Is the financial management in WeChat safe?

The income of WeChat financial management is the income of the money fund, and the financial management rate of return promoted now is 14- 18 times that of the current period. In fact, the money fund has existed for many years, and it does not always have such a high annualized rate of return of 6 points.

Like Yu 'ebao, WeChat Wealth Management can be used at any time. Daily income can be included in the principal, and compound interest can be used to calculate income. While ensuring convenience, the money in the wealth management account can only be put into my bank card, which is safer than Yu 'ebao.

How to avoid the risk of WeChat financial management? 1 Don't put your eggs in one basket.

How to avoid the risk of WeChat financial management? Don't install messy software in your mobile phone.

How to avoid the risk of WeChat financial management? 3. Set different mobile phone passwords, payment passwords and bank card passwords.

Matters needing attention

Investment risk, mobile phone needs encryption.

If you don't manage your money, it will ignore you. If you can manage money, money can cure you. Joke, but the risk needs to be avoided by yourself.

Will wechat finance lose money?

The topic of whether WeChat financial management will lose money;

Licaitong is an Internet wealth management product launched by WeChat, which is similar to Yu 'ebao and mainly provides wealth management services. Users put their idle funds into financial management, and they can get a certain income every day. Will Licaitong lose money?

When users transfer funds to wealth management, they will find that the system requires us to choose a fund. Why do you keep your money in the choice fund of the Financial Association? Because the income of Licaitong is generated by its docking fund, putting money into Licaitong is equivalent to buying the corresponding fund.

There are four funds connected by Licaitong, all of which are monetary funds. Monetary funds mainly invest in projects with low risks and stable returns, such as national debt, bank deposits and bills. Although the money fund may lose money in theory, it rarely happens in practice and is highly safe.

If the money deposited in Licaitong is lost, it means that the money fund corresponding to Licaitong is lost, which is rare. Money funds will hardly lose money, and so will financial management. Investors will not lose money if they deposit money in financial management.

How to calculate the income of WeChat financial management?

The funds deposited by WeChat Wealth Management will not begin to calculate the income until the second working day, and the holidays will be postponed. Now let's have a look.

Daily income = (funds in the Licaitong account/ten thousand) * every ten thousand income announced by the fund company.

Therefore, if you deposit 10000 yuan in WeChat, the annual income is: 10000 * 7-day annualized rate of return. The rate of return fluctuates, and so does the rate of return for one year, but it can be maintained at the average level.

201465438+1October 18, the 7-day annualized rate of return of wechat wealth management is 6.4690%. If the principal is 10000 yuan, it means that your annual income is about 10000 * 6.469%=646.9 yuan, and your daily income is10000 * 6.469%/365 =1.77 yuan.

Because the annualized rate of return fluctuates, there will be a difference between daily income and annual income, and this difference depends on the fluctuation of annualized rate of return.

Related Q&A: Is WeChat financial management reliable? Personally, it is a relatively reliable product ~ and there are many kinds of products on it, such as money fund, bond fund, stock fund and hybrid fund. However, the safety and reliability of the platform has little to do with your final financial income, and the income depends on the product direction you choose. In the current market, I suggest you look at the fixed income plus on the wealth management link, mainly investing in bonds, allocating low-position stocks or hedging strategies.