Near the Spring Festival, many employees got the long-awaited year-end bonus. Hand a lot of cash, so how to hand the funds "New Year" has become a problem.
Recently, this reporter learned that, after experiencing the stock market crash of the past week, many investors have already given up their idea of "holding the Chinese New Year" and temporarily withdrawn from the stock market. P2P has become a lot of investors during the Spring Festival idle funds to invest in the choice.
"Last year, the company achieved a good profit, so the end of the year award is still considerable. The most important thing is that the year-end bonus is issued before the Chinese New Year and there is a good mood for the Chinese New Year." Mo Hua (pseudonym) from the new energy industry holds 6 Median year-end awards, the final choice of three large P2P platform (registered collar red envelope) as their short-term investment choice.
"In the three P2P platform to choose the basic investment projects are 1 month or 3 months of such relatively short-term, think of years later to do unified planning, the current main is not to let the funds idle .As for the annualized rate of return, Generally about 8%, of course, there are higher investment options, some of the annual yield given by the Spring Festival period to achieve double-digit, but this risk will naturally be higher. "Mo Hua said," P2P investment Or security-based, select some large, more reliable platform, the relatively low yield is normal.
Moreover, compared with other investment channels, about 8% of the annualized rate of return has been considered relatively high. "
According to "Monthly Report of P2P Loans Industry January 2018" released by the third-party research center of the industry, the comprehensive rate of return of net loan industry was 9.58% in January 2018, up 0.04% from December 2017, a rise for two consecutive months YoY, but down 0.13% YoY in January 2017.
By province, the three provinces with the highest comprehensive rate of return were Ningxia, Guangxi and Henan respectively, accounting for 13.88%, 12.11% and 11.77% respectively. Among the 30 provinces that have entered the third-party statistics industry, the consolidated yields of 16 provinces rose sequentially on a quarter-on-quarter basis.
In comparison, the yield of products such as "Yu Bao" such as "baby-like" wealth management products (registered under the red envelopes) is less attractive. In January, the yield of "baby-like" wealth management products went down in a downward trend led by the decrease of the yield of balance-earning treasure. Although the rate of return was increased in order to attract idle funds during the Spring Festival after entering February, the current annualized yield The basic rate remained at about 4.3% level, with the majority of P2P annualized return rate is still not a small gap.
However, the industry stressed that many P2P platforms offer attractive yields, but the risks can not be ignored.
"Nowadays, the most important issue for many P2P platforms is filing, but in fact most of the platforms are unprofitable. Therefore, there are some platforms that are based on the idea of fishing before the Spring Festival and running after the Spring Festival. When choosing P2P, we must take the lead in risk awareness, and pursue a reasonable rate of return, especially to alert some platforms that generate abnormally high returns and big reward activities. "A P2P platform official said.
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