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Internet platform insurance wealth management products "end of year end" pension products favored by investors

来源: 证券日报 2019-12-30 11: 52: 15Source: Securities Daily

Near the end of the year, the yields of wealth management products were all at the end of the year. The best place for investors to have idle funds in addition to the stock market is to flow into wealth management products of major financial institutions.

Although the fund continues to be loose, the average rate of return on baby wealth management on the Internet wealth management platform is still only about 2.5%. In this context, the advantages of Internet insurance wealth management products are prominent, especially the pension insurance management products are most favored by investors. The product with the highest annualized return in the past seven days is 4.412%, and the annualized net increase of net worth products can reach 7.18. %, Hot products have already been sold out, and it ’s common to have a "sold out" label.

As a stable product, insurance endowment management products have many similarities with bank financial management. For example, most of them are regular products with a term of more than one year. The risks are not very high and the returns are similar. However, compared to bank wealth management, insurance and pension protection management products have a great advantage, that is, the first purchase does not require a face-to-face check at a bank outlet, and currently can be easily purchased on major Internet wealth management platforms.

In this regard, a reporter from the Securities Daily observed the Internet insurance wealth management products and found that among several major Internet platforms, WeChat-Tencent wealth management, Alipay-Wealth, and Jingdong Finance's regular and stable wealth management are mainly based on insurance wealth management. The form is relatively simple, most of which are endowment security management products.

From the perspective of the three major platforms, in the classification of Tencent's wealth management insurance products, except for one sold-out universal insurance product, the rest are all covered by pension insurance management products, including Taiping Pension, Ping An Pension, China Life Pension, Taikang Pension, Yangtze River There are 25 products under the 6 insurance companies of the pension and CCB pension, with a closed period of 15 days to 371 days and an annualized return rate of 3.141% -4.412% in the past seven days. There are 4 products for flexible application and redemption. The seven-day annualized return rate is about 3%, far exceeding the baby products, and the highest cumulative product has exceeded 62.05 million.

In addition, there are 9 net worth products, the sales are quite hot, 5 have been sold out, and only 4 are on sale. The annualized net increase of these 9 products is between 3.71% and 7.18%. The highest product is “Taikang Pension Selection Yuetai”. The net value of this product has increased by 7.18% in the past year. The risk label is low and medium risk, 1,000 yuan. Starting purchase, flexible application for redemption, is currently in a sold out state, and it will be sold for a limited time every trading day, with a total of 1.11 million transactions.

For net worth products, there are still many investors who do not understand. In response, Tencent Financial Management said that according to regulatory requirements, products such as "7 days, 4.0% of revenue" will gradually disappear, and the future will be "net worth". "Transformation." "Net worth" and "seven-year annualized" products are just the difference in the form of return performance. For long-term holding of the same type of products, there will be no significant difference in returns; but if you are "fast in and fast out", the net worth The product may cause losses due to fluctuations in net worth. Therefore, in the future, after the net value of the products gradually, it is recommended that you still choose products that meet your risk tolerance and hold them in the medium and long term.

In the Alipay-Wealth Stable Product Zone, net worth insurance companies' pension protection products appear as the top choice for value-added. Although there is a risk of loss, at present, the Alipay column is marked "Strictly selected assets, account security, professional risk control. convoy". Since the establishment of these products, the annualized growth has been between 3.23% -4.95%. Similarly, the endowment insurance management products of JD financial insurance companies are classified as stable financial management, and most of them come from this type of products. The annualized return rate in the past seven days is up to 4.41%.

For net worth products, Alipay stated that net worth products refer to non-guaranteed floating income investment products whose principal and yield fluctuate daily with net worth. It is supervised by the China Banking and Insurance Regulatory Commission. It has rich product maturity, low risk, and stable long-term holding yield.

It is worth mentioning that although the financial products marked on these Internet platforms have higher yields, they have greater volatility and investors need to choose carefully. (Reporter Zhou Shangyu)

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