Is the income of bank wealth management products high?
Whether the income of bank wealth management products is high or not depends on the specific wealth management products. At present, there are many kinds of bank wealth management products, including low-risk, low-yield, medium-risk, medium-yield and high-risk and high-yield products.
1. Fixed-income wealth management products: refers to wealth management products with fixed income. At present, banks rarely have fixed-income wealth management products.
2. Equity wealth management products: refers to wealth management products that invest in equity assets such as stocks and funds at a ratio of not less than 80%, which is a kind of bank wealth management with relatively high risks and returns.
3. Wealth management products of commodities and financial derivatives: refers to wealth management products that invest in commodities such as foreign exchange and futures and derivative financial products at a rate of not less than 80%, with higher returns and greater risks.
Why don't banks recommend buying wealth management products?
1. Financial management is risky. Generally, the wealth management products of banks are sold by banks and operated by other financial companies. However, after customers who buy wealth management products lose money, they will think that the bank is poorly managed and loses money, which will affect customers' trust in the bank, and then affect the bank's reputation and business.
2. There are many kinds of wealth management products, the investment threshold and yield are quite different, the actual needs of each customer are different, and the policy environment and market conditions will change at any time. Therefore, banks need to consider many factors when promoting wealth management products. It is difficult for ordinary people to provide comprehensive suggestions and services, but only general suggestions and tips.
3. Banks are financial institutions. Considering risk control, they need to comply with various regulatory regulations and requirements.