Should financial novices always be novices? One trick to get rid of financial novices

Still lamenting that the current high housing prices are unaffordable? Still thinking about buying a car or a house first? No, let's first see how much balance is left in our pockets. For financial novices, striving to avoid being part of the moonlight clan every month, leaving some money in Yu'ebao is already considered financial management. But now prices are so high, housing prices are so expensive, and even if you send a red envelope less, you will still be criticized for being stingy. Is the money in Yu'ebao enough?

But for financial novices, knowing that putting money in Yu'ebao is already a big progress, allowing them to manage their finances? How to deal with it? The bank threshold is too high, and the stock risk is too high. Fortunately, nowP2PThe market is gradually opening up, and market regulation is also significantly improving, which is really a good signal for financial professionals!
P2PThe low threshold investment route for wealth management is highly sought after by investors, and the returns are also better than other wealth management channels. For financial novices, the advantage of low threshold provides them with more choices to try the water, while putting eggs in multiple baskets for experimentation, always finding a suitable investment product for themselves.
currentP2PThere are many industry platforms, so financial professionals can choose from three different types of platforms during the trial period:
Representative of conservative investment platforms: Mindai Tianxia
The advantage of such platforms is that they have strong risk control capabilities, but their returns are very low. Taking the example of the People's Loan World, the People's Loan World is2014Launched in, it is a new force in the Internet financial industry. Like barley finance, it is a state-owned mobile Internet financial service platform. It has good risk control in terms of security assurance, professional bank level risk control, risk reserve, and relatively secure in terms of business risk. But the average interest rate is6%Left and right, at a low level in the industry. Belongs to low return and low risk platforms.
Representative of stable investment platform: Damai Wealth Management
The advantage of this type of platform lies in its higher returns compared to conservative platforms, and its risk control capabilities are not inferior, making it the backbone of the industry. Using barley for financial management（www.damailicai.com）For example, the platform relies on its listing+The background of state-owned assets provides an additional guarantee for risk control capabilities, and barley wealth management has been completedCRound robin financing. Focusing on supply chain finance, the repayment parties for projects are mostly500Strong, listed companies, state-owned enterprises, etc. ensure the quality and safety of projects from the source of business. The platform has strict risk control, has risk reserves, and is supervised by CITIC Bank to ensure dedicated use of funds. The revenue of this platform lies in12%Around, with a relatively short time frame and flexibility, it is suitable for most stable investment users nowadays, and such platforms are often the most sought after by investment users.
Representative of radical investment platforms: Renren Jucai
The characteristics of radical platforms are diverse styles and high returns, but at the same time, investors also need to carefully consider the risk aspect. Taking everyone gathers wealth as an example, it was established in2011Pioneered in China inP2P3.0The franchise model of everyone gathering wealth ensures stable growth of funds,P2P3.0The model shifts some of the inherent risks and disperses the risks of the business platform. The average revenue of this platform is12%Around, the average borrowing time is7About a month, suitable for adventurous investment users.
For financial professionals, finding the right platform for themselves among numerous platforms is crucial. Transforming from a financial novice to a novice in financial management not only requires planning, but also patience.
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