What is a high yield trust product and what is the current income of a trust product?

Trust products refer to a financial product that provides investors with low risk and stable income returns. Trust varieties are very diverse in product design, and each will have different characteristics. The risk and return potential of each trust can vary greatly.

The reasons why the income of trust wealth management products may be higher than that of other wealth management products are: (1) capital control and currency undervaluation are the basis for the high returns of domestic financial products, including trust products**; (2) Under the "dual-track system" of interest rates, the income of trust products is closer to the real market interest rate; (3) trust plans that can integrate and use a variety of financial instruments can grasp the risks at a deeper level and obtain significantly higher returns than debt financing; (4) Leveraged strategy and structural stratification are important high-yield trust products**; (5) The existence of cross-market arbitrage opportunities is an important part of the trust's high returns; (6) Other factors of high returns** of the trust. As a compliant financial arrangement that combines the advantages of fund raising and a high degree of flexibility in the use of funds, the trust can also obtain relatively high returns with a very high margin of safety through a number of methods.

Some trust products have an annualized return of 12-15%. But the stakes are also high! So I recommend you choose carefully!

Trusts are generally 6-8 points, which is considered high.

Currently, trust companies.

There are 68 in the country, and their model is the same as that of banks, which are all lending to enterprises and trust loans.

The funds come from the funds raised by the market, compared with the risk control of banks.

It will be easier, but the target customers are also very limited, 40% to the local ** infrastructure, 50% to real estate enterprises, other industrial and commercial enterprises and the secondary market.

can account for 10%, due to the new regulations on asset management in 2018, the restriction that loans cannot be made to real estate, and the flow of the secondary market of the capital network has been very obvious recently.

To put it simply, the trust system can achieve property independence and risk isolation, and has a special bankruptcy isolation function, because only a trust can isolate the settlor, trustee, beneficiary, trust assets, etc., and in principle, it is also forbidden to enforce the property.

The current income of trust products is generally controlled between 7% and 9%. It has also reached a yield of 14% before.

So far, although there have been some sporadic delays in payment, the rigid payment has not been broken.

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When we choose trust products, we must pay attention to the selection of state-owned enterprise shareholders, the top 30 trust companies, and the investment scope should choose the best platform with good taxation.

projects, and the trust products of the investment advisers of the head private equity, should stay away from real estate trust products, and stay away from private enterprise trust companies, although the risk is not very large from the current point of view, but the uncertainty of the future will become a great risk.

Trusts and banks are both under the China Banking and Insurance Regulatory Commission.

The supervision of the regulatory authorities is the object of vigorous supervision and strict risk control by the regulatory authorities. Investment income.

Relatively high: often referred to as the "fixed deposit" of the wealthy, because its income level is several times that of the bank's annual fixed deposit, and the income is stable at about 6%-9%. The cost performance of each fund invested in trust products is compared with that of bank wealth management products.

is higher. Trusts are relatively stable, and their returns are higher than those of banks.

The rate of return is still relatively high, and the products that are based on the foundation are generally trustworthy, and then it is also known that there will be relevant travel and consumer safety guarantees, and the time invested in the early stage is relatively small.

The rate of return of the trust is still relatively high, because it is a state-supported project, and this kind of ** product is very stable and not easy to lose.

The rate of return of the trust is still relatively high, and this platform is still relatively reliable, and it is worth using this platform.

Recently, the number and scale of collective trust products have increased, so what is the income of trust products?

The income of trust products will be different mainly according to the type of product, the qualification of the financier, the risk control measures, the term, etc., mainly as follows:

First of allCash Management, the starting point is 1 million, the term is generally 7 days, 1 month, 6 months, and 1 year, and the income range is inThe longer the term, the higher the return, and the main investment areas of this type of product are currency**, bonds, treasury bonds, large certificates of deposit, agreement deposits, local bonds, corporate bonds, etc.

And then there'sPolitical and credit urban investmentWith the restrictions on the financing cost of urban investment in various places, coupled with the compression of the scale of financing by supervision, the number and cost of urban investment projects have dropped seriously, and they are basically profitableAround, the general investment starting point is higher, the income will be better, the term is basically 2 years, and the region is basically concentrated in Jiangsu, Sichuan, Shandong and other places.

And then there wereReal estateTrust, the income of real estate projects is related to the financing party, collateral, region, and risk control measures, and the income is generally inAround, the term is mostly 1 year, and the income of the 2-year period will be better.

Finally, let's talk about itInvestmentsThis kind of product is also an area encouraged by regulation, generally in the form of equity investment, and the expected income will be better, generally inbut there is no sufficient collateral and risk control measures like financing.

In addition to the above products, trust companies will also have sunshine private equity, equity investment, charitable trusts, family trusts and other products invested in the best fields.

This issue mainly introduces the income of trust products in the current market, which does not mean that there is no risk in trust products, and the risk of each product should be comprehensively evaluated according to the specific product attributes and risk control measures, and it is important not to only look at the income and term.

There are two sentences to keep in mind when investing:

1. To make an investment, please choose a financial institution: Banks, trusts, insurance, **, choose a financial institution, although it cannot guarantee principal and interest, but at least you can stay away from illegal fundraising.

2. Investment is riskyEven if you choose a financial institution, there is a possibility of loss, please correctly understand the risk characteristics of each product and choose a financial product that suits you.

When we make investments, because we don't know much about many industries, we will choose to entrust some people you believe in, or companies to help us entrust their property rights and interests to the trustee, and the trustee will manage and dispose of funds in their own name according to the wishes of the trustor. It is a more common way of financial management in modern times, because many people are not very familiar with financial choices and collocation, so they will choose such a form to make themselves profitable, so is this form really very reliable? <>

Can you guarantee yourself a profit? In fact, the trust is strictly controlled and supervised by the regulators, and what they do is still visible as a legal usury in a good city, but only in this way there is a certain risk in investment, so it is not possible to guarantee 100% income, but on the whole, although there are risks in the trust industry, the overall risk can be controlled, and it can be determined that his rate of return really exists, and after many departments have checked, they have the ability to pursue stable income. Therefore, if we want to buy wealth management products and don't know how to match and use them, we can choose to use a trust to make a profit.

If we really don't believe in other people's words, we have to do it ourselves, we may not get any benefits in the early stage, so the trust is still a form that we can trust, he is subject to strict control and inspection, so his safety is still guaranteed, but his rate of return may not be very high, because it can protect your profits, but how much profit is not something he can control. Therefore, if we want to get a very high rate of return, then choosing a trust may not be a very good practice, if we want to ensure that there is a return, then the trust, which we can say is the best choice, for people who do not know much about financial products. <>

The rate of return of the trust is still very high, and you can choose the trust if you usually invest, and the return rate is high if you invest less.

The yield of the trust is not particularly high, but the trust can at least guarantee a good return.

The yield is still very high, and the income is also very stable, and this is also a very good trust.

Trust has long had the belief of "just redeeming", and customers can basically say that they buy with their eyes closed, and the previous trust customers can be said to be making a stable income in trust and financial management, risk-free and high-yield

I explain the current risk profile of trusts and how to choose trust products through two aspects:

First of all, according to the data released by the China Trust AssociationAs of June 2019, the proportion of risk assets in the trust industry is lower than the non-performing rate of China's banking industry in the same period, and it is known that the non-performing assets of China's banking industry have increased significantly since 2012, and the non-performing rate of a large state-owned bank once exceeded 8%, and almost all national banks are committed to asset write-off and disposal of non-performing assets from 2014 to 2018. After 5 years of disposal of non-performing assets in the banking industry, the non-performing rate is still close to 2%, so everyone believes in bank wealth management compared with trust, in the final analysis, they believe in the bank's operating level, so the operating performance of the trust is better than that of the bank. Therefore, if everyone has confidence in the bank, then the trust should be treated equally.

Second, is it possible to buy with your eyes closed as before, the answer must be no!

The main investment directions of the trust are three areas: Infrastructure, real estate and industrial and commercial enterprises。From the analysis of the risk cases of these three types of assets, industrial and commercial enterprises are the most, and real estate and infrastructure are basically the same.

At present, the vast majority of trust default or postponement risk, of which the most likely area of factual risk is industrial and commercial enterprises, if the problem of the project is to use equity as collateral instead of land and real estate, then in the asset disposal will encounter the situation that there are not enough assets to dispose of and realize, and it is easy to form a factual risk. The situation of real estate is similar, if the credit enhancement measures do not have sufficient land and real estate, only equity is used, or the form of real debt with clear shares, there may also be factual risks in extreme cases.

To sum up, the risk of trust is generally not high, as the four pillars of China's financial trust, trust is still worthy of everyone's trust, trust wealth management low risk, relatively high return is still the most effective asset allocation tool for qualified investors.

The yield is very good, and the interest rate is also very high, but the risk is also relatively high, and you need to learn this knowledge.

This income is still quite high, but the cost of their income is very high on a platform like this, so don't use it casually.

The rate of return of the trust is still very good, and the risk is not very high, so you can choose to invest.

For example, if you invest 3 million, 1 and a half years, 10% of the annual income, and after a year and a half, you will get 15% of the income, that is, 450,000 yuan, a total of 3.45 million. Because there are many types of trust products, such as Sunshine Private Equity belongs to the first class of trust products, his income is related to market fluctuations, it can not be called a fixed income trust product, if it is an investment trust product, the first is subject to global fluctuations, and it cannot be called a fixed income, and it is not a fixed income, the current CPI is high, high inflation, so the fixed income trust products that invest in real estate have become the new darlings due to their high returns and better risk control protection. Thank you for adopting.

The first is to ensure the safety of the principal, and then after maturity, you will receive the return that you were told at that time, such as 8% yield, you invest 100w and get 108w after a year

Fixed income trust products refer to trust products issued by trust companies with fixed rates of return and term. The financier raises funds from investors through the Trust and Public Rights Division, and guarantees the return of the principal and income at maturity by mortgaging (pledging) assets (equity) to the trust company and third-party guarantees. You can find professional fixed income reports on Haomai**.com.

Haomai**.com fixed income channel has a product screening tool, which can select products according to product category, investment period and rate of return. You can also go to the fixed income channel of "Haomai** Network" to learn more professional reports.

Fixed BAI Income Trust.

Refers to the issuance by the trust company, the income rate and.

A fixed-term DAO trust product. The financing version raises funds from investors through the trust company, and guarantees the return of the principal and income at maturity through measures such as mortgaging (pledge) assets (equity) to the trust company and third-party guarantees. As a kind of property management system, the core content of trust is "entrusted by others and managing money on behalf of others".

Youxin Wealth provides trust and wealth management services to customers.