I'll give you a detailed analysis now. When we buy unstructured wealth management products, there will always be a contract, which has been clearly written. The investment direction of unstructured wealth management products includes: the fixed funds of banks are invested between banks. What does this mean? In other words, inter-bank money exchange is an investment direction of unstructured wealth management products. In addition, unstructured wealth management products will also invest in securities bills and trust plans of public offering and private placement in the trading market, which is also called unstructured wealth management products.
From these investment directions, it is not difficult to find one thing in common, that is, these investment directions are relatively conservative, the returns are not so high, but the risks are extremely low, so we can also understand that investing in unstructured wealth management products can almost be said to be capital-guaranteed wealth management products. Our principal will not be damaged. Unstructured wealth management products will generally give you a one-year income expectation in the contract, which will be achieved every year, because this kind of investment is almost risk-free, but its yield is relatively diluted.
So what is a structured wealth management product? The fund stocks, foreign exchange commodities, gold futures, silver futures, paper gold credit, stock market index, etc. we purchased are all structured wealth management products. When many people go to the bank to deposit money, they find that the interest rate of the bank is sometimes very high. Then we will ask the business personnel why the interest rate is very high, and then the medical staff will give you the answer. This is a structured deposit.
In fact, the so-called structured deposit is not a real deposit, but a wealth management product. For example, if you deposit 200,000 yuan, 50,000 to 80,000 yuan is your normal deposit. The remaining1.20,000 to1.50,000 is likely to be invested in other fields, which is one of the main reasons for his high interest rate, because what you get is not interest, but income, and income is also accompanied by risks.
Therefore, I want to remind you that if you go to the bank to buy wealth management products, people who are old, have little money and need cash flow still suggest you buy unstructured wealth management products. Because this kind of wealth management products can guarantee our principal and have certain income, structured wealth management products have high income, but they are also very risky. Compared with the two, it is safer to buy unstructured wealth management products.