What is structured financial management? The funds of structured financial management are divided into two parts. One part is invested in basic financial instruments, such as deposits, bonds, and monetary funds. This part of the investment risk is very small; the other part of the funds is invested in financial derivatives, such as options, futures, and exchange rates. This part of the investment The stakes are high.
Is the high expected return of structured financial management reliable? Take China Merchants Bank's "CSI 300 Bullish Shark" as an example. This product has floating expected returns. The reason why there is such a wide span between the highest and lowest is because of its investment direction. 90% of the funds in this product are invested in fixed income assets, such as deposits, bond reverse repurchases, etc. There are also 10% of call options invested in the CSI 300 Index. If you want to obtain the highest expected return, the following conditions must be met: During the 2-month observation period, assuming that the CSI 300 Index was 3,000 points at the beginning, then during the observation period , the CSI 300 Index shall not exceed 3,300 points, and after the observation period, the CSI 300 Index shall not be lower than 3,300 points. From this condition, we can see that it is very, very difficult for structured financial management to get the highest expected return. The reason why banks set a high expected return is, in the final analysis, just a publicity stunt to attract novices who don’t know anything. Make a contribution. Moreover, not only is the expected return of structured financial management unreliable, but the principal is not guaranteed, so everyone should be careful about this. Okay, that’s it for introducing structured financial management. I hope it will be helpful to everyone.