Is the WeChat Dream Project risky? Analyze the security of two wealth management products

Wechat Dream Plan is a savings plan of Wechat Finance. Simply put, it is to collect the funds needed for dreams by investing in wealth management products on a regular basis. So is the WeChat Dream Project risky? Investment in wealth management products is not reliable. Let's help you analyze it, and look down if you are interested.

Analyze the risks of the WeChat dream plan, first look at the content of the WeChat dream plan. First, invest in the dream plan. You need to set a dream and the funds needed to complete it, and then set the time needed to complete it. According to the time you set, WeChat requires you to transfer a certain amount of principal every week or month, and finally invest in the wealth management products of WeChat Wealth Management. Then the risk of WeChat Dream Plan is to look at the risks of these wealth management products. The financial products of Dream Plan include money fund and old-age security management products. Let's analyze them one by one.

I. Monetary Fund

Wechat Dream Project has nine optional monetary funds. The risks of nine money funds are similar. It is recognized that the risk level of such products is very low, and the risk of investment loss is very small. The investment scope of money funds is generally certificates of deposit, central bank bills, national debt and bonds with high credit rating. These investment products have low risks, so the probability of losing money by investing in money funds is very small, so don't worry too much.

Second, the old-age security management products

Although the name of the old-age security management product looks strange, many people are afraid to vote because they are not familiar with it. In fact, its risk level is not high, and the two old-age security management products that WeChat Dream Project can choose are medium-risk products. Its risk is slightly higher than that of the money fund, but there is no big problem. From the perspective of investment scope, old-age security products mainly invest in deposits, treasury bonds and bonds with high credit rating, followed by some securitized financial products, with similar investment varieties and less possibility of losses.

Based on the analysis of the above two wealth management products,

Wechat dream project is not risky.

. These two types of wealth management products are relatively safe, and you can get a stable expected return by saving money through your dream plan every month, so wealth management users can consider it appropriately.