How do individuals invest and manage their finances, and is the return of Soyi Loan high?

Investment tools are very diversified, the most common is nothing more than bank deposits, **, real estate, **, bonds, **, common**, foreign currency deposits, overseas real estate, foreign **, etc., Soyi Loan is a P2P wealth management platform, on which many financial projects, stable income.

Set a suitable plan, choose a good investment tool, adhere to continuous investment, and achieve steady appreciation of assets through time and compound interest. Don't dream of getting rich overnight, the kind of person who either goes to jail or hospital.

Personal financial management is an economic activity in which individuals in social relations use various investment and financial management tools or channels to increase and preserve their personal assets within the scope of legality, reasonableness and compliance. According to the different management and operation methods, the personal business of commercial banks can be divided into financial advisory services and comprehensive financial services. Among them, financial advisory services refer to the professional services provided by banks to customers, such as financial analysis and planning, investment advice, and personal investment product promotion.

In the integrated banking service activities, the customer authorizes the bank to carry out investment and asset management on behalf of the customer in accordance with the investment direction and method agreed in the contract, and the investment income and risk shall be shared and borne by the customer or the customer and the bank in accordance with the agreed manner.

Soyi loan is a P2P wealth management, at present, P2P wealth management investment and wealth management income is higher than bank wealth management products, you can see the advantages of P2P wealth management through the comparison with bank wealth management:

1) Yield PK: P2P is high, bank wealth management is low.

Banks have carved up a large amount of income for wealth management investors with a list of handling fees, custody fees, management fees, etc. The average rate of return of bank wealth management products is: The P2P investment income is clearly real, generally between 9% and 18%, which is more than 4 times that of bank wealth management products.

2) Mortgage guarantee PK: P2P has, bank wealth management no.

Bank wealth management is actually a kind of credit loan lent by investors to banks, in addition to bank credit, there is no risk compensation measures and means, there is a financial loss, investors are often helpless, can only swallow their anger. P2P generally has the borrower's full-value assets or high-quality claims as collateral (pledge), and performs mortgage registration procedures, and at the same time introduces a third-party guarantee company to fulfill the overdue compensation obligation, which can be said to add double insurance for the safety of wealth management funds.

3) Real project linked PK: P2P is clear, bank financial management is confused.

In reality, most of the bank's wealth managers do not know what they are selling, do not know the use of funds, how the income is linked to, product risks, etc., the wealth managers sell in a daze, and the customers sell in a daze. P2P financial management requires the capital demander to provide real borrowing purpose and project information, and investors can independently screen and choose borrowing projects, so that they can be clear and clear.

4) Current income PK: P2P pays interest on a monthly (quarterly) basis, and bank wealth management pays interest at maturity.

Bank wealth management generally settles the principal and interest together after the maturity of the product, which cannot bring stable cash flow income to investors during the purchase period, which can easily lead to insufficient or tight liquidity for investors. P2P wealth management adopts the method of monthly (quarterly) interest payment and principal repayment at maturity, which not only reduces financial risks, but also meets daily liquidity needs.

I don't know, I rarely do financial management, as long as it is a big platform, it should be said that there is no problem.

Investment and financial management must have a peaceful mind, understand yourself at the same time, but also understand the market, to see what kind of investment and financial management you are suitable for, and what kind of investment and financial management is suitable for the market environment. You can refer to professional financial reports with certain authority and analysis from large investment institutions. Short-term investment requires a lot of time due to large market changes, so it is suitable for investors with flexible time arrangement, small funds and better psychological tolerance.

The long-term return on investment may be lower than short-term speculation, but it is relatively less time-consuming and less risky, making it suitable for investors who have limited time, want stable returns, and have some savings.

Nowadays, projects are flying all over the sky, and they are all said to be high returns and high returns, so we must keep our eyes open, and it is best to choose the products of large companies to be safe. At present, the domestic P2P micro-lending business has formed three forms: online mode based on the Internet platform, non-Internet offline mode, and offline and online parallel mode, so that many ordinary people who cannot obtain the services of formal financial institutions and are in urgent need of small funds have obtained private micro-loan services, and at the same time, it also provides a new high-yield financial management method for fund providers.

There are three main modes of P2P personal online lending from the perspective of transaction mode: the first type is the offline transaction mode, which only provides transaction information, and the specific transaction procedures and transaction procedures are completed by P2P credit institutions and customers face-to-face. The second type is P2P** that promises to protect the principal and interest, and in the event of a default risk on the loan, this type of ** promises to advance the principal to the funder first.

The vast majority of P2P** in the market operate in this way. The third type is P2P** that does not promise to protect the principal, and when the loan is at risk of default, the platform does not advance the principal.

Yes, it is of the P2P type. It's the same as OK Loan.

From the above**, it can be seen that the wealth management products of Soyi Loan have high yields, large product security, and long-term financial management periods, which can be freely chosen. In addition, the most distinctive point is that Soyi Loan can redeem the principal in advance through the "creditor's rights transfer" function, and it can be transferred for free as long as the investment is completed for 30 days, which adds appropriate liquidity on the basis of high yield.

Investors should pay attention to the following when choosing P2P wealth management products:1Risk control of the product.

Look at whether the platform of the selected P2P wealth management product is standardized, whether there is a complete set of risk management and control technology, whether there is a mortgage, whether there is a strict credit review process, whether there is a mature risk control team, whether there is a repayment risk fund, whether every claim is very transparent, whether it will mail bills and debt lists to customers at a fixed time every month, etc., the above are very important issues, so customers must understand clearly when making a choice. 2.The strength of the platform for the selected product.

Generally, the larger the platform, the stricter its risk management and control, because the platform is large, so each claim will be transferred to the lender after strict review. In addition, the strength and scale of the company are also a very important indicator to measure whether a company is standardized or not. In addition, the registered capital of the company and the scale of the sales department in the country are also very important indicators.

3.Normative nature of the contract. When subscribing to the product, be sure to read each article in the contract carefully, find out the specific meaning of each word, do not sign the contract so-so, and do not know anything about the rules and regulations, if the future really produces risks, it is too late to regret.

Compared with bank loans, the product has a low interest rate, easy application, fast approval and high amount approval, which can help buyers solve the problem of down payment.

The current online lending policy is not perfect and lacks third-party supervision, and the market is very chaotic. The rights and interests of investors are not protected by law, and there is no security guarantee for funds, so it is recommended to wait and see, and wait for the policy to come down before starting, and have questions @ me.

It is recommended that you choose formal channels for financial management, such as bank online banking, mobile banking and other channels;

The local ** doesn't know Guo Degang.

Why should you choose P2P for investment and financial management?The reasons for choosing P2P banking are none other than the following reasons:

1. P2P has a high return on investment and stable returns.

According to the current market**, although the income of P2P wealth management has declined overall, with the average price falling to about 10%, it still has advantages compared with other financial products. **Earnings fluctuate and are greatly affected by the outside world; The potential return of bank wealth management is between 4% and 6%; The return of trust products is relatively high, which can reach 9%-13%, but the million-level investment threshold rejects most investors.

P2P is a fixed income investment product, and the biggest advantage of fixed income products is that there is basically no fluctuation, and how much you earn after investing will be calculated.

Another advantage of fixed income products is that there is no need to test human nature, and only a few people can buy low and sell high in investment products that go up and down, and most people are slapped in the face back and forth and lose money repeatedly.

2. P2P is flexible and can meet various investment needs.

One of the reasons why P2P wealth management can be quickly accepted by the general public is its low threshold characteristics, which can be invested within 100 yuan; In addition to this, its wide range of flexibility is also appreciated by investors. For example, depending on the business being docked, the investment period of P2P products ranges from one month to two or three years, and investors who prefer short-term financial management or long-term stability can find suitable products for themselves.

3. P2P investment is convenient, information access is convenient, and it is relatively transparent.

P2P financial management does not need to have special professional knowledge and skills like **, as long as you have a mobile phone or computer + network, you can complete the investment. In an environment where the Internet is accessible in all directions, all kinds of information about industries and platforms are only what investors don't want to know, and there is nothing that investors can't find, so relatively speaking, P2P will be more transparent.

4. Have a mature risk control process, which is relatively stable.

At present, the major platforms have their own risk control teams and risk control systems, and have unique screening criteria for reviewing investment projects. The annualized income range of the platform is between 7%, which is a relatively reasonable income range in the industry. It is convenient for investors to invest, 100 yuan can be invested, the investment period ranges from 1-12 months, and the cycle flexibility is high.

5. P2P saves worry and effort, don't worry too much.

The amount of energy spent on investment is a very high cost, like our young people are on the rise in their careers, and 1 hour may be worth hundreds of dollars.

If an investment requires a lot of energy and the return is not high, it is simply a big loss.

One of the great advantages of P2P is that you don't have to spend too much energy, and if you invest conservatively, you don't have to worry too much.

At present, the low threshold of P2P financial management makes it one of the choices of public investment, and with the rapid development of Internet finance and the implementation of supervision, the prospect of P2P financial management will be very good, and the future P2P will be recognized by more and more investors.

P2P financial advantage 1: more flexible time.

Generally, the wealth management products on the market, investors need to go to the exclusive financial management places such as special ** companies or banks for investment and financial management, and the network financial management is not limited to the place, therefore, investors will be more casual in time, a computer connected to the network can be financed at any time, so that investors can arrange financial management time according to their own time, so the time will be more flexible.

P2P financial advantage 2: product diversification.

There are more and more types of online financial products, which brings greater choice space to investors, and because of the wide variety, the fields involved, as well as the types will be more, so that the applicable population will also expand, and there are more and more types of financial products, giving investors greater choice, and at the same time, the content it contains and covers traditional bank wealth management products, investment company wealth management products and ** company wealth management products, etc., plus the emergence of some new Internet wealth management products, Give investors more diversified financial choices.

P2P financial advantage 3: low investment cost.

The investment cost of general online wealth management products is relatively reasonable, mainly because of the convenience of Internet operation, which saves the cost of operation, and the final income of the financial manager is not reduced, the cost is low, the profit is high, and it will naturally be welcomed by investors.

The first is that the Internet is more convenient.

The second is that the starting amount is low.

The third is that the returns are relatively high.

Fourth, there is relative transparency in the lending of individuals to individuals.

1. The first category: focus on P2P financial management.

Most of the investors who focus on P2P financial management can be divided into the ranks of aggressive investors, who pursue higher investment returns and have relatively better risk tolerance.

2. The second category: portfolio allocation and financial management.

For investors who tend to combine financial management usually prefer stable and conservative investment, for this part of the investors who focus on low-risk financial management, it is recommended to use the "three-phase financial management method", that is, in the investment process, the funds are divided into three parts for different investment: short-term financial management, medium-term financial management, long-term financial management, in this process, short-term financial management funds need to account for 10% of all funds, in order to do family daily expenses and short-term turnover, medium-term financial management funds can reach 10%-50% of all funds, For family medium-term expenses such as annual travel and medium-term turnover, etc., the investment cycle is controlled within one year, and the proportion of long-term financial management funds needs to reach 50% or more of the total assets of the family before the slippery lead, for the realization of long-term financial goals, basically three to five years for an investment cycle, long-term investment due to the more optimistic stable appreciation of funds, investors can choose to invest, etc., and for short-term financial management, because investors pay more attention to the liquidity and security of funds, the rate of return, here is also more recommended P2P financial management.