In the past 2013, YUN Bao, TenPay, etc.Internet FinanceProducts rise suddenly, buy internetFinancial productBecome a hot money management method. Well, compared toBank financial productsWhat are the advantages of internet financial products? Below we compare bank financial products and internet wealth management products in several aspects.
Bank financing products have a certain investment period and their liquidity is not high.
Internet financial products are highly liquid and can be traded on T+0.
Banking wealth management products: The current annual return rate of mainstream varieties in the market is in the range of 4%-5%, and the income of some linked structured financial products is higher (but the risk is relatively large).
Internet wealth management products: At present, the annualized rate of return on the 7th is 咋4%. Compared to the bank wealth management products, the volatility of returns is relatively large. Under extreme market conditions, the fund's net value may also deviate significantly.
Among the bank wealth management products, the risks of most currency bond products are relatively low, and the principal of some products is guaranteed, which is a stable product (structured products have high investment risks and zero or negative income risks).
The investment characteristics of internet wealth management products determine that investors enjoy the convenience of internet banking while also facing additional cyber security risks.
The investment threshold for bank wealth management products is relatively high, and the initial investment amount is 50,000 yuan.
The investment threshold for internet wealth management products is low, with a maximum of 1 yuan.
For the crowd
Bank financial products are suitable for middle-aged and elderly investors with relatively low risk tolerance.
Internet wealth management products are suitable for young investors with high risk appetite, skilled use of internet tools, and high demand for liquidity.
Bank financial products only have investment attributes.
In addition to investment attributes, Internet financial products also have various application functions such as asset recharging, online shopping payment, credit repayment, and transfer.
From the perspective of specific investment, compared with the current trend of replacing bank savings with current bank wealth management products and bank wealth management products, the positioning of the two is different, and the investor population facing it is also different. Investors need to understand the needs and invest on demand.