To put it simply, there is a wealth management product whose net worth is not one yuan, and the share of 654.38+10,000 yuan of wealth management products whose net worth exceeds one yuan is 9 1082. If you buy a net-worth wealth management product, the wealth management holding share = purchase amount/wealth management price, the closed-end wealth management price is unchanged, generally 1 yuan/share, and the open-end wealth management price fluctuates, and investors buy it at the transaction price. The amount and share are different.

(1) The new asset management regulations stipulate that all wealth management products issued by financial institutions shall be calculated on a net basis. The assets you hold now are calculated according to your share and the net value of wealth management products. If the net value is larger than when you bought them, it is a profit, otherwise it is a loss.

(2) Not all wealth management products are 100% profitable, and the price fluctuates according to the wealth management market.

After the release of the new asset management regulations, the wealth management products issued by financial institutions are all net worth. You bought a wealth management product of RMB 654.38+10,000. Maybe the net value of wealth management products was not one yuan at that time, so your share was not 654,380+10,000, but 9 1082. Now you redeem the wealth management products and multiply your share by the net value of the wealth management products, which is your assets. If the current net value of a product is greater than the net value when you bought it, it is your asset.

How to choose financial products

If you want to choose financial products, you must consider your own economic ability and risk tolerance from your own situation. It is not that the higher the income, the better the wealth management products. Choosing the right financial products and obtaining stable income is the correct way to manage money.

When you choose a wealth management product, its risk, safety, liquidity and so on should be taken into account. Of course, its income must also be taken into account.

For example, if you don't have much money, don't want to take too much risks, and need to use money at any time, you choose financial products with guaranteed capital and current demand, such as money funds, reverse repurchase of government bonds, and bank deposits. These are the things you should choose when choosing financial products.

And if you have sufficient funds, little liquidity demand and can take certain risks, you can pursue some high-risk and high-yield investments, such as stocks, gold and futures. These are the directions you can choose when choosing wealth management products.