Focus linkage series
China Merchants Bank Focus Linkage Series combines the basic financial market and financial derivatives market, and designs a series of wealth management products for investors with stocks, funds, exchange rates and metals.
Security and expected annualized expected return: the possibility of realizing the agreed principal guarantee through capital preservation technology and investing in overseas financial markets with derivatives to obtain expected annualized expected return for investors.
Liquidity: This kind of products can't be redeemed in advance, but they can be pledged according to a certain proportion, which provides a convenient financing channel for investors.
Suitable for investors: This kind of products is suitable for investors who have high requirements on the security of principal, but can withstand the fluctuation of expected annualized expected returns.
Ririjin series
Safety: This product is invested in financial instruments with high inter-bank credit rating and good liquidity, with low risk.
Liquidity: flexible financial management. During the product transaction, investors can purchase or redeem at any time, and the principal will be paid in real time.
Note: this kind of product has a large redemption clause. Please refer to the product manual for details.
Suitable for investors: investors who require high liquidity, or investors who intermittently conduct short-term stable financial management in other investment and financial planning.
Peace of mind return series (golden times series)
Security: This kind of products take bonds, bills or short-term financing bills with high inter-bank credit rating as investment targets, and the products are highly secure.
Liquidity: This kind of products can't be redeemed in advance, and products with clear principal guarantee clauses can be pledged in a certain proportion, providing investors with convenient financing channels.
Expected annualized expected income: according to the product specification, the expected annualized expected income is paid on schedule or due.
Suitable for investors: this series of products is suitable for investors with low risk tolerance or supporting products with low risk allocation in portfolio.
New share subscription series
Security: This kind of products mainly invest in the subscription of new shares, belonging to non-guaranteed products.
Expected annualized expected return: The expected annualized expected return of the product is determined by the frequency of issuing new shares, the winning rate and the increase on the selling day.
Liquidity: Some products provide a monthly open redemption mechanism. Please refer to the product manual for details.
Suitable for investors: this product is suitable for customers with stable investment style.
Zhao yin Jin Bao series
Security: This kind of products take bank credit assets or trust assets as investment targets.
Liquidity: such products cannot be redeemed in advance.
Expected annualized expected income: automatically distribute the principal and expected annualized expected income on schedule or due according to the product specification.
Suitable for investors: This series of products is suitable for steady investors.
A-share Nuggets Series
Safety, liquidity and expected annualized expected return: this series of products invest in excellent funds with good corporate governance and stable performance, subscribe for and invest in new shares, convertible bonds, bonds, QDII fund products, etc. (The specific investment target is subject to the product description), and they are all non-guaranteed products with relatively high risks. Provide a regular and open redemption mechanism.
Suitable for investors: this product is suitable for enterprising investors with high risk tolerance or the configuration products of the enterprising part of the portfolio.
Overseas treasure hunt series
Look at global opportunities and balance asset allocation. This series of products is dedicated to domestic investors who are eager to find investment opportunities on a global scale, realize international asset allocation and spread risks.
Safety and expected annualized expected return: this kind of products take financial assets in overseas markets as investment targets, which are easily affected by fluctuations in the international market and have high risks.
Liquidity: the daily subscription and redemption mechanism on the open day provides investors with sufficient liquidity.
Suitable for investors: enterprising investors with mature investment ideas, good investment mentality and high risk tolerance.
China Merchants Bank's wealth management products are structured wealth management products. According to reports, structured wealth management products are often linked to exchange rate, futures price, crude oil price, precious metal price, commodity index and stock index. Its product derivative structure is divided into interval accumulation type and interval trigger type. The risk of this kind of wealth management products is higher than that of credit and monetary wealth management products, but its historical expected annualized expected income is often very attractive. Most structured products are linked to overseas financial products or indexes. Before investing, investors need to have a deeper understanding of these linked targets, have their own judgments on their trends, and try to avoid blind investment after listening to the bank's financial manager's persuasion. "After understanding the linked target, investors should further understand the expected annualized expected income structure of products. For example, whether the product is guaranteed, and if not, whether there is a stop loss line. Investors need to be cautious about products that don't break the cost and don't have a stop loss line. "