Entertainment Treasure Two Days To Buy More Than 210 Thousand Of The Risk Behind

Recently, Alibaba The "entertainment treasure" launched by the group is officially on sale. According to Alibaba data, as at 15 in April 1, 2014, the largest sales were "small time 3" and "small time 4". More than 50000 transactions were completed, and 114580 sales were accumulated, which has reached 13 million ceiling.

In addition, as of the 17 point of the day, more than 100 thousand netizens participated in entertainment treasure investment through Taobao mobile. When the product is pre sold, the number of appointments has reached 540 thousand.

Risks behind universal entertainment

For entertainment treasure, Ali's advertising word is "entertainment for all, you are also a producer!" with a contribution of 100 yuan, it can invest in 7% popular insurance films and TV dramas through the expected annual yield of the product.

A lot of investors in the balance treasure paid attention to and bought entertainment treasure. The expected revenue is 7%, and entertainment rights such as meeting with stars.

But the bank's Network Analyst cautions investors that Taobao's entertainment treasure is not the "brother" of the balance treasure. Its related investment varieties, capital mobility and risk level are quite different. The risk of entertainment treasure is much higher than that of the balance treasure.

It is reported that the first phase on the amusement treasure platform is an investment linked insurance product called "Guohua Huarui 1 life insurance A". The annual yield is expected to be 7%, and the guarantee will not be guaranteed. There will be 10 days of hesitation after the effective date of the product; 3% of the collection fee will be collected within 1 years, and it will be automatically collected after 1 years.

There is a big difference between insurance financing and cargo base.

Entertainment treasure is linked to an insurance company's investment linked insurance. What is the risk of investment linked? What is the difference between the monetary fund and the balance treasure? What is the difference between Taobao's selling insurance and financial management?

From the perspective of investment risk, insurance Conduct financial transactions The universal risk is guaranteed capital and guaranteed minimum settlement interest rate, and the risk is small. Although the balance of treasure linked Monetary Fund does not protect the principal and income, its probability of loss of principal is small.

Entertainment treasure neither guarantees capital nor guarantees earnings, and the risk of loss may be borne by investors. After the insured has purchased the linked insurance policy, the premiums paid almost all enter the investment account. The actual income in the investment account depends on the investment level of the company and the risk level of the project. The insurance company neither participates in the distribution of investment income nor undertakes the risk of investment in the sales and operation of investment linked insurance. In addition to the death of the insured, the risk of joint venture is almost no liability for the personal risks of the insured. Thus, entertainment treasure is the most risky among the three.

From the perspective of liquidity, the balance treasure has no redemption fees in advance, and supports many banks in real time redemption, liquidity is the best. The universal insurance and entertainment treasure of insurance and financial products are fixed for a long time, and the redemption fee is payable in advance within the time limit. The fee for entertainment treasure is 3%. The redemption rate of universal insurance products is different because of the different products. Investors need to pay attention to the specific terms of the product manual.

Based on the above comparison, we can clearly see that the balance of treasure and Entertainment treasure It is totally different two kinds of products, the risk of entertainment treasure is higher than the balance treasure, and liquidity is worse than the balance treasure. The bank analyst told investors not to blindly believe that entertainment treasure is the same low risk product as the balance treasure.