Case
Daryl Storbury, a professional baseball player who has played for 20 years, has made 150 million dollars forty years ago, but he doesn't know how to invest. He just saves all the money in the bank and then uses it to enjoy it blindly. He has nothing to eat. In addition, his marriage has changed, his property has gone bankrupt, he is drunk, and he takes drugs, leading to his turn to beggars.
Introduction to investment and financial management
I don't know how many people have heard of P2F investment and financing. In fact, it is also called P2F mode, P2F financing and P2F finance, which is a new Internet finance mode. P2F refers to person-to-financial institution, which is a financing mode for individuals to financial institutions. P2F is mainly about individuals to financial institutions, and the biggest difference between P2P and P2F is here. Let's analyze the problem of P2F investment and financial management.
P2F investment and wealth management
On the P2F financial management platform, investors' funds are invested in the products of banks, funds, securities, insurance and other financial institutions selected by the platform. Because these financial institutions have complete risk control measures, they can ensure the security of funds and the stability of income from the asset side. The wealth management products of WeChat Wealth are mainly invested in financial products issued by professional financial institutions such as monetary funds and bank wealth management.
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Comparison of P2P, P2B and P2F
P2P is a person-to-person financing platform, and P2B is a person-to-person financing platform for non-financial enterprises. So, what are the differences between P2F and them?
P2P generally adopts the form of credit loan. The borrower is a personal unsecured loan with high risk. The annualized return range of investors is approximately 12-18%. Investors should pay attention to diversification of risks and avoid centralized investment and borrower risk.
The borrower of P2B is an enterprise, whose default cost is much higher than that of individuals. At the same time, enterprises are generally required to provide collateral and introduce guarantees, and the risk is lower than that of P2P. The annual return range of investors is about 10-15%. Generally, the financing scale of small and micro enterprises is in the range of tens to millions. The operation risk of small and micro enterprises is high. Investors should pay attention to the choice of target and platform.
P2F is the safest model among the three, because the financier is a formal bank, securities, insurance and other financial institutions, and the financial institutions have complete risk control measures, which can ensure the security of funds and the stability of income. The annual yield range of investors is about 7-9%, and the safety is much higher than that of general P2P and P2B products.
Conclusion
We should not think urgently when things happen. We should guard against one or two things for the future. So we should learn to think about how to invest our funds in financial management in this economic environment of the general depreciation of the RMB. We should have several ideas about financial management, that is, we must control the proportion of income and risk, make reasonable use of our energy and funds, and obtain the maximum income. Integrate and use according to your actual situation, choose the financial management method suitable for you, and realize financial freedom in a real sense.
