What should I pay attention to when managing money on Wealth Management Connect? How should I choose

Different products have different returns and risks, you must first know what type of products you are suitable for investing in, and there are mainly the following types of wealth management products. (1) Low-risk and low-return types. Including commodity base and bond base, this kind of income is relatively stable and the risk is relatively low, which is suitable for investors who pursue stable returns; (2) High-risk and high-return types.

For example, equity classes such as hybrid, ****, etc. This type of product has a high expected return space, but it needs to bear greater risks, which has certain requirements for investors' professionalism and investment mentality; (3) Medium and low risk, relatively stable return type. Including some secondary bonds, quantitative hedging** and other products, suitable for investors who can tolerate certain risks and pursue higher returns.

You can choose a certain wealth management product such as index** on the wealth management link, hold it for a long time, and then sell it at the right time to have the opportunity to obtain higher returns.

In fact, different products have their own characteristics, and it is impossible to define which product is better. If you have just started financial management and do not know how to manage money, you can consider using the "salary and financial management" function of Wealth Management Connect to manage your finances. You set the monthly wealth management amount in the salary financial management area, and after you open the plan, it will be transferred to buy wealth management products at regular intervals every month, which is convenient for you to manage your finances.

Directly set up **regular investment on the wealth management link, regular investment index** or hybrid** This kind of volatility is relatively large**, and the long-term regular investment is relatively high.

Wealth Management Connect is very good, it is Tencent's official wealth management platform, and there are a wide range of products on the Wealth Management Connect platform, including currencies, bonds, hybrids, indexes, portfolios, etc.

Currency ** is very good, currency ** is a kind of product that can be purchased and redeemed at any time, its main investment scope includes, bank certificates of deposit, treasury bonds, central bank bills, commercial papers, corporate bonds with high credit ratings and other short-term valuable**. It has the characteristics of low risk, high liquidity, and low threshold, and the possibility of loss is relatively small.

There are two sections in Wealth Management Pass, one is stable financial management and the other is advanced financial management. Prudent financial management as a whole is biased towards low-risk investors, mainly currency, bond-based, insurance and brokerage, the income is relatively stable, advanced financial management is aimed at medium and high-risk preference, including hybrid, index, etc., the overall rate of return is higher than the stable, but the risk is also high, risk and return are coexisting, you have to be clear about this.

1. Balance+: Accounts of all currencies** held by users in Wealth Management Connect (except for Coin Pass and Coin Wealth Management), which have the characteristics of enjoying income, being able to pay, being available at any time, and being used for multiple purposes. **After "Balance +", users enjoy the combined currency ** income, the total income is the income of all single currencies held**, and there is no limit when using "Balance +"** other wealth management products, and at the same time, the funds of "Balance +" also support automatic credit card repayment, loan repayment, phone bills, etc.

2. Prudent financial management: mainly invest in "fixed income" assets that can continue to bring interest income, such as treasury bonds, financial bonds, etc. It has the characteristics of long-term stable returns, relatively low risks, and rich maturity categories.

Wealth Management Connect subdivides such wealth management products into "stable entry products" and "stable and progressive products", the former is suitable for users with low income requirements and low risk appetite, and the latter is suitable for users who pursue long-term stable returns and have a certain risk tolerance.

3. Advanced financial management: financial products that mainly invest in the capital market, such as bonds, **, etc., have the characteristics of relatively high returns, short-term fluctuations, and relatively high risks. Wealth Management Connect subdivides such wealth management products into "advanced entry products" and "income-seeking products", the former mainly invests in low-risk assets such as bonds, and some products add some other investment varieties, such as convertible bonds, **, etc.

4. Invest together: a platform for investment advisory services, select suitable investment strategies and investment advisory teams for users, and try to achieve users' investment goals. As of the end of December 2020, the most advanced combinations connected to China and Europe include Central Europe Super All-Star, Southern Wen Tianli, Harvest Currency Tianyi, Huaxia 90 Post-wave Pension, Huaxia 80 Dangdao Pension, Huaxia 70 Just Pension, etc.

Since the expected return of Yu'e Bao has decreased, the former financial artifact no longer exists, and many people have turned to pay attention to Alipay's rival WeChat. Some friends asked how about WeChat Wealth Management, let's talk about it today.

I believe that many people know the currency**, and the essence of Yu'e Bao is the currency**. It has a solid expected return, low risk, and can be withdrawn at any time. The expected return of the Wealth Management Connect currency ** is generally higher than that of Yue Bao, and it can be withdrawn at any time, and it can be received in a few minutes (the limit is 10,000).

From the point of view, the currency with the highest expected return of Wealth Management Connect is CUAM Full Treasure, and the seven-day annualized rate has the expected return of Yue Bao.

2. Stabilize debts**

Stable debts** include wealth management** and short-term debts**. Wealth management** has a certain investment period, generally 7 days to 2 months. It mainly invests in short-term bonds and bank deposits, and is about the same level of security as currency**, with no advantage over currency**.

Short-term bonds** are equivalent to enhanced currencies**, with slightly higher expected returns than currencies**, and the average expected returns of short-term bonds** were above during the 2018 bond bull market. Of course, the expected return is directly proportional to the risk, and the risk of short-term bonds** is slightly greater than that of currencies**, but long-term holdings generally do not lose money.

3. Insurance and financial management

The insurance and wealth management of Wealth Management Connect is mainly a personal pension security management product, that is, the pension wealth management issued by the pension insurance company. There are current and regular versions of pension financial management, the former is equivalent to the currency issued by the insurance company, and the latter is equivalent to the bank wealth management issued by the insurance company, and the security is not low.

Fourth, brokerage financial management

Wealth Management Connect includes collective asset management plans and expected return certificates. The risk of collective asset management plans is high and low, generally starting at 50,000 yuan or 100,000 yuan, these are low-risk products launched by Wealth Management Connect, mainly investing in the fixed income market, with a minimum purchase of 50,000 yuan, and the risk is not high.

Compared with the collective asset management plan, the expected return certificate product is more secure. It is equivalent to the capital guaranteed wealth management issued by the company, which is essentially a bond, guaranteed by the brokerage company with its own credit, which is generally capital guaranteed, and also has a guaranteed expected return.

Foreword: Nowadays, many people will make use of their spare money, and the best way to use this spare money is to buy some financial products, and usually use their own money to buy some funds. So what products do you usually buy in Wealth Management Connect?

1. Regular investment**I usually tend to buy some financial products in Alipay, because some types of Alipay financial products are relatively large, and the amount of investment for the first time can be less, and Alipay also has a fixed investment. In Alipay, you can buy it for 10 yuan, and you can buy one once a month**. In fact, this method is a good choice for some young people or college students who have just entered the society to work, the risk is relatively small and the money required is relatively small.

Second, the first regular financial products in WeChat will actually have some financial products, if you just want to buy and do not know much about the funds, then you can buy some regular financial products in WeChat. The money required for these products is also not extraordinary. Relatively speaking, the risk is very small, even if there is a loss, the money must not be too much, and it will not exceed your principal.

Therefore, it is relatively recommended to buy these financial products, the risk is relatively small, and it is worth buying, but if you are holding the purpose of making money, you should not buy this product.

Third, of course, some people have a relatively large amount of money reserves, and if they have more spare money, they can also buy some insurance products. Generally speaking, the rate of return of such products is very high, but the risks of these products on the market are also there, so you must also collect some information when buying such products, and you must make sure that it is worth buying before proceeding**.

Usually, I will choose high-risk products for the wealth management products I buy in Wealth Management Connect, because high risk is still accompanied by high returns, and I will choose to buy, such as hot products at the moment, such as new energy, automobiles, semiconductors, etc.

I usually buy personal accident insurance and critical illness insurance, I think these two insurances are more practical, and the scope of insurance is also relatively wide, especially reliable.

Generally speaking, I will buy a dividend-type wealth management pass, and buy a low-risk one, after all, I don't have much principal, as long as there is interest income.