In the past 2013, Yu's Bao, Tenpay, etc.Internet bankingProducts suddenly emerged, buy the InternetFinancial productBecome a hot way to manage your finances. Then, compared toBank wealth management productsWhat are the advantages of Internet wealth management products? Below we compare bank wealth management products and Internet wealth management products in several aspects.
Bank wealth management products have a certain investment period and are not liquid.
Internet wealth management products are extremely liquid and can be used for T+0 transactions.
Bank wealth management products: The current annual yield of mainstream varieties on the market is in the range of 4%-5%, and the income of some linked structured wealth management products is higher (but the risk is relatively large).
Internet wealth management products: At present, the annualized rate of return of 74% means that compared with bank wealth management products, the volatility of returns is large. In the case of extreme market conditions, the net value of funds may also deviate significantly.
Among the bank wealth management products, the risk of most currency bond products is relatively low, and some of the product principals are guaranteed, which are stable products (the investment risk of structured products is high, and there is zero or negative income risk).
The investment characteristics of Internet wealth management products determine that investors are faced with additional network security risks while enjoying the convenience of Internet financial management.
The threshold for investment in bank wealth management products is relatively high, with a starting amount of 50,000 yuan.
The threshold for investment in Internet wealth management products is low, with a maximum investment of 1 yuan.
Suitable for the crowd
Bank wealth management products are suitable for middle-aged and old investors with relatively low risk tolerance.
Internet wealth management products are suitable for young investors who have high risk appetite, skilled use of Internet tools, and high demand for liquidity.
Bank wealth management products only have investment attributes.
In addition to investment properties, Internet wealth management products also have a variety of application functions such as account recharge, online purchase payment, credit repayment, and transfer.
From a specific investment point of view, although the current network wealth management products and bank wealth management products have a tendency to replace bank savings, the two are positioned differently, and the investor population is also different. Investors must recognize the demand and invest on demand.