Current location - Trademark Inquiry Complete Network - Futures platform - What kinds of wealth management products are there?
What kinds of wealth management products are there?
Wealth management products refer to financial products issued by banks and formal financial institutions, which put the raised funds into relevant financial markets or buy relevant financial products according to the contract, and distribute them to investors according to the agreement after obtaining the income. There are mainly these types of wealth management products: bond type, trust type, linked type and QDII type, including savings, funds, national debt, bonds, foreign exchange, stocks and speculation.

1, bond type

Investing in the money market, the investment products are generally central bank bills and short-term corporate financing bills. Since individuals cannot directly invest in central bank bills and short-term corporate financing bills, such RMB wealth management products actually provide customers with opportunities to share the investment income in the money market.

2. Trust type

Invest in trust products guaranteed or repurchased by commercial banks or other financial institutions with high credit rating, and also invest in beneficial trust products of excellent credit assets of commercial banks.

3. Hook type

The final yield of products is linked to the performance of relevant markets or products, such as linked to exchange rate, linked to interest rate, linked to international gold price, linked to international crude oil price, linked to Dow Jones index, linked to Hong Kong stocks, etc.

4.QDII type

QDII, that is, qualified domestic investment institutions provide overseas financial services on behalf of customers, refers to commercial banks that have obtained overseas financial services on behalf of customers.

QDII RMB wealth management products, in short, are wealth management products that customers entrust their RMB funds to qualified commercial banks, and qualified commercial banks convert RMB funds into US dollars, directly invest overseas, and after the maturity, exchange the US dollar income and principal into RMB for distribution to customers.

Investment services that can be released in lufax and lufax with capital needs will be subject to strict internal audit by lufax and professional institutions, and professional and strict qualification audit by both investors and financiers, so as to fully protect the interests of both parties in terms of systems, processes and systems.