Is the financial institution's capital preservation and financial management reliable? Why do banks have low interest rates on capital preservation and financial management, while those non-bank interest rates are high, and they still have capital preservation? This is not credible. 1. No matter whether it's a financial institution or a bank, anyone's verbal commitment doesn't count. Only when there are two copies in black and white, and the words "capital preservation" are clearly marked in the contract signed by both parties, is the real capital preservation.

2. The income level mainly depends on the investment direction. People who invest in stock index futures usually expect higher returns than those who invest in bonds; Investing in bonds is usually higher than the expected return on investing in the money market. But what these institutions tell you is that the benefits are "expected". No one can guarantee the future market trend. The higher the income, the greater the risk.

In addition, the proportion of management fees and handling fees drawn by banks will basically be higher than that of other financial institutions. After all, banks have nothing to fear; Other financial institutions must rely on low fees and high returns to attract customers.

3. The question of credibility is actually uncertain. Generally, we can only refer to the credit status of this institution and the operation and income of the same or similar products sold before.

Buying financial management needs to be clear about the following points:

1. Where did you buy the released products? If it is sold by a bank, it may also be the product of an insurance company. If it is issued by other financial institutions, how long has this institution been established, whether it is compliant, credit rating, income of products that have been issued and expired, etc.

2. What kind of investment is the product you bought? To put it bluntly, wealth management products are institutions that invest their own money with your money, and they can allocate some money, and the risks are all customers'. So find out what this product is doing with your money, whether to buy futures stocks or fund bonds. For example, the stock market is already a bear market, or you should buy wealth management products that invest in stocks. Although the possibility of becoming a bull market immediately after buying is not ruled out, the risk is definitely high.

3. Product term and product redemption method. General financial management is divided into closed (you can't take out the money before the due liquidation), regular open (you can only apply for redemption on the open day) and open (you can apply for withdrawal anytime and anywhere).

If it is a closed product, you should be fully prepared before buying it. It is not recommended to spend all the money on the same product, and it is not recommended to buy products that cannot be taken out for a long time.

4. Income distribution mode. Generally, the principal and income are liquidated to the customer in one lump sum; Regular settlement, the income will be settled to the customer on the specified date or when it reaches the specified income, or included in the product as the reinvested wealth management principal.

5. Liquidation time. When it's time to distribute the income, when can I get the money? There is a difference between two days a day and a working day. How to calculate the interest from the due date of the product to the date when the money arrives?

Manual only. At present, I think of my own personal views and opinions for reference only.