Bank of China's closed-end net worth wealth management products are likely to lose money. Net worth wealth management products are non-guaranteed floating income wealth management products. Investment institutions do not promise to guarantee capital preservation or minimum income, and the change of product net value determines the positive and negative income of investors.

Different forms of wealth management products have different degrees of loss. Bank wealth management products are divided into capital preservation type and non-capital preservation type, with different returns. Theoretically, wealth management products are risky. Stocks, foreign exchange and crude oil futures may be several times the principal and have leverage. P2p has platform guarantee, and the principal can be guaranteed. A platform without mortgage is likely to have no principal at all.

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Precautions for purchase

1. From the risk point of view, as long as the risk level of wealth management products is 1 or 2, the principal risk is almost zero, that is to say, it is basically impossible to lose money, but the income is not necessarily. For investors who are not very experienced in financial management and have a strong sense of risk, they should avoid a financial product, that is, structured financial management linked to stock index, gold and foreign exchange.

2. From the perspective of income, I suggest you choose small-scale joint-stock banks and large city commercial banks. The wealth management income of these two types of banks is relatively high, and most of them issue unstructured wealth management with a risk level of 1 or 2, which is more suitable for ordinary people. However, the income of large joint-stock banks such as China Merchants Bank is relatively low, the investment management ability of small city commercial banks and rural commercial banks is weak, and the wealth management income of state-owned banks is low, which is not recommended.

From the perspective of liquidity, that is, the term of the product, you should choose according to your own situation. In general, if you don't have any big expenses in the short term and reserve emergency funds, then I suggest you choose medium-and long-term financial products. After all, high profits are relatively easy. But remember not to put all your money on illiquid products of bank wealth management.