How to choose Trust products for high net worth families [million Olympics]

Source: Fortune Wealth Management Community

Introduction: Trust as a wide range of investment, product diversification, high yield, relatively controllable risk varieties, more and more investors, especially high-end investors agree. So how do investors choose a trust product that has $ millions of worth of investment assets (net assets excluding self-housing)?

Households with investment assets of more than $5 million

In the selection of trust products, the level of income, the length of trust, the way to pay the trust income of Vano, and the way to increase the credit are the issues that investors should pay attention to. The income of trust product is divided into two kinds of fixed income and floating income, and the trust period is linked with trust income. At present a year or so of trust product liquidity is strong, more than two years of trust products tend to be higher earnings. There are several ways to pay for a trust income, such as quarterly payments, half-yearly payments, one-year payments, and project expiry payments. In addition, the collateral and pledge in the trust enhancement measures should be fully considered.

Households with 3 million yuan of investment assets may choose the trust products, such as loans with sufficient collateral or guaranteed by high-quality enterprises, such as the transfer of income rights, with a certain proportion of corporate equity investment or securities investment trust products. In terms of product term selection, Vano investors can invest their major funds into moderately liquid products with a period of about 1 years, and appropriately configure strong liquidity cash-based products with flexible redemption terms, and investors with more relaxed financial conditions can buy 2-3-year products and lock in higher earnings ahead of time.

$3 million households with assets to invest in

With more than 5 million yuan of investment assets of the family, to engage in business or high-end professionals, to engage in the industry has rich experience and professional knowledge. The family has entered a relatively mature stage, the wealth accumulation has a certain scale, enough to pay for future children's large education funds and their own retirement cost of living, risk tolerance is strong. How do these families manage their finances and gain higher investment returns?

There are two main features of this type of family finance: one is to ensure that family assets are independent of the company's assets and to maintain long-term stable value-added, and that some household assets are required to have a higher liquidity, when the company needs cash, the family assets can be quickly realizable, the company to give liquidity support.

When purchasing a trust product, you can take the following investment strategies:

First, the acquisition of 405 of its own funds to buy fixed income trust products, on the one hand to ensure the stability of household assets, on the other hand through the bankruptcy of trust mechanism, so that family assets completely independent of the company's assets, not affected by the company bankruptcy, debt. This type of trust product on the market has a trust product which is secured by a high quality enterprise with sufficient pledge or high rating;

Second, the withdrawal of 303 of the funds to purchase within 1 years, can be terminated early, more liquid trust products, such as the credit million Olympic Asset Transfer Trust scheme, the Joint Loan Trust program. This kind of product rating is high, the liquidity is strong, is advantageous to the enterprise or the family when needs the fund, can in the short term be able to become present;

Third, the remaining 307 of the funds to buy some of the higher level of equity-type trust products, especially investment in some of their own more familiar with the industry's trust products, although the risk is high, but more able to play the advantages of investors professional judgment ability. This type of trust products on the market include real estate equity investment trusts, securities investment trusts, and PE trust products.

In addition to the above factors, more than 5 million yuan can be invested in asset family finance, can consider professional institutions tailored structured Trust product portfolio, in order to meet the value of the letter property preservation and appreciation, while addressing the liquidity problem.

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How to choose Trust products for high net worth families [million Olympics]