Threshold of investment and financial management under traditional financial management mode

The investment threshold of wealth management products, that is, the starting point of investment, refers to the minimum investment when investors buy wealth management products. Setting the investment threshold is not only the confirmation of investors' risk tolerance, but also the target market positioning of financial institutions.

Bank wealth management products often set the investment threshold according to the risk level. Common investment thresholds are: 50,000 yuan for risk 1 and 2, 1 10,000 yuan for risk 3 and 4, and 200,000 yuan for risk 5. The minimum investment threshold of a trust is generally 6,543,800 yuan. In the asset management plan of a securities company, the amount of a single customer participating in the collective and directional asset management plan is not less than 6,543,800 yuan.

Of course, with the intensification of competition, the investment threshold is not static. For example, 20 13, with the emergence of new wealth management methods such as Yu 'ebao, there is almost no threshold for investment, which will gradually lower the investment threshold of various wealth management products to meet the needs of investors.

Investment and financial management means that investors manage and allocate the assets of individuals, families, enterprises and institutions by reasonably arranging funds and using investment and financial management tools such as savings, bank financial products, bonds, funds, stocks, futures, commodity spot, foreign exchange, real estate, insurance, gold, P2P, culture and art, so as to achieve the purpose of maintaining and increasing the value of assets, thus accelerating the growth of assets.