Is there still value in buying trust products now?
Recently, there are still a lot of things in the financial market, whether it is the discount payment of political credit products, or the continuous risks of the tripartite wealth industry, the entire market will be affected. And then the customers who buy trusts are more conservative customers, so after they see these news, they will be more or less worried.
Therefore, I often encounter inquiries from customers asking how to invest in my current trustIs there still a need to invest?In fact, I have told investors more than once that the current trust products must be bought selectively. In fact, whether it is now or before, my ** has said that for trust products, our current screening must be different from a few years ago.
Before we bought a trust, whether it was real estate or political credit products, the redemption was very smooth. At that time, it was because the overall economic environment was relatively good and the economy was growing rapidly, so there were many problems, which would be covered up by economic growth, but it did not mean that there were no problems.
Now with the downturn of the entire economy, various risks have begun to emerge slowly, first of all, the products of the real estate industry, which have begun to have problems. Then some non-standard political credit projects in weak economic areas also began to have problems. And just recently, there has been a situation of discounted payment of political credit products, which was unimaginable before, but now it is happening. That's why I often tell investors that when we look at the market and see the project, we must look at it from a dynamic perspective, don't think what happened before, what will happen in the future, the market will never change is that it is always changing, so our investment logic is to keep up.
Therefore, I have been advising investors to focus on political and credit projects for a long time. Because this kind of product is bound to the local ** credit, even if there is a risk, the urban investment company will still recognize it, and we can also find the object of the lawsuit.
But for the area must not be the same as before, I thought that the economy was good, so I drew a circle, and then the projects inside were randomly selected, which is definitely not good. Let's take a look further down, especially the projects in Jiangsu and Zhejiang. Now most of the projects on the market are from Jiangsu, are they considered Internet celebrity areas?This is actually difficult to answer, a few years ago, it may not have been a big problem, but the market is changing, and the debt is also increasing, which can be seen from their recent financing frequency.
And their management ideas are also changing, it used to be a game of chess for Jiangsu's debt, will it continue now?I've always been cautious. Therefore, I have always suggested that investors should be treated differently for political credit projects in Jiangsu, especially for products such as perpetual bonds, and they must be more cautious.
In fact, the current market is not short of funds, what is lacking is good projects. Now there is a lot of money that has no place to invest, and there was still real estate to invest in before, and now there are very few optional projects. So now as long as there are good projects, they will be finished quickly. Is the trust worth the investment?In fact, the market has already given the answer, and for a good project, it must be worth investing in.
But how to screen the good projects, this is what we are going to do.
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