There is no financial product that guarantees not to lose money. Bank RMB financial products can be roughly divided into bond type, trust type, linked type and QDII type.
Extended data:
Risk disclosure
yield rate
For example, whether the rate of return in advertising is annual rate of return or cumulative rate of return; Whether the product is subject to tax withholding, and whether the rate of return in the advertisement is pre-tax rate of return or actual rate of return.
Investment direction
Which market will the funds raised by RMB wealth management products be put into, and the specific wealth management products to be invested, all of which determine the size of the products' own risks and whether the rate of return can be realized.
liquidity
Most products have low liquidity, so customers can't terminate the contract in advance. A few products can be terminated or pledged, but the handling fee or interest on pledged loans is higher.
If it is a linked product, we should analyze the performance of the linked market or product, and whether the linked direction and range meet the market expectations and whether it is possible to achieve it.
The expected rate of return of bank wealth management products is only an estimate, not the final rate of return. Moreover, the bank's oral publicity does not represent the content of the contract, which is the most standardized agreement of wealth management products. Financial experts said that in the current weak market environment, investors need to read the product manual carefully when buying bank wealth management products, and don't expect too much from the income of wealth management products. ? [9]?
The disorderly operation of wealth management products market is mainly reflected in the market segmentation and homogenization competition among financial peers. This phenomenon is related to the separate operation and supervision system of the financial industry. A large number of homogeneous products often have different styles of product descriptions and regulatory rules.
Common products
The first category is fixed income financial products, including bank financial products and trust financial products.
The second category is capital preservation floating income wealth management products, which are mainly issued by banks.
The third category is non-guaranteed floating income wealth management products, mainly divided into bank wealth management products and securities investment wealth management products.
According to the currency classification, wealth management products are mainly RMB wealth management products, foreign currency wealth management products and dual currency wealth management products; According to the way of income, there are mainly guaranteed income wealth management products and non-guaranteed income wealth management products. According to the different legal relationship between banks and investors, it is mainly divided into fixed income wealth management products, non-guaranteed floating income wealth management products and wealth management products underwritten by commercial banks.
Bank wealth management products can also be divided into guaranteed income wealth management products and non-guaranteed income wealth management products.
The income of guaranteed income-based wealth management products is fixed, and the income stipulated in the agreement can only be obtained after it expires, otherwise it is not guaranteed.
Non-guaranteed type is divided into guaranteed floating income wealth management products and non-guaranteed floating income wealth management products. Financial products with guaranteed capital and floating income refer to financial products in which the bank guarantees the payment of the principal to the customer according to the agreement, the investment risks other than the principal are borne by the customer, and the actual income of the customer is determined according to the actual investment income, and vice versa.
The risk of capital preservation floating income in general banks is second only to the risk of savings, and it is the best choice for stable customers who pursue stable income.
References:
Baidu encyclopedia-wealth management products
Baidu encyclopedia-bank wealth management products