For those who invest in wealth management, realizing wealth appreciation is the goal of financial management, but the premise of value-added also requires the security of the principal, followed by income. There are various types of wealth management products on the market, and some lawbreakers have come in and used various methods to defraud investors of money in disguise. If they are not careful, investors are “destitute.”
In the investment and financial management need to master some anti-fraud strategies, in order to help their families and their own money bags, and stay away from the tricky financial scam.
Strategy 1: Observe carefully
Being deceived is an experience that everyone does not want to have, but life is everywhere and it is inevitable that the horse will lose its footing. The so-called "high-level ruler" and constantly improving his anti-fraud skills are the best care for himself. This requires you to comprehensively and earnestly inspect information on the qualifications and business status of investment banking institutions so as to avoid being deceived.
In this regard, there are several ways to refer to:
- Do not understand the business can not vote. Nowadays, the market is flooded with all kinds of financial products, and even hype some businesses that don’t understand anything. Not only is the investment risk high, but some platforms are inevitably muddled with water. Generally, when they are just investing, they will give investors some benefits, but suddenly there is a day. Investing in money may be like getting it back. Regardless of how simple the business operations are described, it is actually a fake. Profits or losses are likely to be in their hands.
Determine whether the yield is too high against the bank loan interest rate and the return rate of ordinary financial products. The apparently high return on investment in most cases is likely to be an investment trap. According to our country’s regulations, exceeding the national loan interest rate by more than four times is not protected by law and can be used as a reference for judging whether returns are too high.
It is unclear who the money is for. At present, some loan companies have signed loan agreements with their customers that only specify the amount and time limit, and there is no specific purpose for borrowing. Even on the official website of these companies, the flow of funds may not be found. It may be that they entered the company. Your own pool of funds.
To verify the authenticity of an investment institution, you can also verify it by consulting an authoritative website.
Through the government website, inquire whether the relevant company is a listed company that has been approved by the state, and whether it can issue company stocks, bonds, etc. If they do not have the right to issue, sell stocks, sell financial products, and carry out the qualifications for deposit and loan business, they are suspected of illegally raising funds.
After consulting the industrial and commercial registration data, it is ascertained whether the relevant company is a legal enterprise registered by law or not, and whether tax registration is handled. It is recommended that you log in to the "National Enterprise Credit Information Publicity System." You can inquire the credit information of market entities such as national enterprises, farmers' professional cooperatives, and individual industrial and commercial households by name, registration number, and keywords.
Strategy 2: Analytical organization
This principle is simply to select more reliable institutions by analyzing financial investment institutions within the scope of their choice. The various online and offline agencies are dazzled, how can we choose the right one for ourselves and how can we avoid various scams and pits?
1, most financial companies, in fact, is a marketing product-based services. These wealth management companies stand on a very fair stance and strictly follow the actual conditions of investors to help investors analyze their own financial situation and financial management needs. Through a scientific approach, they are equipped with various financial instruments in their personal finance programs. But this premise is that financial companies must be fair and independent.
The general formal financial management company will first understand the basic situation of investors, including the asset status, investment preferences and wealth objectives. Then, according to the specific circumstances, we will customize wealth management strategies for customers, provide wealth management products, and realize the wealth of customers. aims.
With the outbreak of information, if a regular financial company cannot select products and information suitable for investors from vast amounts of information, so that investors can feel at ease and rest assured, then this financial company will certainly fail.
Money that is not in touch with investors, investors' money is strictly regulated. A regular financial company will not generally touch the investors' money, but will provide investors with financial planning and asset allocation services. The investors' money will flow directly in the financial system and will be subject to strict supervision by the regulatory agencies, such as copper dispensers. All the user's funds are deposited with the bank, and the annualized revenue can reach 10%.
Normally, regular financial management companies will conduct layered checks on the wealth management products they provide, and ensure that the wealth management products provided for investors are compliant, legal, and safe.
Strategy 3: Product Selection
In product selection, we must follow the investment banking principle of “put eggs in different baskets”, understand the products of several trusted financial institutions, and select products with low risk and good historical performance to invest. Specifically, you can follow these steps:
First, risk assessment, understand yourself. To be clear about what type of investor you are, robust or aggressive, there is usually a risk assessment questionnaire to measure your risk tolerance, because this is a key factor in how assets are allocated.
Individual investors must first understand their financial status, risk appetite, risk tolerance and income, and liquidity requirements before purchasing investment products. Investors should comprehensively weigh their own risk appetite, risk tolerance and liquidity needs, and determine a reasonable expected annualized settlement interest rate level, product risk level and investment period.
Second, financial diagnosis, understanding of products. After completing the "know yourself" step, investors need to understand the characteristics of the investment product. The law of the market shows that the expected return on investment products is generally proportional to the risk and is also proportional to the deadline. That is, other conditions are the same, high-risk products generally provide higher expected returns, and low-risk products often provide lower expected returns; at the same time, under the same conditions, long-term products provide expected benefits. Should be higher than the short-term product to compensate for investors' liquidity losses.
A careful reading of the investment product specification is one of the most direct and accurate ways to understand the product. In general, the reading instructions should pay special attention to the following key points: whether the product is subject to capital preservation; pay attention to the type of investment product; pay attention to the liquidity arrangement of the product; pay attention to the expected annualized settlement rate of the product; Risk; attention to the starting point of the product's investment.
Third, formulate asset allocation plans to accurately match their own investment needs and appropriate investment products. Just like playing football, risk-based assets are forwards and they are responsible for high-yield products such as stocks. Robust assets are middle defenders, such as Internet investment products, like copper dispensers of the P2P online loan benchmarking platform. Although revenue is not high, they are better than I think bank investment is still much higher, and the risk is much lower than stocks;
Capital preservation assets are guards. They are generally divided into 2 categories. One is used as a family reserve to deposit current deposits. The remaining can be considered as banks' open-ended investment products, national debt, money funds, etc.; protection assets are like Goalkeepers can generally be equipped with savings insurance and a small amount of physical gold. Assets need to be properly matched in these four types in order to obtain better stability, profitability and liquidity.
Strategy 4: Diversified Investment
There are many channels for investment and financing, and the risks for some products are not small. For ordinary people with low risk tolerance and lack of professional knowledge, they certainly cannot afford it. Is there any way to avoid this situation? It is to diversify investment.
Diversification of investment is familiar to most investors. We can use a popular metaphor to define: "Don't put all the eggs in a basket!" This sentence captures the characteristics of the diversified investment briefly and precisely. The significance of implementing diversified investment lies in reducing investment risks and ensuring the stability of investor returns.
Specifically, there are four rules for decentralized investment:
First, the industry is fragmented. Decentralization of the industry can also be called geographical decentralization. It is to diversify funds in different industries. These industries include stocks, funds, bonds, insurance, banks, the Internet, and so on. If the funds are concentrated in one industry, once the industry is in a downturn or a risky event, it will not have a great impact on investors.
Second, the platform is fragmented. If you choose one of the investment areas, don't put money on a platform. For example, we invest in P2P and try to spread the funds on 4-5 platforms. If a platform runs, shuts down, or the project is overdue, at least the funds of other platforms are still safe.
Third, the risk is decentralized. Even if it is an industry-based platform for wealth management products, the risks are different. For example, various types of insurance and fund products purchased on the Internet financial platform have very different types of product risks. Under normal circumstances, it is not recommended to dispose excessively high money management funds in high-risk areas and try to control them within 30%.
Fourth, the time limit is dispersed. The term decentralization can also be referred to as liquidity dispersion, which is also a financial rule that is most easily overlooked by investors. Some people think that they know how to diversify their investments and spread their money among banks, wealth management, insurance, finance, and P2P industries. The longer the deadline, the higher the return, and he will buy long-term products. As a result, people are sick and in need of money. Therefore, we must know how to match the length of time, or put a part of the funds on money management products such as money funds that have greater flexibility.
Strategy 5: Post-investment tracking
This strategy is also the most neglected after the vote. Therefore, after determining the purchase of a financial institution's products, it is necessary to actively follow up, keep in touch with the financial manager, and often ask about the investment status and progress of the product.
In addition, the post-investment tracking strategy also includes the timely adjustment of investment plans. When the market environment or the investor's own financial situation changes, the investment plan needs to be adjusted according to specific conditions.
For investment and financing, what we need is to keep our eyes open and invest prudently. Although this seemingly simple truth is understood by many people, many people still fall into the risk traps that they foresee in advance. Therefore, before investing in finance, it is necessary to identify all kinds of scam sets and avoid falling twice in the same pit, thereby reducing the financial losses.