The difference between financial management and stocks

The difference between buying stocks and buying wealth management lies in:

1. Buying stocks means investing, analyzing and grasping the buying and selling points by yourself. So it is easy to lose money.

Buying wealth management means giving money to professionals for investment, and managers in the market have rich investment experience and professional knowledge, so the ability of stock selection, stock selection and risk control is better than that of individual investors.

2. Stocks have no expected returns, while wealth management products are net worth products, but generally have expected returns. Finally, the actual return may be higher or lower than the expected return.

3. The objects of financial investment are bonds and bills. Only a small amount of money is invested in stocks, so the income is relatively stable, but stock trading is a high-risk investment.

Common financial products and their characteristics

I. Bank wealth management products

Characteristics of bank wealth management products:

1, low risk, and usually get back the principal;

2. It has a fixed investment period, usually ranging from 7 days to half a year, and redemption is not allowed in the middle;

3. The rate of return is relatively low, and the general annualized rate of return is between 4.5 and 5.5%. Moreover, as the central bank cuts interest rates, the income of bank wealth management products further declines;

4. The investment threshold is low, generally starting from 50,000 yuan.

5. Bank wealth management products are generally suitable for investors who aim at short-term cash management and like stable income and fixed term.

Second, p2p online loan financing

Characteristics of P2P online lending:

1, single transaction is small and scattered;

2. The investment period is mostly from several months to one year;

3. The average historical annualized rate of return is generally 8%- 12%. For p2p investment and financial management, group loan network is a good choice.

Three. Monetary fund

The characteristics of the monetary fund:

1. The short-term interest rate of money funds is higher than that of banks;

2. Easy to realize and quit at any time;

3. Low risk and stable income.

Fourth, insurance financing.

Insurance is a common financial product with a considerable market share. Of course, there are different types of insurance.

Characteristics of insurance financing:

1. Safe. Insurance is a contractual act, and the rights and interests of customers are protected by laws and contracts.

2. Long-term. Life insurance policies are short-term for 5 years, 10 years, and long-term for life.

3. certainty. Certainty means that the future income of the policy can be calculated clearly.

4. Mandatory. Compulsory here does not mean that the government or insurance companies force people to take out insurance, but that insurance has the color of compulsory financial management for individuals.

5. financing. For customers, the financing function of insurance is manifested in two aspects. First, risk management, when the insured has a risk, he or the beneficiary can get an insurance money.

Verb (abbreviation of verb) national debt

National debt, also known as national debt, is a creditor-debtor relationship formed by the state on the basis of its credit and in accordance with the general principles of bonds.

The characteristics of national debt:

1, with high security.

2. Strong liquidity and easy realization.

You can enjoy a lot of tax-free treatment.

4. It can meet the needs of different groups, financial institutions and individuals.

Trust in intransitive verbs

Trust is a way of financial management, a special property management system and legal behavior, and also a financial system. Trust, banking, insurance and securities together constitute a modern financial system.

Characteristics of trust wealth management products:

1. Trust products are very diverse in design, so the expected rate of return of the trust plan will be different. At present, the annual rate of return is generally between 10%- 15%.

2. The minimum starting point of compliance trust products is 6.5438+0 million, and most products below this threshold are purchased with raised funds;

3. The investment period is generally 1-3 years, and it is generally impossible to quit halfway.

4. Trust products are suitable for high-net-worth investors with high risk tolerance and sufficient risk handling ability (such as litigation).