Ultron's financial management is true. Nowadays, wealth management products are very popular with the public. The reason is that the interest rate of wealth management products is much higher than that of ordinary bank deposits, so many people choose to buy wealth management products. But there are many wealth management products, which may lead us to be cheated. It is very important to learn to distinguish the authenticity of wealth management products. The following is a detailed introduction.

1) Banks and formal financial institutions.

Strictly speaking, as long as it is under the supervision of the CBRC, brokers, insurance companies, trusts and fund companies with financial licenses are all formal financial institutions. In other words, the wealth management products purchased in commercial banks are the same as those purchased in the above-mentioned institutions in principle. 2) Financial products are contracts.

It is a product that the raised funds are invested and purchased related financial products according to the contract, and the proceeds are redistributed to investors. Speaking of which, do you feel that wealth management products are familiar? It seems that many funds are also like this. In fact, wealth management product is a broad name. Generally speaking, financial products can be divided into funds, stocks, bonds, savings, foreign exchange, futures and derivative financial products. Their risks and benefits are equal. In other words, the higher the income, the greater the risk. 3) The purchase channel of wealth management products is not just a single bank.

Personal suggestion: you can go to some well-known large securities companies and fund companies to study financial business. In the past two years, the threshold of financial products has also been greatly reduced. Securities companies are called investment banks in America. Investment is also one of their main businesses. )。 After all, many commercial banks now only sell wealth management products as agents. Instead of letting banks earn fees, it is better to buy higher-yielding ones directly.

Wealth management products are equivalent to bank deposits, which may have higher returns, but both benefits and risks coexist. The higher the return, the greater the risk. Therefore, the purchase of financial management also needs to identify the true and false.