Fixed income+financial management, principle, income trend, example

Explanation:

At present, there is no clear definition of "fixed income+"wealth management products in the market. Generally speaking,? "Fixed income+"is an investment concept, which can be decomposed into two levels: "fixed income" and "+".

Banks divide wealth management products into fixed income wealth management products, equity wealth management products, commodities and financial derivatives wealth management products and mixed wealth management products. Among them, the proportion of fixed-income wealth management products invested in debt assets such as deposits and bonds is not less than 80%.

Creditor's rights assets, such as deposits, bonds, etc., have fixed interest rates and dividends in advance, and the maturity date is clear and relatively stable.

Is it solid+steady? Will you lose money?

Simply put, "fixed income plus" is a way of asset allocation. Its essence is to put different types of assets such as bonds, stocks, convertible bonds and stock index futures into one product. Under the premise of controlling risks, security and profitability can be better balanced through active asset allocation.

So the benefits depend on two parts:

Income = fixed income+? Part of "+"

Suppose that the income of a bond invested in the fixed income part is 4%. If the fixed income part just accounts for 80% of the total funds, the remaining "+"part is the total income of a stock 10%, then

Income =0.8x4%+0.2x 10%=5.2%

Similarly, if the stock portion is -20%, then

Income =0.8x4%+0.2x(-20%)=-0.8%

You got it?

This may be the reason for your bank's financial loss!

What does "+"mean?

"Fixed income+"means that at least 80% of the assets are invested in debt assets with relatively high certainty and low risk (that is, the "fixed income" part) to obtain stable income, while the remaining funds are invested in stocks with higher risks but higher returns, innovations, convertible bonds, hedging strategies, etc. , forming a new product form that may surpass the original fixed income financial management.

By analogy: fixed income+fund?

Some people see that in addition to fixed income+bank financing, there are also fixed income+funds. What is that?

In fact, the principle is the same, just issued as a fund product. Fixed income+is actually just a concept, an investment concept.

Is fixed income+suitable for investment?

Fixed income+is basically used for bank wealth management and funds. Because 80% is invested in fixed income products, it is generally stable and suitable for mass investors with low risk tolerance.

In the long run, fixed income+can outperform most other wealth management in terms of yield, but losses may also occur in the short term. Security, profitability and liquidity cannot coexist.