2. Industrial and Commercial Bank of China: ICBC will launch wealth management products for high-net-worth customers above RMB 500,000 from time to time. This kind of wealth management products has a high yield, so you should carefully understand the different characteristics of various products before buying.
3. China Construction Bank: Compared with the other four major banks, the yield is relatively high. In addition, the yield of CCB is the highest, and the investment threshold of CCB varies greatly. The yield of wealth management products with different investment thresholds also varies greatly. Wealth management products aimed at high-net-worth customers with more than 654.38+10,000 yuan have higher income, and investors with adventurous spirit and high income demand can choose CCB.
4. Agricultural Bank: The investment income is not high, but the risk is low, which is suitable for conservative investors.
5. Bank of Communications: More than 500,000 high-end wealth management products have higher returns and are suitable for investors with more idle funds.
How to choose financial management
According to the expected income, most people in China have a wrong understanding of financial management. The most important issue in financial management is the expected rate of return, not the capital preservation or how much income is guaranteed.
The annual net income of the case is 654.38 million. In Shanghai, the financial plan of owning a house and not owning a house is completely different, because one goal is to make a down payment and the other goal is to run through cpi.
Generally speaking, the risk ratio of financial management should be 7: 2 to 1, 70% of fixed assets investment or steady investment, and houses, goods bases, financial priority products and insurance all belong to this category. 20% medium-risk products, Public Offering of Fund and index funds probably fall into this category. The remaining 10% is equipped with high-risk and high-yield products, and stocks, futures and private equity funds all belong to this category.
If there are too many fixed assets, we should allocate more high-risk and high-yield products, and use investment leverage to increase the risk of overall allocation, and vice versa.
For example, a private equity fund manager has made huge profits in futures investment. In order to spread the risk, he bought a lot of real estate, and the office building is one floor.
Financial leverage determines the differences between people. When you still belong to the poor class, it is recommended to use super-large financial leverage to find gold. When you have a house and a car and become a middle class, the financial leverage should be slightly greater than 1.5 but not more than 2. While ensuring that you outperform Cpi, you can achieve excess returns and move closer to financial freedom. If you have financial freedom, it is recommended to adopt a conservative financial management method, and the financial leverage will be reduced to about 0.5 to ensure that you will not suffer a big loss because of CPI.