Chinanews Client Beijing, February 24th (Reporter Xie Yiguan) Open Alipay during work "fishing" to see financial income, enter the comment area and Douban Investment and Wealth Management Team during lunch break, listen to the voice of "comrades in the same way", and leave work Later, I will scan Xiaohongshu and Station B to see how bloggers judge the fund situation.
Compared with the older generation of investors browsing industry and company news, analyzing market trends, and exchanging experiences with people in the circle, young people nowadays are more willing to look for "good teachers and helpful friends" on social media to buy funds in stocks.
"Listen to XXX buy", "XXX takes me to make money together", "Grow up with XXX", "XXX, I am your eternal fan", behind every video barrage is a heart that loves to make money, even tens of thousands The above follow-up investment.
Searching for funds on station B will show many related videos.
Young people now buy funds, starting from station B, Xiaohongshu, etc.
In 2020, the Shanghai Stock Exchange Index rose 13.87%, the Shenzhen Component Index rose 38.73%, and the ChiNext Index rose 64.96%. Based on market value, the per capita profit of 176 million shareholders was 116,000 yuan.
Attracted by the wealth effect of A shares, since 2020, young people have invested in the stock market.
Some organizations report that post-90s and post-00s will become the main force in opening A-share accounts in 2020, with the 24-30 age group accounting for nearly 30%.
But for many young people, they are busy with their lives every day and have no energy to gnaw professional books, watch the market trend, and check the analysis of "professionals" when browsing social media. Buying funds has become a very cost-effective choice.
The Mob Research Institute’s "2020 China Christian Demographic Guide" shows that in the first half of 2020 alone, the number of new Christians exceeded 20 million, and the new demographics are significantly younger, with the 18-34 year old group accounting for 60%.
On the 24th, data released by the Alipay platform also showed that among investors who purchased three or more fund products from different sectors, more than half were born in the 90s; more than 40% of the users of fixed investment funds were born in the 90s, and 60% of the users born in the 90s held stable orders Only the fund exceeds one year.
The post-90s generation accounted for 40% of the audience on the financial live broadcast on February 19-23.
According to data disclosed by station B, in 2020, its platform investment and financial management video playback volume increased by 464% year-on-year.
"I started buying funds a few months ago. I watched the videos of my favorite financial UP owners on station B almost every day. At the beginning, I copied their homework directly. After studying for a period of time, I decided to choose the fund myself." Xiao Lu (a pseudonym) from Henan told a reporter from Chinanews.com, “Watching their videos not only learned a lot of knowledge, but also brought a lot of joy to herself, and felt like being in the same trench.”
On social media such as Station B, Xiaohongshu, Douyin, etc., behind every head financial blogger, there are a group of "fans" like Xiaolu.
Fund sales, drainage, account opening, fee-based stock recommendation...Social media such as Station B and Xiaohongshu have become "market guides" for young people today.
Search for "fund" financial management videos at station B. Some videos have played hundreds of thousands or even millions. Most of these video producers are head-up owners, and the number of fans can easily be hundreds of thousands, and some people will still be in the video. Show the fund firm offer, attract people to watch.
In the Xiaohongshu, "100,000 earned 2 million from the fund in ten years", "earned 8W a day, share the three tips of making money from the fund", "earn 5000 a day, teach you to buy the first fund" and so on. Fund wealth management videos are also emerging in endlessly.
With this fund boom, a group of wealth management bloggers have risen rapidly.
However, some fund managers said that the fund is suitable for ordinary investors, but they also need to avoid blindly following suit.
It is recommended that investors consider their own risk tolerance comprehensively, look at the expected rate of return from a longer-term perspective, and invest rationally.
Screenshot from Xiaohongshu.
The entry barrier is low, and novices and student parties can also be "financial planners"
"Invest millions of dollars and earn hundreds of thousands of dollars." Fund-type wealth management bloggers have made huge profits in their videos and attracted countless fans.
But is the fund they bought or recommended really worth buying?
Is the analysis reliable?
A reporter from Chinanews.com found that the funds recommended by these bloggers are similar, with the majority of funds held by popular industries and star fund managers. The Yifangda Blue Chip Collection managed by Zhang Kun, a fund manager who recently went out of the circle, is recommended by the blogger. Regulars".
But if you blindly believe in these bloggers, you may suffer heavy losses when the market adjusts.
Recently, when the market pulled back, comments from netizens such as "slap yourself in the face" and "buy against you, next year the villa will rely on the sea" and other netizens left in the relevant video barrage of station B.
There are also some bloggers who are chasing ups and downs and frequent transactions when they are playing funds. They are ridiculed by users: "It seems like an undercover agent sent by a fund company to earn handling fees."
"After watching some fund videos on station B, I found that some UP owners have obviously not been in contact with the fund for a long time, and the content of the explanation is also mixed." Wu Yuefeng, a well-known private equity fund manager of Fengjing Capital, once said that recommended funds are natural. Moral hazard, buying public funds requires professional asset management experience. No one in the show teaches investors how to control positions.
Do these wealth management bloggers from B station, Xiaohongshu, Douyin and other platforms have professional asset management experience or securities investment consulting qualifications?
Judging from the information provided by the bloggers, there are not too many who have qualifications such as Chartered Financial Analyst (CFA) and have experience in securities business. Some bloggers are even students.
Selling fund portfolios and courses, "Leek also began to cut leeks"
Although they do not have the relevant qualifications, as the number of fans has grown, financial bloggers have also begun to seek "fan monetization."
The reporter has noticed that some well-known wealth management bloggers will register accounts on multiple social platforms such as station B, Xiaohongshu, Douyin, Weibo, WeChat official account, etc., in addition to posting advertisements, they also take the opportunity to release fund portfolios to make money.
"The leeks at station B are also very easy to cut. If you invest 10,000 yuan in a'financial god' with a monthly income of less than 5%, you can teach people to buy funds at station B, have 200,000 fans, and even open a QQ group selling fund portfolio. For Xiaobai, a charge of 200 yuan a month." Some netizens complained.
Not only release fund portfolios, some well-known bloggers even offer related fund courses, calling on "readers" to get on the bus.
On the course leaflet published by a blogger, the course subscription costs 199 yuan. After subscription, unsubscription and transfer are not supported.
The payment page shows that 754 people have subscribed.
The screenshot is from a blogger’s fund course sales page.
After some bloggers diverted their fans to the WeChat official account, they also cooperated with brokers to provide account opening services.
The UP owner of the B station stated in the official account: "The securities rate for cooperation is 1.3 per 10,000, which is limited to friends who opened an account from the official account by scanning the QR code."
According to media reports, a B station UP owner revealed that a brokerage (fund channel) found him to seek cooperation in distribution funds. The brokerage channel said that it could provide a list of newly listed products of public funds. The UP owner can selectively recommend to fans, and fans can complete After purchase, brokerage channels can be divided.
In addition, there are also B station UP owners who promote algorithm services when publishing fund videos, but they need to join the QQ group first.
The QQ group shows that it is a paid group, and you need to pay 10 yuan to join the group. When the reporter joined, there were 642 members.
"Teaching others to buy funds is more profitable than buying funds by yourself. Anyway, all leeks are cut, so it is better to cut them out by yourself." Some netizens commented like this.
Or suspected of illegal securities investment consulting
In fact, the above behavior may have been suspected of illegal securities investment consulting.
Previously, the Beijing Municipal Securities Regulatory Bureau had made it clear that illegal securities investment consulting refers to institutions or individuals that, without the approval of the China Securities Regulatory Commission, engage in direct or indirect paid consulting services such as securities investment analysis, forecasts, or recommendations for investors or clients. activity.
According to the Beijing Securities Regulatory Bureau, illegal securities investment consulting services include recruiting members through Internet tools such as WeChat, blogs, and QQ, recommending stocks to defraud money; engaging in illegal securities investment consulting in the name of selling stock trading software; engaging in illegal securities under the name of selling stock trading courses Criminal tactics such as investment consulting.
The regulatory authorities also reminded that regardless of whether the sales are training courses or trading skills, as long as they recommend stocks or provide stock investment advice to investors, and directly or indirectly obtain economic benefits, they are all engaged in securities investment consulting business and need to obtain the securities regulatory commission. Approved qualification for securities investment consulting business.
If investors receive securities and futures investment consulting services, they must pass through legal institutions approved by the China Securities Regulatory Commission with securities business qualifications.
Data map
Responses from multiple platforms: strengthen content review
Recently, a fan of more than 600,000 fans, who used to share the fund’s firm offer, said that after receiving the request from the relevant person at the B station, he can no longer post stock and fund related videos on the B station unless he holds the CFA Certificates are sufficient.
Later, it released an explanation video on the official account, saying, "The platform is for more long-term development and to protect everyone’s interests. If you want to share this content in the future, you need to obtain some relevant qualifications, not necessarily CFA. certificate."
Some users of station B also reported that the platform has strengthened the review of financial content.
In this regard, the reporter consulted the B station, and its relevant staff said, "On the issue of content risk, the platform will have further specifications and closures, but will not require a certificate."
"The platform will strictly review and strictly prohibit content that is expressly prohibited by laws and regulations such as recommending stocks and recommending bases, private placements and other laws and regulations." Xiaohongshu told a reporter from Chinanews.com.
Do you buy funds in stocks? Is it to watch the wealth management videos of platforms such as Station B and Xiaohongshu? Should the review of the platform be stricter? (Finish)