After learning more about wealth management products, many investors began to learn to invest in funds to obtain higher expected returns. The most direct channel is banks with high safety factors, and they think that bank funds are safer than fund companies' funds. Is this really the case? Are the funds introduced by banks guaranteed? You should know these things about bank sales funds!

security of bank funds

1. In fact, bank funds are not necessarily issued by banks. Most banks only serve as consignment platforms to sell fund products for fund companies, and their safety factor is the same as that of fund companies' funds, and banks will not be responsible for fund products.

2. The professional quality of bank financial managers is far lower than that of professional fund managers of fund companies. For many financial managers, some professional questions can't be answered, and fund introduction will naturally create many barriers, which will lead to deviations in the funds you choose to buy.

3. Some bank managers focus on business sales, and then according to your investment needs, they will weaken risks, highlight expected returns, and have poor objectivity.

guarantee of expected profitability of bank funds

1. The handling fee will be higher, and it is necessary to purchase and redeem funds. Among all fund sales channels, the bank's subscription fee is the highest. Generally speaking, the subscription fee for banks to buy funds is 1.5%, while many fund companies will discount the subscription rate.

2. The expected return of bank funds depends on the issuing company and fund type, and has nothing to do with banks.

The above is the related content about whether the fund introduced by the bank is guaranteed. It is for reference only and I hope it will help you. Warm reminder, financial management is risky and investment needs to be cautious.