1. Closed-end wealth management products adhere to the principle of high returns. Generally speaking, closed-end wealth management products have relatively high returns and poor liquidity, and it is even more impossible to redeem them in advance or redeem them in advance.
2. Net worth wealth management products are wealth management products issued by banks, which are similar to funds and have no investment period and expected income. Net worth wealth management products are highly liquid. During the opening period, users can inquire about net worth, purchase and redeem, and banks will open regularly according to the agreement.
Therefore, net-worth wealth management products have increased liquidity on the basis of closed-end wealth management. Net worth wealth management products have an open day every week or month, and the purchase and redemption are relatively more flexible.
Secondly, similar to Public Offering of Fund, net worth products regularly disclose their earnings, which is more transparent than the traditional wealth management products of banks. Thirdly, net worth wealth management products are linked to different markets, especially some high-risk markets; When the market is good, the income will be higher than that of ordinary wealth management products, but when the market is bad, it may also lose money.
Extended data
There are several ways to manage money:
1. Bank investment
The wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.
2. Financial management of securities companies
Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.
3. Insurance financing
Insurance financing tends to be long-term, focusing on solving education planning and pension planning after a long time, and solving security problems such as accidents and medical care.
4. Investment company financing
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and third-party financial management. With high initial capital requirements, it is suitable for high-end financial managers.
5. E-commerce financial management
2 1 century, in addition to online banking, financial search engines on the internet can also be used to search for financial products, compare risks and benefits, and then make investments.
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