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My investment in Internet Finance [Copy link] 中文

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Post time 2016-1-24 13:31:31 |Display all floors
This post was edited by 468259058 at 2016-7-2 17:51

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Post time 2016-1-24 13:36:57 |Display all floors
P2P, Peer to Peer Loan

By the end of 2015, P2P scale in the whole year had reached 982 billion Yuan. It rised 288% from 2014. P2P scale would probably reach over 3 trillion Yuan in 2016.

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Post time 2016-1-24 13:52:03 |Display all floors
This post was edited by 468259058 at 2016-7-2 18:40

My investment in P2P

I have also invested a little on Internet Finance Investment Platforms since the start of 2015.  Half of the Invetsment were going into P2P.

In 2014, I heard of a lot of "Yu'EBao" already. High interests drove me to put a little money there. It's my first investment in Internet Finance. The return interests was going lower and lower from the end of 2014. Fromm 2015, I began to invest in P2P,  bank acceptance bills, insurance finance, fixed-income investments,and crowdfunding, on ZhaoCaiBao platform, Suning platform, JD platform, and Gome platform.

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Post time 2016-1-25 10:54:38 |Display all floors
Risks lately

In 2016-1-22, Agricultural Bank of China(ABC)announced a major risk in illegal arbitraging Bank acceptance bills. The amount of Bank acceptance bills reached 3.8 billion Yuan. Probably a large portion wouldn't be cashed.

27 crowdfunding platforms were closed in last October. 14 crowdfunding platforms were closed in last November.

From 2011 to 2015, more than 3000 P2P platforms were popped out. However, 1302 of them have been closed.

It caused huge loss to investors in the bankrupt of these platforms.
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Post time 2016-7-2 16:43:58 |Display all floors
This post was edited by 468259058 at 2016-7-2 17:51

bond funds
It's my first to invest in bond funds. I invested 9300yuan through internet in this March.

The introduction tells that the bond funds invest fix-interest assets, such as state bonds, local-gov bonds, commercial papers.  
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Post time 2016-7-2 17:06:58 |Display all floors
This post was edited by 468259058 at 2016-7-2 19:25

commercial monetary fund

I moved most of savings in current bank account into commericial monetary fund through internet.  It's easy to draw money from the fund. The money would be transferred to my bank account in 1 minute after I placed an order through mobile app.

I got nearly 7000 yuan interest from Yu'ebao through Alibaba's alipay and about 5000 yuan interest from Lingqianbao through Suning finance.
It's also convience to invest in Jdqianbao through Jingdong finance and Meiyingbao through Gome finance.
All of the above 4 investments are commericial monetary funds.
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Post time 2016-7-2 17:50:22 |Display all floors
This post was edited by 468259058 at 2016-7-2 18:33

Universal Life Insurance (UL)

I began took a little money from P2P to UL at the start of 2016. It said that P2P had a high risk.

It's easy to buy UL in JingDong finance through mobile app. The insurance investments have a fixed date. We could draw back money anytime after the fixed date.
I have gotten nearly 10000 yuan interests from insurance investments through JD finance.
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