Do you know what kind of financial management method you should never touch?

There are a variety of wealth management products on the market, it is recommended to invest through formal channels, if you have relevant needs, Ping An Bank has launched a variety of wealth management products to meet the needs of investors, the expected returns, investment directions, and risks of different wealth management products are different, and they are divided into principal-protected wealth management and non-principal-protected wealth management according to whether the capital is guaranteed.

People with a little spare money in their hands, average risk tolerance, and lack of experience in financial investment cannot touch high-risk products such as foreign exchange and private wealth management. Take ** as an example, margin trading, leveraged games, and the amount is large, and a lot of **** will cost tens of thousands. If the leverage is too large and encounters a ** mutation, it will let you liquidate your position in minutes.

Money is really just a number at this point. **Yes, you can participate appropriately. Because there is a limit on the price limit, and there are a few thousand dollars to enter the market, beginners may wish to try.

At present, it is a good time to be in the doldrums. Of course, some indices and currencies can also be initially tried.

Financial management that everyone should not touch: P2P products with questionable qualifications, high claims of interest (annualized rate of return of more than 8%), and risk-free capital preservation. On the one hand, there are very few financial products in the market that can give an annualized rate of more than 6%.

Former Finance Minister Lou Jiwei once said: "Financial management with an income of more than 6% is **" is not unreasonable. In the past few years, P2P ran away frequently, and after the rectification, it is now a little better, but there are still many such financial management companies in the market that like to fool aunts and aunts, please be cautious.

The kind of income that is particularly high, it will definitely be doubled in a year, and the money still enters the platform that is not subject to the compulsory supervision of the CSRC (** and ** other than the platform), and it is basically for the principal. In fact, if the principal is not strongly regulated, the principal risk of any investment is very large and may be swept away at any time. For example:

P2P, Private Placement**, Forex Hang Seng Index Black Platform, etc.

I've been insured for seven years, but I've only been on the insurance company's computer for six years. I took a seven-year policy inquiry and it turned out to be the cause of the computer upgrade. It was later corrected.

That's the benefit of investing in official money. Don't argue or quarrel to find out. I've also been investing for 19 years.

No problem, safe and secure and make money. Anyone who invests for a long time, there is no one who does not make money, and he must make some money. To say that it is not profitable is to tell a lie.

I've also had a dead deposit and nothing has happened. Generally speaking, there is no problem in investing in official wealth management. It can be said that it is 100% assured.

In addition to the investment of official financial management. Don't think about anything else. ‍‍

Financial management that does not conform to common sense must not be touched! There are various forms of wealth management products, and different returns have different risks, so as long as you have enough risk tolerance, you can consider buying them. However, some financial management does not conform to common sense when you hear it, and this category should never be touched.

What is not common sense? For example, it is advertised to obtain a 10% annual rate of return without prompting risks; For example, this product invests in technology that can change human beings, and you can become a multimillionaire after investing in 5 years; Another example is that there is a 100% guarantee, absolutely no problem.

Financing and financial management, the interest income is particularly high, and there was a financing company here that said: how much you invest, the final harvest is doubled. In fact, it is not possible to harvest so much money, and the company will reduce the customer's income for various reasons of "the final interpretation right belongs to the company", and many financing companies have just received the customer's money and then absconded with the money, and the customer will regret it later.

Lending and financial management must not be touched, and his roommate participated in lending and financial management, but the other party did not repay the money, and even went to the court. It feels like the loan really can't be touched.

In China, products with an annualized yield of more than 36% are not protected, and those who can achieve this income are generally private lending, so why is there such a high return? Because private lending uses a daily or monthly interest rate, and it is an interest calculation method of rolling interest. Behind the high interest rate is a sign of high risk, and in the era of low profits, there is no borrower who can double the income in a year.

The probability that private lending will not recover its costs is extremely high. ‍‍

Although private lending is extremely profitable, because its most well-known is the "rolling interest" interest calculation method, but behind the usury is often high risk, try to ask the borrower, what kind of business to engage in, in order to achieve a high interest rate every year? Therefore, many borrowings often end up overdue and unable to repay. The probability of private lending is extremely high, you value other people's income, and others value your principal.

Previously, the Ministry of Commerce of the People's Republic of China had issued a statement saying that it had never approved any institution to engage in spot trading. Therefore, at present, some domestic spot trading systems actually have no official qualifications. These platforms often use the form of "counterparty disk", the more investors lose, the more the platform earns, in this case, it is difficult for investors to obtain normal returns, and sometimes even lose money. ‍‍

**It is inherently high-risk, especially in the bull market, many people are easy to lose their minds, increase capital allocation**, **** profits, **** time, also**, there is nothing overnight. There are many tragedies of bankrupt family and suicide.

I often say to my friends that the bank is higher than 6% of the wealth management is risky, there is a risk of losing the principal, we don't buy, we ordinary people buy 4%-5% of the money products on it, this is a low-risk product, in the past, it was commonly known as the bank's capital protection products, and the country did not allow the use of the word capital protection in the bank's sales.

Wealth management products above 6% are risky, not I said it, it was my relatives at the bank who told me.

So why is the ordinary 4% or so wealth management products said to be low risk, the bank's commercial loan is about 7%-9% points, each bank will have high-quality customers, the bank can give us 4 points of interest, and we must earn more than this, so the probability of these money earned back is very large, and Nianbi and the bank will lie down to earn about 4 points.

So why is 6% interest risky, the bank will not give us a job in vain, ordinary commercial loans can no longer meet the bank to pay us these interest, then we can only look for more advanced projects, we all know that investment is profitable and loss-making, so more than 6% of the projects are medium and high-risk projects, and the probability of losing the principal is also increasing a little bit.

The most typical is that when the hidden model lending platform was just popular, there was the bank's capital into it, and the interest given by the lending platform to the bank was 10-13 points, so there were many wealth management products of more than 6% in the past, and the bank also made about 6 points, and this part of the uncontrollable risk is very large, and there are many accidents later.

The above is just a selection of the two most common "leek" tools, I hope friends in investment and financial management to keep their eyes open to avoid being harvested. For investment and financial management, you must treat it rationally, if your risk tolerance is weak, then choose a more stable bank wealth management product or currency**. If you have a lot of spare money, good psychological quality, and strong ability to resist risks, you can choose some high-yield and high-risk projects such as **, private equity**, **, etc.

If you do it well, you can double your assets. Of course, I don't recommend friends to buy unfamiliar investment and wealth management products. For example, in the recent Bank of China ** Bao liquidation incident, the customer not only lost the principal, but also needed to pay twice the amount of funds to close the position, and the voice of grievance continued.

Not to mention the final outcome of their final handling with BOC, at least it can also reveal that most customers did not understand the rights and obligations of the product when they signed the product agreement. Regardless of the final outcome, this time is a lesson for blind investors.

If you don't know how to invest, you can plan as follows: disposable funds monthly income - monthly minimum expenditure (rent or mortgage + food expenses, must be calculated according to the minimum standard). Then 2 bank cards are marked, card 1:

Emergency card, depending on the situation, save 2-100,000 yuan, and then lock the card, such as non-cancer, car accidents, bankruptcy and other emergencies, never use, and do not have to save more money in the future. Card 2: Fixed deposit card, which adopts the method of fractional deposit and withdrawal, and deposits about 60% of disposable funds every month.

In general, it is not withdrawn) Yue Bao: Put in the monthly minimum expenditure + 40% of the remaining disposable funds every month, which is generally used to improve life, socialize, and spend less if you can. However, I usually don't use the amount of Yue Bao for consumption, but use Ant Huabei, and then use Yue Bao to repay the money on the repayment date.

Now that everyone is investing in financial management, we must know to improve our awareness of risk prevention, especially to change the financial management concept of "guaranteeing principal and interest". Because, since the official implementation of the new regulations on asset management, all capital-guaranteed wealth management products in the market will be withdrawn, and the past era of handing over money to banks and starting to be the shopkeeper is gone, and banks will no longer bear risks. Wealth management products should be determined based on their own risk tolerance and preferences.

For example, if you are a prudent investor, it is best not to get involved in those high-yield and high-risk financial products. Just like **type** or index**, mixed ** and other products with high risk appetite.

Some financial institutions or individuals have caught the legal gaps and studied some financial products, in order to defraud the principal of financial management, using high interest rates to illegally raise funds, and finally not only did not have interest but the principal was gone; A series of financial management methods such as Ponzi **, foreign exchange fraud, fake wealth management cases, and illegal fund-raising cases are illegal and deceptive.

Compared with the traditional, the Internet is currently more popular with the domestic people, especially Internet baby products such as Yu Yu Bao have opened a new era of financial management for many financial novices. Most salaried people transfer their salaries directly to Yu'e Bao for financial management as soon as they are paid. As a currency**, Yu'e Bao has the characteristics of "quasi-savings" with high liquidity, low risk and stable income.

Ideal for those who are new to investing.

Wealth management products have different styles, and the risks are divided into high-risk, medium-high-risk, medium-risk, medium-low-risk, low-risk, and other products; In the same way, the degree of risk that everyone bears is also different, according to their own risk level and ability to choose the financial management method that suits them, so the financial management method that suits them is the best financial management, and the financial management method that is not suitable for them should not be touched;

Investing in wealth management products can first cultivate your own financial habits, and at the same time, learn financial knowledge and improve your financial management experience. When choosing a wealth management product, it is important to try to invest first. Pay attention to asset allocation and diversify funds for investment, that is, don't put your eggs in one basket.

In my opinion, first of all, you need to understand your financial situation, know the income and expenditure, and the monthly balance, which is the most basic, at the beginning of each month to make a good budget, at the same time, it must be (income - balance = expenditure), rather than first pointing out, and then the balance, which is not conducive to us to accumulate the first deposit in the early stage.

**, which is a high-risk wealth management product. The benefits are high, and so are the risks. It is said that ** seven losses, two draws and one win - it can be seen how difficult it is to make a profit on **.

You have to have financial experience, you have to have the ability to resist risks, you have to have the ability to control your greedy desires, and you have to add a little luck.

Virtual finance makes a lot of money, that is, the use of the psychology of not getting for nothing, there are a lot of stealing insurance expiration information, door-to-door deception of middle-aged and elderly people to buy financial management or dividend insurance, false sales, commission of 50%, annual income of millions, remember to take the initiative to find no good things.

**There are stock indexes**, ****, ****, etc., ordinary**, almost no money, Brother Xiang has friends who have traded on the Shanghai ** Exchange for two years, investing 50,000 and losing 5,000.

It must not be touched, and it must not be allowed to be launched on the market. The interests of the people are regulated by **!

The bank's wealth management products are very safe, and other methods are very risky.

Any financial product is a deception, and there is no return.

In a word: high-risk and high-return financial management methods are best not touched. Specifically, it is P2P, **, ** and the excessive high-yield products released by informal financial management platforms, once these financial management are invested, they are equivalent to standing on the high-voltage line and dancing, dancing lightly and beautifully can win a full house, and many financial managers will be electrocuted in the end.

1. P2P wealth management products. Many P2P companies are particularly informal, some P2P companies only operate in one industry or only concentrate in a single region, the strength of the enterprise is weak, the lack of a set of risk control mechanism, the customer similarity is very high, the industry is risky, and it is very easy to thunder. The current P2P companies urgently need to be rectified by the state, otherwise they will be similar to runaway companies.

2. Financial management. This is the most dangerous way to manage money, and it has caused many people and money to end up empty, and it is a real high-risk and high-yield product. Make money on the **, and make a lot of money, it is much more difficult than ascending to the sky, ten ** financial managers have a money-making is a big victory, want to make money in the ** financial market, financial managers must have long-term financial experience, to have a super ability to resist risks, but also need to have the desire not to be greedy or extravagant, the ability to see good, the rest is all up to luck.

3. Wealth management products. **It is also a high-risk product, but the benefits are not necessarily high. Financial managers can make money by choosing the right one, and if they choose the wrong one, they will lose a lot, and losing money is a common thing in the process of financial management.

In 2018, the whole form of ** is in a bear market period, and the basic situation of each ** is non-stop**, especially for short-term investment financial managers, the loss has a greater impact.

In fact, the choice of financial management method is also more important. The high yield of financial management is indeed more attractive, excessive pursuit of high returns, will bring losses, not income, some platforms give financial income annualized interest rate as high as 20% or more, how can there be such a good thing, generosity behind a certain invisible risk.