Net value financial products are funds raised by banks and invested in the capital market or money market. The final income of investors depends on the investment income of the bank, and the bank does not promise a fixed rate of return in advance.

In the past, most bank financial products (excluding structured financial products) would clearly give a fixed rate of return within a fixed period. Although the bank marked "expected rate of return", those familiar with the bank People who are interested in financial products know that this expected rate of return is the final rate of return.

Extended information:

Same net value products have different development and redemption periods. Taking the 10 net value products of Shanghai Pudong Development Bank as an example, the opening cycles range from daily opening, monthly opening, quarterly opening, semiannual opening, and annual opening. For each open redemption period, the current net value of the product will be given.

Although different net worth products have different yields, the real returns of these products have certain advantages over fixed-income financial products of the same period, and the annualized return is 1% higher than that of traditional financial products. -3 percentage points.

“Net value products will gradually replace traditional fixed-income financial products and will also become an important development direction of bank financial management in the future.” The relevant person in charge of Wenzhou Branch of Shanghai Pudong Development Bank said, but it needs to be reminded that, Net value products have a wide range of investments and higher yields and investment risks than traditional financial products. They are a type of financial management product for investors with strong risk tolerance.

People's Daily Online - Shanghai Pudong Development Bank's net value financial products attract market attention