Goals can be "things" or agreed things or data, indicators, etc. The "linked target" in wealth management products refers to the object that affects and determines the final income of the product, such as the price of a futures contract or the trend of an index.
One kind of bank wealth management products is structured wealth management products. Structured wealth management product is a new type of financial product which combines fixed income products such as deposits and zero coupon bond with financial derivatives (such as forwards, options and swaps) by using financial engineering technology. Among them, portfolio financial derivatives are linked targets.
To invest in this kind of wealth management products, we must first understand the relationship between the linked target and the product income, that is, how the linked target performs before the product income; The second is to understand the past performance of the linked target, thus forming your own judgment on its future.
Pay special attention to the above two points when investing in structured wealth management products. The more complex the target of bank wealth management products, the greater the risk. Investors should try to choose simple and clear products linked to their goals.