What Is The Best Financial Product To Buy?

List the advantages and disadvantages of each financial product, so that you can judge what financial products are best.

1, the risk is low, especially the products that banks promise to keep the capital, usually can get the principal.

2, a fixed investment period, usually 7 days to half a year, midway is not allowed to redeem;

3, the rate of return is relatively low, the general annualized rate of return is between 4.5-5.5%, and with the central bank's interest rate cut, the proceeds of bank financial products also fell further.

4, the investment threshold is relatively low, generally 50 thousand yuan.

5.

It is generally suitable for short-term cash management purposes, investors who prefer steady earnings and fixed term.

Comment:

1, most of the banks' financial products can cash in their principal and earnings, but there are often situations where actual returns are lower than investors expect.

2, once capital is invested, it is difficult to liquidate before maturity, and liquidity is not strong.

3, the investment period is fixed and short, investors need continuous rolling investment, so it is not suitable for long-term investment tools.

4, not all bank financial products are guaranteed capital, and some non guaranteed products are invested in high-risk assets such as commodities or foreign exchange. Therefore, investors need to distinguish between guaranteed and non guaranteed financial products.

Two, the characteristics of trust financial products:

1, trust products are very diverse in product design, so the expected rate of return of trust schemes will also be different. At present, the annual yield is generally between 10%-15%.

2, the lowest starting point of compliance products is 1 million, and the products below this threshold are mostly fund-raising.

3, the investment period is generally 1-3 years, and the middle way is generally unable to exit.

4, trust products are suitable for high net worth investors with high risk tolerance and adequate risk management capabilities.

1, the earnings are uncertain and fluctuate greatly.

2, the investment period is uncertain.

3, the investment threshold is very low, hundreds of dollars can buy stocks.

4, investors do not seem to have any requirements on the surface. But to really invest in stocks, investors must have basic knowledge, operation skills and mentality.

Four, the characteristics of P2P net loan:

1, single pactions are small and scattered.

2, the investment period is mostly from a few months to a year.

3, the agreed rate of return reference trust is generally 8%-15% per year.

I hope the above content can give you some useful information for choosing financial products.