What was the result? Everyone knows that the platform thundered and he was cut with leeks.

Until now, Mr. Wang hasn't come out. After all, that's all the hard-earned money he has worked for many years. He has been thinking about why it thundered and why it was "cut". What bad luck

I couldn't figure it out either, so I asked him why he voted for this 800 thousand.

He replied that he was hesitant at first, and remembered that he was attracted for the first time because of a project activity initiated by the young monk Tang: investing 100 yuan, and he could return to 50 yuan in three days.

Hearing this, I probably understood the reason why he was "cut with leeks". It is definitely not the so-called bad luck, but the inevitable cutting.

If you invest 100 yuan, you can return to 50 yuan in three days, which means that the daily yield of this product is as high as 16.6%.

What is the concept of daily rate of return 16.6%?

The Provisions of the Supreme People's Court on Several Issues Concerning the Application of Laws in the Trial of Private Lending Cases clearly states that the interest exceeding 36% per annum shall be deemed invalid, and the borrower has the right to request the return.

In other words, the annual interest rate of 36% has exceeded the normal range stipulated by the state, and the borrower has the right not to repay the interest of more than 36%.

From the borrower's point of view, if it exceeds 36%, the borrower has the right not to repay interest. It is difficult for the platform to give borrowers an annual interest rate of more than 36%. How can it give you a daily rate of return of 16.6%, that is, the Millennium income?

There are two reasons, either the platform pays you, or this so-called product is a "sickle". Leek grows fat and tender, and runs after cutting.

Obviously, the reason that exists in reality can only be that you are "cut by leeks". Platform is not a fool. You think the pie falling from the sky is actually a trap.

So, where is the trap that Mr. Wang stepped on?

First, it is in line with high profitability, and it is 50% in three days, which makes people excited.

Second, it is in line with high liquidity, and as long as it takes three days, I am afraid it will not be collected.

However, it ignores the risks. How did you achieve such a high rate of return and such a short time? Therefore, there is only one result of waiting for investors, and that is to "harvest".

In reality, many people are often blinded by the apparent high returns and high liquidity. At the moment when they saw the high income, their money-smashing hands could no longer be closed, and they dreamed of making a fortune soon. However, they always ignore risks. Everyone thought they wouldn't be the one who couldn't get off the bus. What if someone takes over?

It has never been a slogan that high returns are accompanied by high risks. Just shout and remember.

It has the underlying logic, which is commonly called the "golden triangle" of investment: security, profitability and liquidity.

safe

Safety is the first priority before our investment.

Is the fund safe? What are the risks of this investment project? Will the principal be lost? How much loss can you accept? Is your partner reliable? Wait for these questions, please think again.

For investors, the real danger is not the risk itself, but not knowing where the risk is.

If you only see the high return on investment and ignore the risks, you are likely to be confused by the so-called high return, and the principal will suffer losses and even go back.

Of course, you don't have to be too afraid of risks to invest. Different investors have different risk preferences and different sensitivity and tolerance to risks. Therefore, when making investment decisions, you must choose products that match your risk preference.

profitability

When most people buy wealth management products, they are most concerned about the rate of return. How much return can this investment bring me? What is the return on investment? Is this income low, medium or high for me?

When considering the benefits, many people will go into the misunderstanding, that is, to pursue the maximization of benefits. This is very unwise. In the pursuit of high returns, security will inevitably be sacrificed, because high-yield investment will inevitably be accompanied by high risks.

Risk and reward are twin brothers. Therefore, we must find a relatively safe rate of return that matches our risk tolerance and can achieve our goals, rather than the higher the better.

liquidity

Also known as liquidity. In addition to income, time is also very important, so time should be regarded as a very important factor in any investment.

There are two factors to consider, that is, the amount of assets realized and the speed of time. For example, real estate, although the asset value is very high, may not be able to find a buyer to trade soon, and the time period for realizing it will be longer and the liquidity will not be high.

In real life, there are actually two ways to make money, either taking risks or trading time for space. Therefore, when choosing wealth management products, we must understand the "golden triangle" of investment-safety, profitability and liquidity.

So, how to grasp the "golden triangle" of an investment product?

1) Whether it is legal and compliant, the wealth management products must be recognized by the regulatory authorities and must be legal and compliant.

2) Safety, liquidity and profitability, just like fish and bear's paw, cannot have both. We either sacrifice liquidity for long-term investment to gain income, or take risks to gain income.

3) The most important thing about basic assets is whether the funds are safe and where the basic assets are invested.

4) Risk management measures such as risk control ability, mortgage and guarantee.

5) What is the investment platform, who is the actual controller of the company, and what is the background of the company's shareholders?

6) What is the past performance, whether there is a bad record, whether the main person in charge has a criminal record, and whether the funds are safe are all very important.

Any wealth management product has both safety, profitability and liquidity, and each has its own advantages and disadvantages.

Many times, it is difficult for us to find a single financial product to achieve the three-sex balance. Therefore, we need to choose a single financial product and try to choose a product that is more in line with our financial goals.

Cash is a universal financial management tool. When managing money, we must pay attention to whether it can be converted into cash, invest in various financial products, such as stocks, bonds, gold, etc., and examine its liquidity.

Generally speaking, security and profitability must be antagonistic. They are like the ends of a magnet. You can't have your cake and eat it.

The safer the investment, the lower the return;

Similarly, if you want to get high returns, you have to take high risks.

However, the logical order of safety and profitability must not be wrong:

The safer the investment, the lower the return, but the lower the return does not mean that the investment is safer.

High returns are bound to bear high risks, but taking high risks does not necessarily bring high returns.