No, please consult the specific bank for details. Generally speaking, bank wealth management products are closed. Closed-end wealth management products cannot be taken out in advance, but only after the product expires. For example, bank wealth management products within 3 months cannot be taken out in advance, but they can be transferred, and the due income can be obtained after the transfer. But if it is to be allocated to someone, this situation depends on whether the bank can support it.

In addition, some banks' wealth management products do not support transfer, which is subject to bank regulations.

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The expected rate of return of bank wealth management products is only an estimate, not the final rate of return. Moreover, the bank's oral publicity does not represent the content of the contract, but the contract is the most standardized agreement of wealth management products. "Financial experts said that in the current weak market environment, investors should read the product manuals carefully when purchasing bank wealth management products, and should not have too high expectations for wealth management products.

Some financial experts believe that the term of bank wealth management products is long or short, and some half-year or one-year wealth management products may be issued at a high level in the stock market. Now that the stock index has been "halved", if such wealth management products lose money, it is difficult to "turn over the book" in the short term. Some wealth management products have longer term and better design structure. Even if they lose money now, if the market improves in the next two or three years, it is entirely possible for such wealth management products to turn losses into profits.

Bank wealth management products are capital investment and management plans developed, designed and sold by commercial banks for specific target customers on the basis of analysis and research on potential target customers. In the investment mode of wealth management products, banks only accept the funds entrusted by customers, and the investment income and risks are borne by customers or customers and banks in an agreed way.

Each bank will launch different wealth management products, and customers may buy several different products, so it is very troublesome in the process of screening and post-management. Without a unified tool, there won't be much time to go to the bank. Zhejiang Hexin Straight Flush recently launched a management software "bank wealth management book" specifically for bank wealth management products. This software brings together the latest hundreds of wealth management products of prime bank in China, and can instantly find wealth management products that meet the user's time, place and scale! The disadvantage is that it cannot reveal the risks of every bank wealth management product.

The main functions of bank financial management:

1. The most comprehensive bank coverage: covering domestic mainstream state-owned and commercial banks, and constantly updating.

2. Quick positioning of wealth management products in the same city: according to GPS positioning, quickly find the products of outlets near banks in the same city and stay one step ahead of others.

3. Choose the right financial products: choose the products that suit you according to your actual situation.

4. Convenient income calculation: compare the bank deposits in the same period to help you calculate carefully.