1. Investment channels of wealth management products: 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. Calculation method of wealth management product income = investment principal × (annualized rate of return ÷365 days )× actual financing days. For example, if the annualized rate of return of a wealth management product is 5%, the wealth management period is 365 days, and the investment principal is 10000 yuan, then the income of the wealth management product is 10000*(5%/365)*365 = 500 yuan. Under normal circumstances, the principal and income will be returned to the customer account about 3 working days after the financial management expires. Calculation method of accumulated income of wealth management products = invested capital × accumulated annualized rate of return × actual wealth management days ÷365 days. Investors should pay more attention to the accumulated annualized income, which is an accurate indicator based on the past income of products. Cumulative annualized rate of return needs to be converted into daily interest rate.
2. Calculation formula of income: income = principal * rate of return * time. For example, if 65438+ million principal is invested in financial management, the expected annualized rate of return is 5%, and the financial management time is 1 year, then the expected return after 1 00000 * 5% *1= 5000 yuan. This income is only expected income. After the wealth management product expires, the income may be greater than or less than this income. Usually, the principal and income will be returned to the customer's account about 3 working days after the financial management expires. The annualized rate of return is the actual rate of return, and the expected annualized rate of return is imaginary. Annualized rate of return ≠ annualized rate of return. The expected annualized rate of return is constantly changing, which is calculated by converting the current rate of return (daily rate of return, weekly rate of return and monthly rate of return) into adults. The overdue annualized rate of return is the theoretical rate of return, not your actual investment income. Earnings are based on actual yield to maturity. Financial product sales organizations will emphasize how high-yield and low-risk products are, but the actual risks are not small. Investment objects have market risks, such as stock investment. There is moral hazard from agents, that is, product creation and sales institutions, and the risk of losses to investors due to weak internal control of institutions.
3. "Changsheng Wealth Management" quarterly earnings increase open-ended net worth wealth management plan (hereinafter referred to as "Changsheng Wealth Management" quarterly earnings increase) is a publicly issued net worth and fixed income wealth management product launched by Changan Bank. The investment starting point of this product is 10000 yuan, which is open for subscription on the first working day of each week and redeemed on the last working day at the end of each quarter. It has the advantages of low investment starting point, flexible term, stable income and being suitable for short-term and medium-term funds.