National Day Financial Products PK, which is more attractive?

"11" Before the long holiday, some investors may have sold shares, redeemed the fund, or financial products expire, but where is the liquidity of the temporary deposit of high and good liquidity? In the Internet financial hot today, "Baby Wealth management Products", "Peer-to-peer investment", "Bank of their own babies" are more robust investment. These products relatively high profitability, liquidity is strong, but the characteristics of the investors actually put the money where more suitable for their own?

Internet "Baby": High Mobility

The Internet "Baby" has become a good source for most holiday money due to its strong liquidity. Since last year, the balance treasure and other Internet "baby" turned out, set off the first wave of internet finance climax. In the "Balance treasure" led by the internet, "baby" products with its low threshold, high convenience and relative benefits to attract a large number of participants. Subsequently, Tencent's micro-letter also United Huaxia Fund launched a micro-credit management Qualcomm, Baidu, Beijing-east, NetEase and other internet big guys have launched the internet "Baby" products.

Specifically, the Internet "Baby" first in the convenience of purchase is significantly stronger than the banking department "Baby" and banking products. Banking department "Baby" generally need to go to the bank counter for signing, and the Internet "baby" directly in the Web page after registration can be purchased. For example, the balance treasure, only need to register Alipay account can directly open the balance treasure, and micro-mail and other "baby" products basically only need to bind the bank card can directly purchase related products.

On the threshold, the Internet "Baby" low to 1 cents the threshold is also favored by investors. For example, for many investors, if the holiday of some idle funds or the need to save money each month, deposited in the balance of the Internet "Baby" is more appropriate choice.

As investors are more concerned about the gains, the internet "Baby" income is currently between 4%-6%, than the current demand deposit 0.35%-year yield of 10-20 times higher. Affected by the National Day holiday, the current internet of various "baby" income began to rise to a higher level, of which the balance treasure on the September 26 yield of 4.218%, compared to the previous session of 3.8 basis points;

In the use of convenience, the Internet "Baby" is obviously more than the bank "treasure" has advantages, such as Alipay and Tianhong fund to launch the balance treasure shopping is very convenient, from Alipay to the balance treasure to buy money in Taobao can be paid directly. In addition, Suning introduced the change treasure and other Internet "treasure" can support shopping. The various "treasures" of banks do not provide these value-added services, they are more important is the investment function.

Business Report: In addition to income than demand deposits, the Internet "baby" liquidity in various types of investment products in the first place, and second only to bank demand deposits. At present, the Internet "Baby" can be purchased at any time redemption, the same day to the account. Investors can put some extra money in the "Baby" on the internet, and then choose how to invest after the holiday.

Banking Department "Baby": more Convenient offline consumption

Ali and Tianhong fund under the birth of the "mixed-blood baby" balance treasure, its huge success to make the bank eyebrows, the pressure of the bank has also replicated the balance treasure model, including the Bohai Bank's "Tim Jinbao", Pu-fa Bank "Pfabao", China Merchants Bank "towards the full", ICBC's "Pay Treasure", BoC's "Current Treasure", the bank's "fast Overflow , Ping An bank's "safe surplus", Minsheng Bank's "Ruyi Treasure", Citic Bank's "salary pot" and the GF Bank's "Smart Gold account" and so on. In the face of the national Day holiday, the Bank of the "baby" what is the exclusive cheats to attract investors attention?

In fact, in terms of profitability, since all are docking funds, the banking system "baby" and the Internet "baby" products do not have much advantage. For example, as of September 26, Citic salary bao linked to the value of the Money fund 7th annual yield of 4.374%, Minsheng Bank Ruyi Bao linked to the people's Livelihood Silver Cash Fund 7th Annual return rate of 4.683%.

And the balance treasure of ultra-low subscription starting point similar to the current banking department "Baby" first subscription, the minimum threshold for the purchase of 0.01 yuan. On the investment ceiling, however, China Merchants Bank only allowed investors to subscribe for 50,000 yuan, the lowest in all banks.

As we all know, the internet's "baby" redemption and consumption are limited. For example, the balance of treasure can be used for Taobao consumption, Jingdong Treasury used in Beijing to buy products, but Citic Bank "pay pot", the Bohai Bank "Tim Jinbao" can be directly through ATM to withdraw or transfer, by contrast, more suitable for cardholders during the holiday travel, shopping. According to Citic Bank related sources, the cardholder needs to use funds, no need to issue redemption orders, Citic Bank's background will automatically achieve rapid Monetary Fund redemption, to meet customer real-time access, consumption or transfer and other types of payment needs. The product support t+0 redemption, 24 hours can be realized in real time, single account redemption limit of 500,000 yuan. Moreover, in the weekend can also be quickly become present.

In addition, the GF Bank's "Smart Gold Account" is also a strong automation of "baby" products, customers set up the account retention amount, the surplus funds automatically purchase easy to reach the monetary Fund, and credit cards can be automatically repaid.

Business Report: Comprehensive view, the banking department "Baby" product yield is significantly lower than peer-to-peer products, but the security is very high, very stable, liquidity is also strong, after the festival can immediately redeem, do not affect the stock market and other fields of investment. In terms of convenience, if investors have more shopping expenses during the holidays, it is very appropriate to choose CITIC Bank's salary pot or the Bohai Bank Tim Jinbao.

Peer-to-peer Products: higher yield for a slightly longer period

Peer-to-peer (Peer to Peer) wealth management products with high income, low threshold, fast trading has become a lot of "grassroots" investors favorite, a time Peer-to-peer platform surging. For many investors who are slightly at risk, choosing a peer-to-peer product is also a good choice.

Compared to the internet "baby" products, Peer-to-peer products more than 1 months, more than 1-3 years of time, mainly because Peer-to-peer products for the loan products, that is, eligible borrowers through the platform to publish their own borrowing information, and then a number of investors co-financing, in a fixed period of time to obtain the principal and corresponding interest of the Act.

Although the mobility is less than the internet "baby", but compared with banking products, the yield is much higher. Beijing Commercial News reporter consulted a number of Peer-to-peer platform site noticed that Peer-to-peer products yield more than 8%, many in 10%, there are many platforms can be rushed over 15%, but the platform does not recommend inexperienced investors to try.

In the threshold, Peer-to-peer products are also low threshold, high yield. Such as Pat credit the latest product Pat Bao, users use the tool to automatically invest in the loan on the platform based on a predetermined expected rate of return, and the monthly returns (including principal and interest) generated by the automatic investment will continue to be automatically invested during the service period until the end of the service period. Pat Bao Product starting purchase amount of 1000 yuan, a fixed period of 3 months, the annual return rate reached 8.8%.

It is worth mentioning that a lot of inexperienced investors can take the lead in choosing a veteran, have custody, the country's head of the investment platform. such as China Ping ' an Lu Jin, HNA Group's Hula loan and cooperation with the country's head of the platform flower and fruit finance. Hula Loan platform is the establishment of HNA Logistics group, compared to the fiery network of various types of Internet financial platform, the goal of hula loans clearly for individuals and SME customers to provide investment and financing services.

The investor's investment way is also very simple, may select to invest the platform to register the registration, to fill in the fund, and so on has the suitable project on-line to carry on the tender, the expiration repayment payment interest. It is best to choose a platform with custodian, such as flower and fruit finance to introduce insurance, investors can buy the corresponding type of insurance, if the bad debts, then the insurance company for the first payment and collateral digestion.

Business Comment: Although the high income will attract a lot of investors eyeball, but peer-to-peer products are new things, first of all investors should choose a better reputation platform, followed by "eggs can not be placed in the same basket", you can take a little water before the holiday some short-term products, and then further investment.