What is structured financial management?

The funds for structured financial management are divided into two parts. One part is to invest in basic financial instruments, such as deposits, bonds, money funds, etc., with little investment risk; The other part of the funds is to invest in financial derivatives, such as options, futures, exchange rates, etc., which is risky.

Is the high expected return of structured financial management reliable?

Take the "Shanghai and Shenzhen 300 Bull Sharks" of China Merchants Bank as an example. This product is a floating expected return. The reason why the highest and lowest have such a big span is because of its investment direction.

90% of the product's funds are invested in fixed assets, such as deposits and bond reverse repurchase. There are also 10% call options invested in the Shanghai and Shenzhen 300 Index. If you want to get the highest expected return, you must meet the following conditions:

During the two-month observation period, assuming that the Shanghai and Shenzhen 300 Index starts at 3,000 points, the Shanghai and Shenzhen 300 Index shall not exceed 3,300 points during the observation period and shall not be lower than 3,300 points after the observation period.

It can be seen from this condition that it is very, very difficult for structured financial management to obtain the highest expected return. The reason why banks set a high expected return is, in the final analysis, just a publicity stunt to attract white people who know nothing to contribute.

Moreover, structured financial management is not only unreliable in expected income, but also unreliable in principal, so be cautious. Ok, structured financial management is over. I hope it helps you.