Is it appropriate for novice investors to buy financial products with a rate of return?

It is appropriate for novice investors to buy financial products with a rate of return ？

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Take the answer 1：

Some financial products , Very high , Hold a candle to 10% above , I don't think it's reliable ; And some financial returns are also 3%—5% Between , The risk seems small , however , Think about inflation , I'm afraid this kind of financial management will take longer , The more money depreciates . As for the stock market and other capital markets , The risk is particularly high . When the cost performance ratio of risk and return is relatively high , The rate of return is appropriate ？ Calculation of expected rate of return ： Our funds are lent out , Input entity , The growth of entities should be the most basic manifestation of capital gains , At present, our country GDP yes 6.5% about （ Inflation has been taken into account ）, In addition, considering the transaction attrition （ Service Charge ）, therefore 7% The yield of about can keep up with the economic growth . however , Official statistics are often problematic , The money supply of the whole society , It most truly reflects the depreciation degree of funds , at present , Broad money supply （M2） by 8%—9% Between . therefore , If money doesn't depreciate , The expected rate of return can reach 9% Left and right is the best . Current financial products in the market ：1. National credit financial products . national debt （ treasury bill ）、 Central bank bills 、 Discount rediscount and bank deposit products . This part of the product contains national credit , Return can be regarded as risk-free return , The current market is probably 2%～4% Left and right benefits . This is also a bond 、 The benchmark interest rate of bank financial management design .2. Financial products that can basically be rigidly cashed . Mainly including banks 、 negotiable securities 、 Insurance and other financial products , It can also include monetary funds that invest in various bonds and yu'e Bao 、 Baidu Baifa and other investment products related to bank capital operation . The basic rule of operation is through these monetary funds 、 Financial products attract bank deposit funds with low risk preference , Such products can be seen as a shadow system of bank deposits . at present , Monetary fund 、 The one-year yield of financial products is 3%～7% Between , Unless there is a systemic risk in the economic and financial markets , A single product is less risky . The state has an implicit guarantee , It can be considered as rigid cashing .3. Trust products . Trust products 、 Financial products derived from bank credit, such as asset management of securities companies and fund subsidiaries , The one-year term yield of this part of products is 7%～11% Between . Theoretically speaking , This part of the product is bank loans 、 Shadow system of non-standard investment , Investment risk should be slightly higher than bank loan risk , Therefore, the situation of default is higher than that of bank loans . Indeed, some products have begun to default in the market , But in the end , Or are they all cashed . It can be said that this part of products still have the soft rule constraint of rigid cashing . however , at present , The voice of breaking the rigid cashing of this part of products is also getting higher and higher .3.P2P Internet financial products . With P2P Internet finance, represented by, connects private finance and traditional financial institutions , It has built a bridge between the investment of small and medium-sized funds and the financing of small and medium-sized enterprises , It has opened up channels for small and medium-sized funds to improve their income , At the same time, it also improves the availability of financing for small and medium-sized enterprises , It's developing very fast . at present , The yield of these products is distributed in 8%～20% Between , Mainly short-term , The loan interest rate of small loan companies is basically included in this range . Those with low interest rate pricing are close to trust financial institutions , Those with high interest rate pricing are close to private loan sharks , Its fluctuation range is large . From time to time there is a situation of running away . At present, this part of the product is being standardized .4. Private financial lending . There are many institutions involved in private finance , There is a pawn shop 、 Guarantee company 、 Real estate agency 、 Investment companies and even some small loan companies . At present, the average interest rate of Wenzhou private loans is 18% about , But in fact, the interest rate of many private loans is 30% above , Some are even as high as 60%. This part of the product is also the most risky one . summary ： These are the main financial management methods of Chinese residents , Most people like first 、 Two category , But , These two types of highest yield are no more than 7%, It is impossible to beat the money supply , So most people's money is devalued . actually , trust 、 Internet financial products can also be considered , Especially issued by large formal institutions , Theoretically ,9% About the annualized earnings for these companies （ formal ） Come on , It's all about making money , Therefore, the risk is controllable . With the decline of our economy , Such high returns are unsustainable . Investment trust products in the previous two years ,15% The annualized income of about is not rare , And there has never been any risk . however , Now the mainstream trust products are 8% Around the . This means that the income of financial management is also changing with economic growth . Now the annual income of investment and financial management exceeds 12% Everyone should be careful .

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