Nearly the end of July, the P2P thunderstorm in the first half of the year has not faded. According to the Southern Metropolis Daily, there have been 183 platforms in just 18 days since July. Among them, there is a P2P platform with a scale of over 10 billion in the transaction of the silver ticket network and the investment house.
For a time, people are worried, especially those who play P2P. Many people are rushing to evacuate online loans. Even if they have not expired, they choose to transfer debts or redeem them in advance.
Then the question comes: If you don't invest in P2P, you can spend some money on it, you can also vote for it:
To sum up, the financial management methods of small and medium-sized investors are nothing more than: bank deposits; bank wealth management products; money funds represented by Yu'ebao; online loans; public funds; private equity funds; stock markets; higher risk of speculative coins; The property market and trust.
For ordinary people who don't have much money, the threshold for investing in real estate is too high. Moreover, even if they have the ability to pay for high housing prices, there are more unfavorable factors in the property market in the second half of the year: one is the pressure of regulation and the other is the shed reform. The funds are tightening, and it is obviously not wise to invest in real estate at this time. There are also recent news of renting and selling, the freezing of transactions, the rise in mortgage interest rates, and the levy of real estate taxes. The return on investment in the property market is estimated to be greatly reduced.
Like the property market, the trust is also a high threshold. The investment of 1 million is estimated to keep many people out of the door. Moreover, the long investment period and poor liquidity determine the investment trust's money, which must not be used within a few years. assets. In addition, the professionalism of trust investment is relatively strong, and the current three-party sales on the market are mixed, and the quality of investment consultants is uneven. The average person can't hold it.
The stock market with higher risks is still the same. It must be cautious when entering the market. It is affected by the Sino-US trade disputes and the new rules of financial de-leverage. In the first half of the year, A-shares performed poorly, but the extremes must be reversed. At this time, it is possible to continue to pay attention to the stock market. So as not to miss some opportunities. For example, with the slight easing of credit risk and the introduction of the policy of expanding domestic demand, these are all favorable for triggering the rebound. However, there are also many unfavorable factors. In the second half of the year, corporate financing channels have decreased, corporate risks and financing risks have risen; the risk of increased credit defaults has also risen, and A-shares still have large fluctuations.
The game of the currency circle, one is the swindler fooling fools, the second is the concept hype. Therefore, it is not an exaggeration to say that the altcoin is a combination of scam and pyramid scheme. It should be known that even the bitcoin, which is rooted in redness, is still questioned. As for its price, in less than 10 years, it has experienced repeated thrilling surges. In the face of Bitcoin, the roller coaster can only be willing to go down the wind, and the fluctuations are also a little bigger. Especially for retail investors, it is not a good investment to test the heart, or let those who love gambling to play!
》Public funds and private funds
In the first half of the year, 70% of open-end funds were losing money. In the market situation like this year, you will only buy more and lose more, so that you can't wait to hit the wall.
Open-end funds are weak in earning money. Private equity funds have not been able to eat meat in the first half of the year, and the larger the scale, the greater the losses. Moreover, private equity investment has a threshold. Generally, 1 million starts, and small investors who don’t have much money in the pocket should laugh. You can’t afford to buy tickets for the loss-making giant.
Bank savings and financial management
At present, the one-year fixed deposit rate of domestic banks is 1.5%, and the three-year period is only 2.75%. If money exists in the bank and does not win inflation, it will be equivalent to less and less.
Bank wealth management products yields are generally around 4.5%, but bank financing is a threshold, with a minimum of 50,000, some products require 300,000 or even 1 million, the threshold is higher. Although the purchase of certain bank wealth management can guarantee that the money in hand does not shrink relative to inflation, it is difficult to increase the value. Moreover, this has not considered the issue of the depreciation of the RMB exchange rate.
Among the money funds, the most current investments are Yu's Bao, Li Cai Tong, and China Merchants Bank's dynasty. Although the rate of return has dropped, the balance has fallen from the highest of 6.67% in early 2014 to the current 3.509%. However, the yield is still higher than bank deposits, and there is no limit on the amount of investment. It is more convenient to transfer small amounts into and out. If you value safety and flexibility, the money fund is indeed a good choice.
Online loan platform
At this moment, it is estimated that many people are talking about P2P. However, despite the fact that there are many scammers in this market and violent thunder, but for a year and a half, it will be more reliable to be able to survive and get the record qualification.
Compared with other financial management methods, the P2P wealth management threshold is relatively low, especially the liquidity of the head platform is relatively good, and the security of the income is also guaranteed: risk reserve or third-party guarantee, and safer insurance companies. guarantee. It is worth noting that in the medium and long term, it is more realistic to achieve an annualized rate of return of 8% to 10% on the head platform. To some extent, it can be regarded as risk controllable. Of course, after all, the leaders of the China Insurance Regulatory Commission have reminded that if the rate of return exceeds 6%, the question mark will be asked. If it exceeds 8%, it will be very dangerous. More than 10% will be prepared to lose all the principal.
In general, this year is not a good financial year, and money is hard to earn. In the second half of the year, the choice of investment and financial management should be based on stability.Fixed income is a good way to invest. Proper products such as bank wealth management and baby wealth management are recommended to continue to be held, and the proportion of funds allocated in this area can be appropriately increased. Although the yield is slightly reduced, the security of the principal is more important than anything else!
(Integrated: Mutual Gold China, Big Cat Finance, Giraffes with Money, Fortune Secrets, etc., compiled by Rong 360)