has updated its personal real-time operation, and it also brings a successful conclusion to the first half of the year.
In the previous "A Little Surprise" article, the individual's dividends in Chengtou have accumulated 196 times.
On the last day of the first half of the year, three more transactions were collected in a row, and Chengtou’s cumulative dividends reached 199 times..
So far, I have purchased 12 bids mainly for urban investment bonds, 3 of which were additional investments.
I have personally bought urban investment bonds 57 times in history.
Main operations in January and June
The eleventh and twelfth bond bidding: departure.
can be directly clicked to view the original text in the official account. The current positions of
are as follows:
mainly buys urban investment bonds. The principal amount of standard bonds has reached 310W, and there is still 345W of non-standard urban investment bonds to be collected.
Starting from the end of last year, it took half a year to increase the proportion of bid debt to 47%.
Even though we didn’t buy any non-standard urban investment in the first half of the year, our reimbursements from the non-standard urban investment were all paid on time, and none of them were paid late. In addition, we have collected a total of 199 repayments in the past, and none of them were paid. It’s a great thing to have experienced substantial risks.
We are also confident that the uncollected assets in non-standard urban investment projects will be able to escape unscathed in the future.
After switching to buying tender bonds, although the yield is a bit lower, we believe that compliance risks and liquidity risks can be reduced by at least 90%. Of course, the ultimate risk is likely to be the same.
Most of the managers who worked on urban investment bonds in the past are still working hard. Although we have not invested again, the managers who have cooperated with us are still performing their duties responsibly. , post-loan management obligations, we are also actively communicating and understanding the latest developments of the platform.
Most of the people who work on urban investment bonds want to continue doing business in urban investment bonds for a long time and are looking for long-term benefits. Personally, I will continue to play around with urban investment bonds for a long time in the future.
After it came out in 2018, many people who went to buy Internet deposit products have stepped in from several rural banks in Henan. Many times, choice is really more important than hard work. If you go in the right direction, you will get twice the result with half the effort. , the direction is wrong and efforts are in vain. When I was playing P2P before, I once went to a P2P platform loan store and stayed there for a week, but no matter how hard I worked, the actual results were mediocre. There are also those who went to play in funds and stocks, and it seemed that they were doing it in full swing, but when they came down, they were still struggling to get their money back.
2. Overview of the net value of ’s positions in ’s bid bonds
Note: The following information can be checked on the official website of the manager, custodian, or fund company.
, the first
mainly buys Zhongn No. 2 of Sichuan Urban Investment Bond.
was purchased on December 31 last year. The net value was 1.0061 when purchased, and the purchase amount was 30W.
has been held for 5 months; the current cumulative net value is 1.0487, and it just paid out 4.49% dividends at the end of June, and increased by 4.23% in the first half of the year. The net value was 1.0198, and the cumulative net value at the end of June was 1.0624, an increase of 4.3% in the first six months. At the end of June, the dividend was also distributed by 3.63%.
. The third one,
, is a bond asset management company with a public offering license, as shown below:
. I bought it on February 16 and held it for 4 months. It is currently up 2.13%.
, No. n3 in the fourth
is mainly used to buy urban investment bonds in Shandong region.
first subscribed on March 3 this year. When he bought, the net value was 1.0004 and the purchase amount was 30W.
has held the position for less than 3 months. It should only have started buying large amounts of bonds in May.
currently has a unit net value of 1.0265, an increase of 2.6%. At the end of June, it paid a dividend of 2.15%.
, the fifth
manager of Hua C, the contract stipulates that it will be used to buy urban investment bonds nationwide, and it is expected that it will mainly be used to buy urban investment bonds across the country. Go buy Guizhou’s urban investment bonds.
was purchased on March 30, and additional investments were made later. The net value was 1.0008 when purchased, and the current cumulative net value is 1.029.
has been held for 3 months and is currently up 2.82%.
. The sixth one,
, was Cheng M Huitong, which I just bought in April. It mainly invests in Shandong Chengtou bonds.
bought a total of 40W. The net value at the time of purchase was 1.0004. The current market value is 1.0077. It seems that he has not started buying large amounts of bonds yet.
. The seventh one,
, was just bought for one year. The period was too short. The net value was 1.0004 when I bought it, and the current market value is 1.0077.
8, the eighth
This is just Hua C Sulu that I just bought. It has no reference value and I haven’t started buying a lot of bonds yet.
9 and the ninth
are bond asset management companies with a public offering license, as shown in the picture below. They were only purchased recently and have smaller reference value.
Judging from the dividend-paying bonds purchased in the early stage, the actual annualized return rate of the operation exceeded the expected benchmark performance. For details, see the article "Quiz Test Results".
The fourth one that pays dividends is mainly the one that buys Guizhou Urban Investment Bonds. The actual annualized rate of return is also good, but the holding time is short and the reference value is not great. The first and second ones only ran through the entire first half of the year. cycle, the reference value is greater.
For bond asset management companies with formal financial licenses, the underlying assets are mainly invested in urban investment bonds. As long as the underlying assets, urban investment bonds, do not have ultimate risks, there is a high probability that they will eventually reach or even exceed the benchmark performance. Of course, if it is reached in advance, After the benchmark performance, the manager can sell the bonds in advance to control risks in advance and convert them into cash, waiting for your investors to redeem them at maturity. Therefore, the final yield should not be much higher than the benchmark performance, and its risk and The income is controllable, and most of the products produced by formal licensed financial institutions are estimated to be relatively conservative.
Moreover, the different bonds held by each product can be traded on the exchange in real time. Even if the platform is negative, investors do not need to care. There are also professional teams such as traders, analysts, and investment consultants working on the products. Protected.
After investors have invested, it’s time to eat, drink, and have fun, and leave professional matters to more professional people.
will continue to update personal positions on a regular basis.
I am the Great Buddha, a certified financial planner, with fund practitioner qualifications, securities practitioner qualifications, , author of the book "Practical Investment and Financial Management: Financial Thinking and Asset Portfolio Allocation Strategies", and a financial columnist.
