What about trust wealth management products? What is the risk of trust products?

With the sustained and rapid development of China's economy and the substantial increase of per capita disposable income, traditional savings methods such as bank deposits and national debt can no longer meet the financial needs of investors. The investment methods such as stocks, real estate, futures and gold require investors to have considerable professional knowledge and operational experience, and they fluctuate violently. The positioning of the trust company is "entrusted to manage money on behalf of the trustee". It can collect the funds of many qualified investors and institutional investors for portfolio investment, which is managed and operated by experts. It can also design indirect investment tools for investors, and the investment field can be combined with capital market, money market and industrial investment field, which greatly broadens the investment channels of investors.

Investors should not only look at the annual income of trust products, but also choose the corresponding term, appropriate risk and product liquidity according to their own requirements. Specifically, investors should focus on the following aspects:

One of the risks of trust financial products is to have a basic judgment on the positioning of trust products. Although the risks of trust products are relatively controllable and the returns are relatively stable, their basic positioning is non-debt investment products, so all normal market risks need to be borne by investors themselves.

The second risk of trust wealth management products is to have a mature investment mentality. Since it is an investment and wealth management product, it must bear the corresponding investment risks and market risks while obtaining relatively high returns. This trust product is exactly the same as other investment products.

The third risk of trust wealth management products is to choose a good trustee. Specifically, it is an important premise and guarantee for investors to control moral hazard and obtain good returns to choose an excellent trust company with good reputation, strong professional ability and trustworthiness as the trustee of trust property.

The fourth risk of trust wealth management products should consider its own risk tolerance. In the design process of trust products, the arrangement of risk value and return rate is very different, such as infrastructure trust, which generally has less risk and relatively low return; Securities investment trusts are generally risky and have relatively high returns. Therefore, investors should choose different trust products according to their risk-return preferences and affordability, and grasp the scale between return and risk.

The fifth risk of trust wealth management products is to choose a good trust manager. Trust investment shall be under the responsibility system of trust manager according to regulations, and investors shall make a detailed understanding and investigation on the relevant trust experience and past performance of the invested trust projects in advance.

The sixth risk of trust wealth management products is to pay attention to relevant information at any time. According to the requirements of the regulatory authorities, trust companies publish annual reports before April 30 every year. At the same time, the issuance, application, management and liquidation of the trust plan should also be disclosed on the company's website in time, and investors should pay attention to and understand it at any time.

In short, investors must determine their own trust products according to their own financial strength, future income expectations, tax payment status and cash flow distribution.

In addition, trust products generally do not carry out public product promotion and marketing. Most of them release some product information through the wealth management center or marketing center set up by the trust company itself. After becoming a trust company customer, investors can obtain the distribution and marketing information of trust products by telephone, SMS, mail and letter.

Specifically, the basic process of purchasing trust products is: obtaining product sales information; Understand the basic elements such as the starting point and duration of purchase; Telephone appointment registration; Research trust plan; Judging the risks of trust projects; Review the trust contract; Contact and check the trust manager; Decide on the scale of investment; Sign a trust contract; Pay funds