How To Choose Wealth Management Products To Increase Your Wealth?

Suddenly, like a spring breeze, 2013 to the present, the Internet Conduct financial transactions It's a big hit. In addition to the balance of treasure, now Jinbao, business treasure, income treasure, zero money treasure, demand treasure, Yi Fubao...... A variety of financial intelligence devices based on Internet sales have emerged. A variety of channels to choose "money never sleeps" is the core principle of financial management. In fact, in addition to the popular "treasure", "treasure", there are still some Internet financing methods that are not familiar to many people.

　 A participates in "crowd raising" as angel investor

You may not imagine that your 500 yuan current account, which is almost ignored in your account, can actually make you an angel investor with a very potential small company. Yes, this is a completely new mode, which is essentially different from the new type of debt investment of P2P network loan. Although it is all based on the Internet platform, there are few people who are trying to raise public funds, which means that a new equity investment mode has been opened up.

　 Chen Shu is such a man who is brave enough to eat crabs.

In the 90s of last century, when he was just 19 years old, he began to invest in bonds, futures, stocks, precious metals and so on. "Have been trying new investment channels, from the capital market to the industry gradually." Now, he invested in a Sichuan restaurant in Kunming Dianchi Road, becoming the 7 one. clothing The Yunnan general agent of the brand also has a group of friends who have bought more than 700 square meters of top office buildings. Although the investment amount of each project is only a few hundred thousand yuan, it is these small projects that are hardly involved in operation, which gives him a good income every year.

　　 In October last year, he first turned his eyes to Internet finance.

"At that time, a friend from Beijing found me and hoped that I could participate in his project investment. This total investment of about 7 million yuan will be the investor at least 120 thousand yuan." Chen Shu said that it was this attempt that led him into the crowd raising investment mode.

Before that, Chen Shu's life and traditional impression of angel investors almost have nothing to do with it. He will neither look for a project nor know how to contact the entrepreneur team, nor do he know how to control the corresponding risks. Of course, according to Chen Shu's investment habits, investment of not more than one million yuan each time, and Xue Manzi and other famous angel investors, millions of investment and even tens of millions of investment, can be seen as a magic weapon, let alone the entrepreneurial team.

The so-called Crowd Funding is a mode of Internet finance, which means raising funds to the public. Small and micro businesses can raise funds on the Internet to many investors through "crowd raising".

The investment form of the crowd raised Chen Shu's habit of diversification, capital dispersion and small injection. Later, he found several good projects on the public funding network, and invested about 3000000 yuan of funds successively. "There was a very good project. I also went to Shenzhen to see the founder of the company. I felt that the management of the company was very reliable, so I invested 400 thousand yuan in the first place. Finally, several people followed me to invest."

In the angel CEO LAN Ning Yu, Chen Shu, their "small angel" group is bound to continue to grow: "those who just cash in the company, listed, get the first pot of gold, are willing to invest money to support their own entrepreneurial team. In addition, like some business executives, if they earn a certain level of income, they can generate 10% to 20% of their income each year for the allocation of high-risk direct investments.

Investment reminder

But it is worth noting that angel investment is ultimately of high risk. Angel exchange senior venture manager Yao Jia reminded that, once the project is successful, angel investors can get several times or even a hundred times earnings in one or two years, but "98% of the normal Internet start-ups and 99% of the teams fail." From the investor's point of view, the success rate of 10% is the average level of the market. All people should be prepared for trial and error, and those with no experience should be more careful.

And the bigger risk faced by the public sector is that such financing is still in the vague area of law and regulation in China. If it is not careful, it will easily involve illegal fund-raising. In 2012, the US micro media, which was engaged in the TV program, sold the original stock in Taobao, and a total of 1191 members participated in the subscription. The total number was 680 thousand shares, with a total value of RMB 816 thousand yuan. But the transaction was not completed and was officially closed by Taobao. The Alibaba announced that the Taobao platform was not allowed to offer public offerings.

According to China's securities law, the issuance of securities to a specific object and the issuance of securities to a specific target amount to more than 200 people are all publicly issued securities. Once the securities are publicly issued, they must be approved by the SFC or the department authorized by the State Council.

B compliance network loan is also a good channel.

If you have 5000 yuan of spare cash, you can divide it into 10 parts, invest in 10 different projects, and become 10 people's creditors. This is what a network loan company called a profitable network is doing.

In another well-known net loan company, "everyone loan", the share of investment can be cut even smaller. The money will be invested in 20 projects, with a maximum investment of only 5% of each project. The aim is to diversify the risk of investors.

In reality, becoming a creditor of 10 or 20 people is a very troublesome matter, but the Internet is easy to handle.

Network loan is commonly referred to as the "P2P" mode. That is, the Internet as a platform to match borrowers (peer) and individual investor (peer) transactions, investors are good at projects and lend money to people in need. According to the different ways of risk control, P2P network loan has many forms in China. According to project risk and guarantee mode, the interest rate difference is also larger, and the annual interest rate is from 10% to 20%, which is 3 times of the current deposit interest rate. The interest rate is determined by the market, but it will not exceed 4 times the "interest rate on the bank loan" of the same period stipulated by the law. The biggest difference between banks and banks is that the amount of network loans is not high, but there is no collateral, which belongs to personal credit loans. Most of them are small transactions of tens of thousands of dollars.

Many young people are willing to try this kind of Internet based investment. Among those who have a net profit, 20 to 30 years old investors account for 56%, and the funds they deposit in accounts are between 5000 yuan and twenty thousand yuan. As investors, they first look at all kinds of loan items through the website, choose the borrower, the amount of investment and the degree of risk, and lend money. Finally, according to the term of the loan and the terms of repayment of principal and interest, the agreed interest rate and income are obtained. The investors who participate in the network loan have greater coincidence with the users of the balance treasure, but in terms of professionalism, the former is deeper and more willing to take certain risks to exchange for higher returns.

In the traditional mode of bank lending, depositors lend money to banks, and banks then lend money to demand side based on collateral or credit rating. Money flows between the three, and banks earn profits from them. But P2P Internet lending has changed the pattern of commercial banks that lasted for hundreds of years. The Internet as a trading platform, the supply and demand sides of the funds are directly traded, and interest rates follow the market. The role of banks is merely to open accounts. Zopa is the first Internet lending website in the world. Its slogan is "abandon banks and we have better deals".

Statistics show that in 2013, "everyone loan" made a total loan of nearly 2 billion yuan, with an average loan of 40 thousand to 50 thousand yuan per loan. Half is for business needs, the other half is decoration, tourism, shopping and other consumer loans. Due to the participation of funds, a loan target was on-line, and it was separated by investors in less than a minute. '

Investment reminder

Whether in favorable network or "everyone loan", the annual interest rate formed by the market is around 12%, which is close to the international level. However, it needs to be reminded that unlike the P2P network loan companies in the US, domestic companies lack the perfect citizen credit system. Therefore, they must find out a set of risk control system. This is also the most worrying problem for all investors. How can we increase the amount of bad loans? Can we still borrow the money? Banks have national credit as endorsement, while Internet loan companies have no regulatory agencies, so what should we do?

Alipay will push "mind pay"

Touch the fingertips to complete the payment.

Recently, Alipay Official micro-blog said Alipay labs has been developing "IDEO payment" products, which will be implemented through Alipay wallet micro finger wearable devices.

Specifically, this idea payment product will enable traders to collect payments, as long as fingertips touches fingertips, wearable devices will read human brain waves and translate into transaction information, so as to complete the payment, during the transaction, the two sides will have 1 to 2 seconds of feeling of numb.

Alipay public relations responsible person responded that Alipay labs is indeed developing related "IDEO payment" products, but is still in the conceptual stage, and there is no product on-line schedule.