Is the income of Internet wealth management products high now? Which one is better?

Now that the Internet wealth management products have basically entered a normal and stable income state, when there is not much money or do not want to take big risks, the Internet wealth management products are a very good choice. At present, the annualized rate of return of Internet wealth management products is maintained at more than 4%, and you can compare it with the bank on a regular basis, which is much higher, and even if you have 100 yuan, you can invest in financial management.

I have bought several Internet wealth management products, but since I used Wing Pay, I feel that Tim Yi Bao of Wing Pay will be more suitable. I usually use Wing Pay to pay for water, electricity and gas, charge phone bills, buy movie tickets or something, after opening Tim Yibao, you can directly let the money in the Wing Pay account generate income, the real full balance financial products, and its yield has been maintained at a good level, you can see when you log in to the client, unlike some products that go up and down.

Hello, I am a senior Internet person, and Internet finance has been hot in the past 2 years. The income is significantly higher than that of the bank,The difference between different products is not very large,For example, the annualized income of Jingdong's wealth management products Yue Bao is also fluctuating,But the overall difference is not big,From the convenience of your use,It will be more convenient to deposit Alipay and WeChat,Be careful not to take it out back and forth,It is easy to delay the income for many days。 These wealth management products, depending on your risk tolerance, you can choose ** products with higher returns.

I opened Tim Yibao in May this year, and I will save a part of it after I pay my salary every month, and now I have more than 10,000 points, and I will have more than 1 yuan every day.

Tian Yibao is now open and there are 100% red envelopes that can be won, 1 4999 yuan, and there will be 5 yuan red envelopes for the first time to generate income, and the red envelopes can be withdrawn.

1. P2P platform financial management.

This kind of product is the product of Internet direct financial management, that is, the funds flow directly to the capital demander through the Internet platform, and the investor enjoys the income of the capital transfer. The income of P2P products is generally between 8% and 15%, and when choosing a P2P platform, you must choose a third-party custody of funds, and the underlying information should be detailed and clear. Considering its safety, it may be more preferred by conservative investors.

2. Baby financial products: set payment, income, capital turnover in one:

Since the birth of "Yu Yu Bao", its model has been widely copied, and a wide variety of "baby" financial products have been derived. The biggest feature of this type of product is that investors use this product as a carrier to consume, pay and transfer out operations without any handling fees. Since this type of product promises T+0 redemption, the advantages of real-time withdrawal directly meet the needs of investors for product liquidity.

However, it has to be pointed out that due to the essence of Yuebao products are currency-based ("goods-based") products, affected by the decline in bank interest rates, the income of the current treasure wealth management products has fallen to the edge of 3%.

3. Cooperate with well-known Internet companies:

Typical representatives are Tencent (WeChat Wealth Management) and (Financial Plan B). Taking Tencent Wealth Management as an example, it is directly connected to the first-line brand ** company represented by Huaxia**, and the 7-day annualized rate of return is advertised for the first time. But in fact, the so-called "7-day annualized rate of return" is converted into an adult rate of return based on the income of the last 7 days.

If the cargo base is cashed out on a certain day, the income of 10,000 shares on that day will be abnormally high, and the phenomenon of inflated indicators cannot be ignored.

Four. **Company Direct Marketing:

For all "direct-selling" wealth management products, the first priority is the source of the bad review product. **The company's capital management ability directly determines your future investment returns. In addition, because the linked ** product remains unchanged, there is no difference in its original yield.

The only difference is that although the general cargo base also promises T+0 redemption, the funds must not arrive until the market closes and clears on the same day.

Baby LegionBaby Army is the most popular way to manage money, it is a high expected annualized expected return, ultra-low investment threshold, and the advantages of funds are available at any time to seize the financial market, which is more suitable for idle money investment. When choosing Internet wealth management products, you can't just look at the expected annualized expected return, let alone put all idle funds in one "basket".

Bank FinanceUnder the competitive pressure of Internet wealth management, the investment threshold of bank wealth management products has been lowered from 50,000 yuan to 10,000 yuan, and the expected annualized expected rate of return remains at about 5%. Bank wealth management is suitable for short-term investment and financial management. However, when investors buy bank wealth management products, they should see whether the product is principal-guaranteed and understand the risks of the product before purchasing.

For some families with low risk tolerance, it is best to buy short-term financial products, which is suitable for 3 months, and avoid buying products with too long a period.

P2P Wealth ManagementP2P financial management is also one of the more popular financial management methods, which is more suitable for long-term investment and has a higher expected annualized return. It is a peer-to-peer reward with a simple form of participation. Investors only need to invest their funds in subscribing to the existing personal high-quality debt on the P2P wealth management platform.

However, financial institutions only match and lend money to high-quality borrowers who have been approved, so as to obtain high expected annualized returns.

1. Savings is a traditional financial management tool, and it is still one of the indispensable ways to manage money. The risk is low, the property is safe, but the return is also low, especially in today's rising inflation.

2. From ancient times to the present, ** has always been a "hard currency", which is regarded as a symbol of wealth and a weapon for asset preservation. At present, investment not only includes physical goods, but also has more abundant forms such as investment in paper and paper. The role of value preservation is very obvious.

3. ** is a very risky financial tool, of course, the risk is large, but it also means that it is possible to fight for greater returns. High risk is also accompanied by high returns, some people get rich and some people go bankrupt because of this.

4. Concentrate the scattered personal funds and hand them over to the professional team for investment and strive for greater returns. But there are many types of **, the risks are different, generally speaking, the higher the return, the greater the risk.

5. The trust is entrusted by the person to manage the property on behalf of the person. Trust products are also very popular financial tools, which are favored for their high returns. At present, because of the unspoken rule of "rigid payment" of domestic trusts, their risks are often ignored, and its starting investment threshold is relatively high, and some investors can only be discouraged.

6. Foreign exchange wealth management channels include foreign exchange wealth management products, foreign exchange options and other forms. The requirements for professional knowledge are excellent, similar to **, and the mentality should be good.