What Is a High-Yield Investment Program?

High-yield wealth management products, as the name implies, refers to the part of wealth management products that has a higher distribution income as stipulated in the contract. At present, there is no such type of wealth management product that can achieve high returns for trust. Of course, there are many trust products and their returns are not the same. There are high and low returns. This depends on the main investment direction and risk control of the trust product you choose. Sex.

High Yield Financial Products

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High-yield financial products, as their name implies,

First, choose a good reputation

1. Financial thinking

1) Current deposits and reserves cannot be allocated too much. Investors can use short-term financial wealth management products or have no fixed term.

2) In terms of the allocation of financial wealth management products, investors can establish the following ideas:

First, we should pay attention to the liquidity of wealth management products. After the interest rate enters the rising channel, investors will face greater interest rate risk: the yield of various investments will rise with the interest rate. If the long-term investment yield cannot fluctuate with the interest rate, it will cause actual losses for investors.

Second, in the context of rising interest rates, demand deposits and reserves cannot be allocated too much. Investors can use short-term financial wealth management products or open-term (open, rolling) financial wealth management products instead, such as ICBC s Smart Link "Online" and Bank of China's "accumulated daily accumulation" wealth management products, these products have the characteristics of "higher returns and can be realized at any time".

2, financial management practices

1) Term structure: super short-term replacement of cash

2) Single product: Funding is important

For unitary products, the investment direction is the decisive factor affecting the risks and returns of wealth management products. Investors can pay attention to the following points:

The first is to properly avoid policy-regulated industries and projects, especially commercial housing projects in the real estate industry.

The second is to focus on industries with policy support, and focus on financial wealth management products invested in these industries, such as financial wealth management products invested in water conservancy construction, power grid construction, and emerging energy.

The third is to treat financial investment products in consumer industries differently.

3) Structured products: carefully select the target

In terms of structured products, it is particularly important to choose a good target.

4) Exchange time for space for high returns

If investors can accept a certain degree of liquidity risk, investors are advised to deploy some structural wealth management products with relatively long maturity. Among them, they can pay attention to structural wealth management products linked to some red chip stocks, and use the "time for space" approach in exchange for Higher yield.