Cai Hui financial statistics show that among the 184 financial products in operation, the latest annualized rate of return of 22 financial products is at a loss. Among them, the top three wealth management products with the most serious losses came from China Merchants Bank, Bank of Communications and Ping An Bank, and their latest annualized rate of return losses all exceeded 10%. These three wealth management products are China Merchants Bank's active strategy No.5 wealth management products (3 years), with a current loss of 30.29%; Ping An Bank's Yingfeng 07 12 fund preferred RMB for financial management. Up to now, its rate of return shows that the financial plan has a loss of 10.94%. The latest annualized rate of return of RMB wealth management product "Delibao Baolan 12" (1.5 years) of Bank of Communications shows that the wealth management product is in a loss state of 10. 16%.
China Merchants Bank
There is no lower limit for losses-30% is still within the normal range.
According to Cai Hui's financial statistics, China Merchants Bank's exclusive rights series active strategic financial product No.5 (3 years) invested in China Resources Trust's flexible allocation of No.5 funds trust plan (hereinafter referred to as "exclusive trust plan") entrusted by China Merchants Bank.
According to China Merchants Bank, the trust plan mainly invests in China's legally issued stocks, warrants (limited to warrants obtained when purchasing separable bonds), securities investment funds, exchange bonds, inter-bank market bonds, bond reverse repurchase, money market funds, bank deposits, low-risk bank wealth management products and other financial market instruments that comply with China laws and regulations.
It is reported that China Merchants Bank specializes in wealth management products for private banking customers, with a purchase threshold of 500,000 yuan and an investment period of 3 years. It is a non-guaranteed floating income wealth management product with no stop loss point.
This also means that if the investor subscribes to the wealth management product of RMB 6,543,800+0,000, the expected return on investment will be-4.67% when the net value of the wealth management product per RMB is RMB 0.9533; If the net value per yuan of wealth management products falls to 0.8088 yuan, the investor's return on investment at this time is-19.12%; If the net value of each wealth management product is 1.5 yuan, the return on investment of the product will reach 15.25% on the premise of early termination of the product plan.
Bank of Communications
The loss after one year's operation is 10%
Compared with the above-mentioned wealth management products of China Merchants Bank, the RMB wealth management products of "Delibao Baolan 12" of Bank of Communications also suffered losses in different degrees during operation. The starting date of the income period of this product is 65438+20091October 28th, and the expiration date is 20165438+April 28th, 2009. The expected annualized rate of return is 5.5%, which is currently expected. From the product introduction, the purchase threshold of this wealth management product is as high as 6,543,800 yuan, which is a high-risk non-guaranteed floating income wealth management product.
Bank of Communications said that the funds raised by the wealth management product will be used to invest in the priority beneficiary right of the securities fund investment trust plan established by Shanghai Trust, and the investment income of the wealth management product comes from the trust income that the priority beneficiary can obtain according to the trust contract.
These trust plans mainly invest in the stock pool of 300 constituent stocks in Shanghai and Shenzhen, the subscription and purchase of rights issue, additional issuance and convertible bonds approved by Shanghai Trust, the placement and purchase of innovative funds such as initial public offering, closed-end securities investment funds and open-end securities investment funds (including ETF and LOF funds), closed-end reverse repurchase products of exchange government bonds and bank deposits within 7 days, and futures, options and warrants approved by the trustee.
The capital ratio of priority beneficiary right and general beneficiary right of trust plan is 2: 1, and the stop loss line is 0.85 yuan. When the unit net value of trust property reaches or falls below 0.85 yuan, Shanghai Trust will voluntarily realize all assets to ensure the safety of priority beneficiaries's investment principal and income.
20 10 year 10.8, the net income report of RMB wealth management product "Delibao Baolan 12" released by Bank of Communications shows that on 20 10 year 10.8, 65438+365438. By June 30, 20 10, the net value of wealth management products of "Delibao Baolan 12" of Bank of Communications dropped slightly by 0.0008 yuan to 0.8986 yuan.
On September 30th, 20 10, the net value of the above wealth management products decreased slightly from 0.8986 yuan to 0.8984 yuan, with a loss of 10. 16% per yuan.
Ping An Bank
Excessive loss of return on investment
Investors will be granted a one-year extension for free.
According to Cai Hui's financial statistics, Ping An Bank's Yingfeng 07 12 fund preferred RMB financial plan (hereinafter referred to as "Yingfeng 07 12 product") will expire on September 18 this year. Although the highest annualized rate of return of this wealth management product is expected to be 25%, according to Cai Hui's wealth management statistics, the latest annualized rate of return of this wealth management product of Ping An Bank is-10.94% as of June 3 this year.
According to the product manual issued by Ping An Bank, Yingfeng 07 12 products are mainly invested by funds, and the expected annualized rate of return is expected to reach 6%~25%, with no upper limit. Its purchase threshold is 50,000 yuan, which is a non-guaranteed floating income wealth management product.
According to the asset allocation of the product and the historical data of the fund account managed by Ping An Securities in the past four years, the probability that the annualized rate of return of the wealth management product is greater than 10% after two years is estimated to be 90.29%. With regard to the investment scope of this wealth management product, Ping An Bank will, together with other qualified investors who meet the Administrative Measures for Trust Companies' Collective Funds Trust Plan, entrust Ping An Trust and Investment Co., Ltd. to set up Ping An BBK Fund to optimize the collective trust plan. The investment scope of this trust plan is all kinds of securities investment funds and cash assets publicly issued in China according to law. Cash assets include subscription of new shares, bank deposits, repurchase of government bonds and other investments recognized by customers. It is reported that the investment ratio of securities investment funds is 0% ~ 80%; The investment ratio of cash assets such as subscription of new shares is 20%~ 100%.
On September 3, 20 10, Ping An Bank announced that all customers who purchase Yingfeng 07 12 products can sign an automatic renewal agreement with Ping An Bank. Through this agreement, customers can automatically extend all their financial shares for one year, from September 10 to September19,2016. During this period, the fixed management fee and bank custody fee of wealth management products are exempted through consultation between the trustee and the custodian.