Why China s wealth management products don t have a good advertisement

That's a one-sided question. How many advertisements have you seen for wealth management products?

The reason why financial advertisements can be seen everywhere is because of the continuous development of the Internet, Internet finance continues to penetrate into our lives, resulting in online lending becoming more and more convenient, and we can understand some financial products without leaving home.

There are also a lot of money management courses.

Bombarding you with financial advertisements everywhere is just to get you to buy these financial products. Don't believe that there will be a free lunch in this world, let alone believe that pie will fall from the sky, if there is something falling, then it must be a trap, they buy these financial products through various advertisements, on the surface it seems high, the income is very safe, in fact, they want to cheat your money.

Now financial advertising can be seen everywhere, you can see financial advertising on the advertising column of the street, you can also see financial advertising when browsing the web, and even there will be text messages to actively recommend some financial software to us, some are for us to make online loans, some are for us to make financial investment, these financial advertisements have been around us, and it is very annoying to see more, and more importantly, there are many financial software with a lot of pits, once you invest, not only do you not make money, but you will lose all your money.

Extended Information: How to Choose Wealth Management Products:

If you want to choose a wealth management product, you must start from your own situation, and take into account your own economic ability and risk tolerance. Not the higher the yield of the wealth management product is the better, choose the right financial product, get a stable income is the right way to manage money.

When you choose a wealth management product, its risk, safety, liquidity, etc. are all to be considered. Of course, its profitability must also be taken into account.

For example, if you don't have a lot of funds, and you don't want to take too much risk, and you need to use money at any time, you should choose capital protection, current financial products, such as currency**, treasury bond reverse repo.

and bank deposits.

Wait a minute. These are the things you should choose when choosing a wealth management product.

If you have sufficient funds, and the liquidity demand is not large, and you can bear a certain amount of risk, you can pursue some high-risk and high-yield investments, such as **, **, **, etc., are the direction you can choose when choosing financial products.

Fake, I've gone to study, first pay 12 yuan to study 12-day courses, these courses are specially designed to motivate you, make you think that you can really make a lot of money by managing money. After studying for 12 days, you have to pay a skill learning fee of between a few thousand and twenty thousand, and you have to follow him to invest, and some people invest tens of thousands of hundreds of thousands of dollars in it without returning.

It is because the current financial market is developing better, and people are very familiar with financial management, so there will be more and more financial advertising.

With the improvement of people's living standards, every family now has some idle available funds, which can be used for investment and financial management, so now the financial management industry is very popular, and there are many advertisements.

I don't think the ads for money management are reliable, and I recommend investors to manage their own money.

There will be a lot of financial advertisements on the market, and the financial content of these financial advertisements is uneven. To a certain extent, excellent financial products basically do not need to be promoted by financial advertising, and only non-excellent financial products need to be advertised everywhere. It is for this reason that I suggest that investors make their own choices when making investment decisions, and it is best not to blindly believe in so-called financial advertisements.

1. There will be a lot of financial advertisements**.

Putting aside whether this financial advertisement is suitable for investors enough, there are many advertisements for financial products that are simply deceptive. For conventional wealth management products on the market, it is already a good level to reach an annualized rate of 5%. However, in these financial advertisements, we can see financial products with an annualized rate of 30% or even more than 50%, and this kind of rich financial return is simply unrealistic, but some people still believe it.

Second, excellent financial products do not need advertising.

I take the ** product that investors often choose as an example, and we can see relevant advertisements on all kinds of ** software. However, for those old ** products, the old excellent incentive products do not need to be promoted at all, and many senior investors will naturally choose these investment products. Everyone's investment circle will spread the word of mouth about excellent investment targets, and a product that is trustworthy enough for investors does not need additional publicity.

Third, many financial advertisements are just collecting IQ taxes.

Although the nature of this sentence is somewhat serious, it reflects the real situation of many investors. Many people don't do basic financial research at all, and they don't even know how to manage money, so they expect to get rich overnight through investment. This kind of thinking is obviously not magical, and it will also lead to these novice investors being lured by bad financial advertisements.

Compared with those unreliable wealth management advertisements, I personally recommend accepting investors to buy fixed income wealth management products from banks. If you have the ability to invest independently, you can achieve stable investment returns through more complex asset allocation.

Unreliable. Because the advertisements of financial management are all to attract users, they are not so good, so I think they are unreliable.

Of course it's not reliable. The ads were all exaggerated, and the revenue at the time was not that good at all.

Some are still unreliable, because many businesses exaggerate some things of the product itself for the sake of profit, so some are unreliable, so we must pay attention.

A: First, the analysis of the current situation.

Income: 13w per year.

Expenditure: about 7w per year.

Balance: about 6w per year.

The ratio of expenditure to income is higher than 50%, which is moderately high and reasonable.

The husband and wife are young, have stable jobs, have no savings, no other foreign debts other than housing loans, and have a strong risk tolerance.

2. Financial goals.

1. In March 2012, I saved enough 30,000 yuan to get married, and there are still five months away.

2. Prepare for the expenses of having children after marriage.

3. Buy a car of about 150,000 yuan before October 2014.

3. Financial planning:

1. According to the standard of 60,000 yuan a year balance (5,000 yuan per month), 30,000 yuan for marriage can be saved in half a year, but March is only five months away, so you can appropriately increase the savings, save more than 1,000 yuan per month, considering that the husband and wife need to prepare rings, necklaces and dresses and other things, you can discuss with your parents and postpone the 10,000 yuan to visit your parents for a period of time.

2. After marriage, in addition to the gift money deposit, it is 0, if the expectant mother and the child's future quality of life are considered, the pregnancy can be appropriately delayed, generally speaking, the following conditions can be met, that is, you can prepare to have a child:

A: Prepare living emergency funds, generally 3 6 times the usual living expenses, plus about to become pregnant, can be appropriately higher, around 15,000 yuan.

B: The cost of production in Shanghai is about 1 20,000 yuan, to do a good job of consulting to determine the approximate **, according to the time of pregnancy in October to plan and save money every month, if they are all outsiders, you can consider going back to your hometown to give birth, so that parents can take care of it, ** should be cheaper.

C: If the expectant mother is unable to go to work during pregnancy and her income is reduced, and there is also the cost of strengthening nutrition, or the cost of living for parents to come and take care of them increases, then the pregnancy period still needs to be extended for a period of time.

If you meet the two points of AB, you can choose to have a pregnancy in the winter of 2012, and if you add C, it will be extended for another half a year (according to your own situation, it is mainly not to affect the quality of life).

3. After the child is born, in order to travel conveniently, it is inevitable to buy a car, but considering the shortage of funds, the possibility of full payment is not large, and the husband and wife have stable jobs, they can consider taking out a loan to buy a car, and then a car of 100,000 yuan will be enough, and according to the down payment of 30%, the car can be done half a year after the child is born.

4. Financial advice.

For young people who work hard in Shanghai, the pressure is very great, so we must continue to strengthen the study of our own business, make ourselves irreplaceable people in the company, and continue to broaden the income** (after you have spare money, you will have to consider investment) to improve the quality of life, and finally I wish you both a happy family and a happy life.

Source: Professional Private Finance.