1. Treasuries, deposits, capital-protected fixed-income bank wealth management.
These products are invested in the time of the yield are established, that is, in the purchase of the time to see this yield, you can guarantee the return, basically no risk. Of course, the return on these products is very limited, usually between 4% up and down.
2. Money fund, non-principal-protected fixed income type of bank finance,
Money fund is mainly invested in money market instruments, and what is money market instruments? It is within one year of the interbank certificates of deposit, these certificates of deposit split between banks, including the one-year period of less risky bonds, this return can not be predicted in advance, but its return is more constant, generally will not be a loss. That non-principal-protected fixed-income banking finance is very common banking finance, banks in the issuance of a period of time, there is also an expected return on earnings, although the contract does not write capital guaranteed, but generally not a big problem. Money fund collection yield is generally in 3.5% to 5% ranging, a little slightly higher some slightly lower, bank wealth management is generally between 4% to 4.8%!
3. Fixed income brokerage management, fixed income insurance management.
Mainly securities companies and insurance companies active management of products, mainly invested in interbank certificates of deposit, the bond market, but does not provide for the same as the money fund, investment in less than one year, most of the current brokerage management insurance finance is to run in the form of a pool of funds, the returns are told in advance, the contract does not write the capital guaranteed, the risk is higher than the risk of bank wealth management comparison.
4. Bond funds, CPPI structured finance.
The risk of these two types of products will be slightly higher than the bank management, not guaranteed returns, but it is a little less risky than the trust and P2P.
5. Project class trust, P2P.
These two types of products are more risky, is based on the quality of the investment target and investment properties to determine, if the borrowing of money that set of people to pay back the ability to be very poor, or the project class trust hanging a bad project, will produce a loss of principal, the trust to break the rigidity of the payment, but the risk is not too small, the past to see that the rate of return can reach 6% to 8%. P2P reached more than 8%, specifically how to pick P2P can look through the questions I answered there!