The share of a financial product is equal to the purchase amount divided by the unit price of the purchase, so the share held is often different from the amount. Unless the unit price you buy is 1 yuan, then the share held is the same as the purchase price. The purchase amount is the same, excluding handling fees.
For example, if you buy a financial product of 1,000 yuan, and the unit price is 2 yuan per share when confirmed, then the shares you hold That's 500.
Customer service holding share of financial products = customer subscription (subscription) amount/subscription (subscription) liquidation day price Subscription and additional subscription applications submitted during the subscription opening period,
The liquidation day price is The product price on the day; for reservation subscription applications or reservation additional subscription applications submitted during non-subscription open periods, the price on the settlement day is the product price on the next banking working day.
What does the share of a financial product mean?
It refers to the number of shares purchased. Financial products are generally monetary funds or bond funds. Funds are purchased based on shares. If you still have If the net unit value of the product is 1 yuan, it costs 1 yuan to purchase one copy.
What does the amount of a financial product mean?
It is the amount of money you invest in buying a financial product. For example, when you buy a financial product, 1,000 yuan is deducted, then your investment this time The amount is 1,000 yuan.
Final reminder: Financial management products are not guaranteed, and the expected returns stated by banks are not 100%. If you are not ready to take the risk, it is better not to buy it.
What is financial management
When most people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is the management of a lifetime's wealth, that is, the cash flow and risk management of an individual's lifetime. Contains the following meanings:
1. Financial management is a lifetime of financial management, not just solving urgent money problems.
2. Financial management is cash flow management. Everyone needs money (cash outflow) as soon as they are born, and they also need to make money to generate cash inflow. Therefore, no matter whether you have money or not, everyone needs to manage money.
3. Financial management also covers risk management. Because more future flows are uncertain, including personal risks, property risks and market risks, they will all affect cash inflows (risk of income interruption) or cash outflows (risk of increasing expenses).
Where to manage money
At present, the institutions in China that can provide customers with financial services mainly include banks, securities companies, investment companies, economic management companies, etc.
1. Bank financial management
Currently, the financial products provided by commercial banks in my country are divided into three categories: capital-guaranteed fixed-income products, capital-guaranteed floating-income products and non-capital-guaranteed floating-income products.
2. Securities company financial management
Securities financial management generally includes stocks, funds, commodity futures, stock index futures, foreign exchange futures, etc. Individual or institutional investors can according to their different needs and investment preferences Choose from different financial tools.
3. Investment company financial management
Investment company financial management generally includes trust funds, gold investment, jade, jewelry, diamonds, etc. It requires a relatively high starting capital and is suitable for high-end financial managers.
4. APP financial management
Currently, there are a series of APP financial management methods on mobile phones, with zero starting capital and suitable for all people.