers of the goods, etc., and the wealth managers sell in confusion, and customers are also confused. P2P online loan capital contribution requires the capital demander to provide real loan purpose and project information, and the funder can independently identify and select the loan project, so as to be clear and clear.

5. Liquid income: P2P liquidity is high, and bank wealth management is paid at maturity.

Most bank wealth management is a one-time payment of principal and interest, which leads to a significant reduction in the liquidity of funds, while P2P is different, P2P most of them choose the repayment method of equal principal and interest, and funds will be returned to the account every month. In addition, if you are in urgent need of money, most P2P channels have bond transfer services, which increases the liquidity of funds, and six, security: P2P security can be controlled, and bank wealth management seems to be safe but the security is not transparent.

A few days ago, the China Banking Regulatory Commission allowed banks to go bankrupt, which shows that even banks are not 100% reliable, and if the bank goes bankrupt, the funds for purchasing wealth management products will not be compensated! We don't know what the banks are using the investors' funds for. Therefore, banks may seem safe, but in fact they are also full of dangers.

Before investing, learn more investment knowledge, and try to choose a platform with a third-party guarantee, even if it is overdue, you will get the corresponding protection, but be sure to read the content of the guarantee contract. Learning some financial knowledge may not make you rich, but it can allow you to avoid pitfalls, avoid losing yourself is to make money, keep money and wait for opportunities, for people who are unwilling to learn, do not enter the **, ** market, and even do not invest.

The income of bank wealth management products is relatively low

P2P wealth management is a platform that closely combines online and offline, and then transfers funds to borrowers through third-party institutions. We can think of it as a bridge. Like Jiujiu Wealth, it is a kind of platform that is convenient, fast, safe and stable, which is the characteristic of P2P investment and wealth management platform.

So compared with other financial management models, what are the advantages of P2P financial management?

Let's PK a little bit about bank management.

In terms of revenue, the Internet financial platform has completely exploded bank wealth management. Taking Jiujiu Wealth Management as an example, the annualized rate of return of its one-year wealth management products is 13%, while the highest rate of return of the bank's products in the same period is 8%, which is 5 percentage points higher. You can also think so, bank wealth management + Yu Yu Bao = long-term wealth investment and wealth management products.

In terms of liquidity. Bank wealth management does not allow investors to redeem the principal in advance, even if you need it urgently, it is useless. The short-term investment and wealth management products of Jiujiu Wealth will indicate in the contract that they can be redeemed in advance, which will at most have an impact on the maturity income, but will not affect the use of funds.

At the same time, the wealth management cycle of Jiujiu Wealth's wealth management products is much lower than that of bank wealth management products, which is a major feature of P2P wealth management to allow funds to flow.

In terms of investment funds, the investment threshold for bank wealth management is 50,000 yuan, but there is almost no threshold for P2P wealth management. As long as you have a heart for investment and financial management, you can try to buy the platform's novice badge, 100 yuan. The amount of income is directly related to the principal, and the more you invest, the more you will earn.

From the perspective of security, although the bank's wealth management products seem to be good for enjoying the shade with their backs to the big tree, in fact, the bank wealth management is a lot of cats, and if you are not careful, it is very likely to be led astray by the business personnel. P2P financial management, like Jiujiu Wealth, not only insures investors' funds, but also provides investors with risk protection funds, minimizing the risk of investment and financial management.

Bank wealth management has been sticking to the financial market for many years, but on the whole, there has not been much change, but unfortunately, the financial market has been surging in recent years, and it is no longer the time for bank wealth management to dominate the party. Therefore, those who don't know how to manage P2P money can benefit from investing in financial management as soon as possible!