P2P平台与基金到底哪个好

2025-03-15 11:33:12
推荐回答(1个)
回答1:

您好,基金依据风险程度不同,一般基金的种类可以分为以下几种
1.股票型基金:股票型基金大多数资金投资于股票,属于高风险理财产品,同时高风险也会带来高的收益,一般年收益率可以在15%-20%。
2.指数型基金:指数型基金是根据某个指数的涨跌而涨跌。风险中等,一般收益在10%-15%。
3.债券型基金:债券型基金以债券作为主要投资对象,风险相对更低一些,一般年收益率在5%-10%。
4.货币性基金:货币性基金主要投资银行存款和企业债券等,几乎没有风险,年收益率和银行定存年收益率差不多,一般在3%-10%之间
P2P
投资风险:有一定的风险。
年化收益:10%-20%左右。
投资门槛:一般100元起投。
点评:目前国家监管政策正在下发整改,P2P理财平台会越来越正规,鉴别P2P平台可从以下五方面去考虑1、平台运营模式2、第三方资金托管3、风险保障金4、专业的金融团队5、P2P理财平台年限
不管哪种理财工具,也不管是正面的还是负面的,只要您多关注金融市场,多关注财经新闻,谨慎一些,那风险还是很小的

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