1. The security of bank wealth management products is not 100% safe for any investment. As long as investment is bound to be accompanied by risks, the higher the income, the greater the risk. For bank wealth management products, the risk is relatively low, and the wealth management projects audited by the bank risk control team are relatively strict, but it is not necessarily without problems, but the probability of occurrence is relatively low. The state stipulates that more than 500,000 deposits are not guaranteed and banks may close down. When novice investors buy bank wealth management products, they are often worried when they see non-guaranteed floating income wealth management products, for fear that problems will arise if the risk is too high. In fact, investors need not worry too much. There is basically no loss of product principal in the bank wealth management market, and the probability of reaching the expected highest rate of return can reach more than 99%. Some structural products and products with risk grade r3 and above are uncertain, while non-guaranteed products with risk grade r2 can be purchased with confidence.

2. Handling fee for purchasing bank wealth management products. The handling fees of bank wealth management products include subscription fees, sales fees, management fees and custody fees. Generally speaking, banks do not charge subscription fees, but other fees are still charged. Most expenses do not exceed 0.3% of the investment, and the total expenses usually do not exceed 0.6%. However, the average bank has taken this part into account when calculating the yield of wealth management products. That is to say, the bank has calculated the yield of wealth management funds, and after deducting various handling fees, the rest is the so-called "expected rate of return". Therefore, according to the expected yield of the product, you can calculate the actual income you get, regardless of the handling fee.

For example, if an investor buys a one-year wealth management product with 654.38+10,000 yuan, the expected rate of return is 4.5% and the handling fee rate is 0.5%. After the product expires, the investor's income 100000×4.5% = 4500 yuan.

3. Calculation of the income of bank wealth management products during the raising period. After the issuance of bank wealth management products, the fundraising period is 5-6 days, which can be extended to more than 10 days in case of holidays. The product income is generally calculated from T+ 1 day, and the income is calculated according to the bank deposit interest rate of 0.3%. Therefore, financial planners in Xiang Qian suggest avoiding buying products with long raising period and short investment period, and avoiding the problem of standing guard of funds.

4. Pay after the wealth management product expires. After the investment in wealth management products expires, the wealth management funds will automatically return to the investor's bank card current account. Most banks will return the principal and income to investors' accounts in the afternoon or evening of the maturity date, and a few banks will deposit them the next day.

5. The funds of bank wealth management products will flow to banks, and investors will invest after all the funds are raised. General investment channels include highly liquid assets such as deposits and creditor's rights assets, which will be mentioned in the manual, but banks will not tell you the specific investment proportion of each part, so investors can't know the specific allocation of funds. However, generally speaking, most of the bank's wealth management funds are invested in various bonds, and the risks are relatively controllable.