What is Jingdong Super finance?

"Super Finance" annual fixed income 8.8%

In fact, as early as the Beijing-east coffers on the line, Jingdong Finance has begun to reveal that it will launch a high income management products. Yesterday, the product's publicity page officially on the Beijing-East financial page. Press to enter the introduction of the product, the page impressively written "Beijing-East finance the first Super finance", 2014 fixed-year 8.8%, only 1 billion, April 15 opened Rob.

But the detailed introduction of the product is pitiful, but the product is summed up as "high, province, free", which is high: family finance against inflation; province: The ratio of half a year's redemption fee is only 0.001; exempt from quarterly cash redemption fees. As can be seen from the above words, it should mean that the yield of the product is higher, can effectively resist inflation, and the redemption rate is low, only 0.1%.

In addition, there is only one activity rule on the page, which prompts the product to open and Rob on April 15 with limited amount. There is no mention of the threshold of purchase and how to limit the individual.

Analysts are sure the product is not a base

In the face of 8.8% such high returns, the key is also known as the same year, fixed income, I believe many investors have been ready, then, in the end Rob or not Rob?

Investors who like to buy Internet babies should be aware that both the balance treasure and the financial management pass are money funds, which are the lowest risk species in the fund. From the Beijing-East Finance introduction This product's very few figures, we still can see "quarterly periodic payment" such words. The message is that this is probably not a monetary fund.

This recognition was confirmed by the Silver net analyst, who believes that there is such a high rate of return, and there are redemption rates, and regular payments, the above three characteristics indicate that this high yield product is necessarily not a monetary fund, the base not only without redemption fees and there is no regular payments.

Advising investors not to look only at high yields

So, what kind of fixed income products can achieve 8.8% of such annual income level?

Silver-Net analysts think there are two possible one is that the product may be linked to a bond fund, and from the fixed annual income of 8.8% this inference, it is likely to be the agreed earnings of the graded bond fund, but analysts think there is no such high yield of the agreed income rating bond Fund, Will the shortfall be subsidized by Beijing East?

The second possibility is to pay bond funds on a regular basis, a bond fund that is more in line with the promotional features. But if the bond fund is paid regularly, then the so-called 8.8% of fixed-year earnings may not be appropriate.

Because the regular payment bond fund does not emphasize the capital increment, in order to provide investors with regular cash inflows, the simple point is that even if the return of less than 8.8%, the fund will be agreed to the time limit and yield to investors, but will reduce the investor's share of the principal, so this rate is not generally understood the meaning of the last year of the yield.

Conclusion: Therefore, the silver Rate Network analyst remind investors need to calm analysis, do not blindly invest. Although the high rate of return is tempting, it is best to know in advance what the high income products of jingdong are linked to, the distribution mechanism of the products and the time limit of the funds.

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