Near the Spring Festival, many employees have won the long-awaited year-end award. Holding a lot of cash, how to make the money on hand "New Year" has become a problem.
Recently, the reporter learned that after experiencing the plunge of the stock market in the past week, many investors have abandoned the idea of “holding the Chinese New Year” and temporarily withdraw from the stock market. And P2P has become the choice of many investors to invest in idle funds during the Spring Festival.
“The company’s performance last year was good, so the year-end award was still considerable. The most important thing is that the year-end award was issued a year ago, and the Chinese New Year has a good mood.” Mo Hua (a pseudonym) from the new energy industry holds 6 The number of year-end awards, eventually selected three large P2P platforms (registered with red envelopes) as their short-term investment choice.
"The investment projects selected on the three P2P platforms are basically short-term one-month or three-month. I think that after the year, I will do unified planning. At present, I mainly do not want to let the funds idle. As for the annualized rate of return, Generally, it is around 8%. Of course, there are also higher investment options. Some platforms have double-digit annualized yields during the Spring Festival, but this risk will naturally be higher.” Mo Hua said, “P2P investment Still based on security, choose some large, more reliable platforms, and the relatively low yield is normal.
Moreover, compared with other investment channels, the annualized rate of return of about 8% is already relatively high. ”
According to the “P2P online loan industry January 2018 monthly report” issued by the Third Party Research Center of the industry, the comprehensive rate of return on the online loan industry in January 2018 was 9.58%, which was 0.04% higher than that in December 2017, which was a two-month increase. However, it fell by 0.13% from January 2017.
In terms of provinces, the three provinces and cities with the highest comprehensive rate of return were Ningxia, Guangxi and Henan, respectively, 13.88%, 12.11% and 11.77%. Among the 30 provinces that entered the industry's third-party statistics, 16 provinces' comprehensive rate of return increased.
In comparison, the yields of “baby” wealth management (registered red envelopes) products such as Yu'ebao are less attractive. In January, the yield of “baby” wealth management products led a downward trend led by the reduction of Yu'e Bao's yield. Although it increased the profit rate after attracting idle funds during the Spring Festival after February, the current annualized income The rate is basically maintained at around 4.3%, and there is still a big gap with the annualized rate of return of most P2P.
However, industry insiders stressed that the profitability offered by many P2P platforms is quite attractive, but the risks cannot be ignored.
"Today, the most important thing for many P2P platforms is the filing. In fact, most of the platforms are not filed. Therefore, there are some platforms that have the idea of making a trip before the Spring Festival and running after the Spring Festival. When choosing P2P, you must be risk-conscious and pursue a reasonable rate of return. In particular, you should guard against some platforms that generate abnormally high yields and large-scale rewards," said a P2P platform official.
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