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.
Monetary fund
The so-called money fund is an open-end fund, which mainly invests in stable financial products such as central bank bills, book-entry treasury bonds, financial bonds and agreement deposits. Because it doesn't have subscription and redemption fees like other open-end funds, investors can regard it as "current savings" and purchase and redeem it at any time. It usually takes 2 to 3 working days from issuing a redemption instruction to being able to withdraw cash.
Subscription fund
Regular subscription funds are very suitable for wage earners to achieve the goal of compulsory savings. The number of listed open-end funds has reached hundreds, and its main distribution channel is banks. Then, the wage earners who often patronize the bank may wish to choose a fund that they sell on a commission basis and sign an agreement with the bank to stipulate the monthly deduction amount. In the future, the bank will deduct the agreed amount from your fund account and transfer it to the fund account to complete the fund subscription.
This approach is conducive to risk diversification and long-term stable value-added. This investment method does not need to master too much professional knowledge, nor does it need to bother to choose the time of purchase. As long as you have patience and insist on holding for a long time, under normal circumstances, the income of the fixed investment of the fund will be higher than the interest of lump sum deposit and withdrawal. Because of this, it is even an excellent choice for wage earners to reserve education funds or plan pensions for their children.
Buy funds regularly, and it is particularly important to choose which fund. Generally speaking, this investment method is suitable for stock funds or mixed funds with partial stocks, and the important criterion for selection is its long-term profitability.
Classification of wealth management products
Bond type-investment in the money market, the 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 wealth management products provide customers with opportunities to share investment income.
Trust-trust products that are guaranteed or repurchased by commercial banks or other financial institutions with high credit rating, and products that are invested in the trust of beneficial rights of excellent credit assets of commercial banks.
Hook-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.
QDII type-QDII, that is, qualified domestic investment institutions provide overseas financial services on behalf of customers, refers to commercial banks qualified to provide overseas financial services on behalf of customers.