How to choose products and platforms for wealth management? How to choose financial products

Nowadays, low-risk and high-yield wealth management products can be seen everywhere on various wealth management platforms, but you must know that once the product income of the wealth management platform is higher, the risk will also increase, so today we will take a look at how to judge a safe financial platform

1.Bank depository.

The China Banking Regulatory Commission (CBRC) officially announced the Guidelines for the Depository Business of Online Lending Funds, which means that the online lending industry has ushered in a new round of compliance rules, and bank depository will become a hard indicator of the compliance of online wealth management platforms, and also become the primary basis for us to judge whether it is safe.

If you see that the wealth management platform has signed a "fund depository agreement" with the bank, then at least you can determine that the funds you invest are guaranteed.

2.Third Party Warranties.

The key to this point is to see whether the third-party institution provides an irrevocable joint and several liability guarantee, and you need to look at the letter of guarantee**, pay attention to the letter of guarantee, the term of the letter of guarantee, who are the two parties to the letter of guarantee, the amount of the guarantee and the seal of the guarantee company, if these information are clearly visible, it will be safe.

And if you encounter a vague or uncorresponding, it is doubtful, and you should be cautious about buying it.

3.Safety and security.

In this part, we need to see whether the background of the investment financial platform is strong, whether the risk control system is complete, whether the capital and network security are guaranteed, and whether the technology and laws are in place.

If this information is clearly presented on the wealth management platform, then everyone can be relatively assured, after all, this information is the most basic requirement for a compliant online wealth management platform.

Of course, there are also financial platforms with strong backgrounds among the platforms that ran away in the past, so it is still the same sentence, the market is risky, and investment needs to be cautious.

4.Platform Information Disclosure.

The information disclosure of the wealth management platform is transparent, because firstly, the information disclosure helps the industry to supervise and facilitate the review of the regulatory authorities, and secondly, the information disclosure can help everyone choose the investment platform and products that are suitable for them.

Financial management first to find a good platform, so that funds and privacy can be safeguarded, and then look at financial products, financial platform products are generally very comprehensive and many, you can first consider the product from their own tolerable risk, and then consider the profit period, if you want to worry a little bit, you can try portfolio investment, there are professionals responsible for you as long as you choose the best on the line, Yiren wealth and other platforms have to do.

Chaochaobao is a kind of wealth management sales service of China Merchants Bank, focusing on current wealth management, and the docking products are CMB Wealth Management Cornucopia No. 1 to No. 5. The following is an analysis of Chaochaobao's risk, return, and liquidity in the form of questions and answers.

The risk of Chao Chao Bao is not high, and the risk of Chao Chao Bao can be found from two aspects, one of which is risk warning. The 5 products docked by Chaochaobao have risk warnings, and the risk warnings of each product show a risk level of R1 (low risk); Second:

Product investment direction. Similarly, we can find the product brochure of Chaochaobao's docking products, in which we can find that its investment direction is 100% invested in fixed income products, mainly including: bonds, central bank bills, interbank certificates of deposit, asset-backed ** and other fixed-income financial products and financial instruments, bank deposits, interbank lending and ** resale assets, etc.

From the risk warning of the docking product and the investment direction of the product, we can know that in fact, the risk of Chaochaobao is not high, the possibility of principal loss is extremely low, and the income fluctuation is relatively small.

Chao Chao Bao belongs to the nature of the current financial products, if compared with similar current financial products, then its income is not lost to other products, the current Chao Bao 7-day annualized income is basically stable between, this rate of return is higher than some docking currency ** baby current financial management.

Online investment and financial advice:

1. If you want to improve your financial knowledge, basic knowledge is necessary, it is recommended to read books such as "Japanese Candlestick Curve", "Super ** Master", "Speculation on Foreign Exchange A-Z", etc., and you can also collect information on the Internet.

2. Choose a mainstream platform. If the platform is regulated by the FSA or NFA, it means that they are more standardized and serious in operation and capital flow, which ensures the safety of investors.

3. Choose a good quotient, preferably a first-class quotient. At the regular level, word of mouth is slowly precipitated, so the operation is very formal. No commissions and other handling fees, timely and professional service, the safety of your funds is also guaranteed.

4. When trading, it is very important to set a good stop loss and control the **.

5. Maintain a good attitude and make a profit.

How to choose online investment and wealth management products?

Clause. 1. Choose a product with the right term. Trust wealth management products in the term setting is more complex than the general wealth management products, investors must be clear about the use of their own capital cycle, some trust wealth management products can be terminated in advance, the right to terminate is the right of the trust company, not the right of investors, so the trust company in the product structure for the early end of the first amount of advance.

Clause. 2. Choose the field you are familiar with and recognize. Trust wealth management products are non-traditional wealth management, must correspond to related enterprises or business fields, investors should choose their own familiar or recognized areas, because customers are familiar with the field to have accurate judgment and objective understanding.

Clause. 3. Choose products with strong liquidity of collateral. Trust wealth management products take mortgage guarantee as an important risk control measure, and the full value and liquidity of mortgage collateral are the two key points of risk control, simply put, the higher the value of the collateral, the better, and the easier the collateral to realize, the better.

Under normal circumstances, trust projects that invest in real estate and ** markets are slightly risky, but their expected annualized expected returns are also relatively high; Trust projects that invest in infrastructure such as energy and power are relatively stable, with clear cash flow and good security, but the expected annualized expected return is relatively low.