Net worth wealth management products are non-guaranteed floating expected income wealth management products, and there is no expected income, and banks do not promise fixed expected income. The change of product net value determines the expected income or loss of investors.

Non-net-worth wealth management products are the opposite of net worth, that is, fixed expected returns obtained according to market conditions.

The difference between net worth wealth management products and non-net worth wealth management products

1, with different liquidity, non-net-worth wealth management products will have an investment period, and the funds cannot be redeemed before the product expires; Net-worth wealth management products increase liquidity on the basis of closed-end wealth management, and there are open days every week or month, so the purchase and redemption are relatively more flexible.

2. The transparency of information disclosure is different. Like open-end funds, net-worth products regularly disclose expected returns, which is more transparent than non-financial products.

3. Net worth wealth management products are linked to different markets, especially high-risk markets. When the market rises, the expected income will be higher than that of non-net-worth wealth management products, but when the market is not good, it may lose money.

The risk of net-worth wealth management products is higher than that of non-net-worth wealth management products, because net-worth wealth management products are linked to different markets, especially high-risk markets, while non-net-worth wealth management products are unchanged, and an expected or fixed rate of return will be agreed when products are issued, so the risk of net-worth wealth management products is higher than that of non-net-worth wealth management products, but the income is also higher.

In essence, the risks invested in products with expected returns are difficult to be reflected in the changes of product value in time, and customers cannot judge their own risks and real returns, which leads to customers with different risk tolerance may buy the same products, thus leading to the mismatch between investors' risks and returns. Generally speaking, all investment and wealth management products are high-risk and high-return. So it is up to you to choose!