2. If you can't take risks, invest all your money in stable products, but divide the proportion of flexible and fixed products. For example, investors have 654.38+10,000 yuan. At this time, 80,000 yuan can be purchased from the bank or deposited on a fixed deposit, and the remaining 20,000 yuan can be purchased from the monetary fund to meet the demand for funds at any time.
3. If it is a family financial management configuration, you can refer to the 432 1 Family Financial Management Rules, and 40% of the funds are used for steady investment to ensure old-age care and children's education; 30% of funds are used for investment; 20% of the funds are used for major disease protection; 10% of the funds are used for living expenses.
Financial products are products designed and issued by commercial banks and formal financial institutions themselves. The raised funds are put into the relevant financial markets according to the product contracts, and the relevant financial products are purchased, and the investment income is distributed to investors according to the contract.
Financial management type
Bank RMB financial products can be roughly divided into bond type, trust type, linked type and QDII type.
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.
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.
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.
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.
Electronic spotlight
New investment and wealth management products
Investment channels
Wealth management products can generally be purchased through commercial banks or non-bank financial institutions.
Traditional channels include banks, insurance companies, securities companies, futures companies and fund companies.
Emerging channels include: third-party financial institutions and integrated financial service institutions.
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.