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Will buying wealth management not get back the principal?
It is possible that the principal of investment and financial management will not be recovered. Any wealth management product has risks, and whether the principal can be recovered depends on the type of wealth management product. Capital preservation and fixed income wealth management products (such as bank deposits, capital preservation bonds, money funds, bond funds, etc.). ) the income and risk are low, and the probability of principal loss is also low. If you invest in non-guaranteed wealth management products (such as stocks, hybrid funds, private placements, etc. ), the risk of high investment income is relatively large, and the probability of principal loss is large.

Financial products are products designed and issued by commercial banks and formal financial institutions themselves. The raised funds are put into the relevant financial markets according to the product contracts, and the relevant financial products are purchased, and the investment income is distributed to investors according to the contract.

The China Banking Regulatory Commission issued the Interim Measures for the Management of the Sales of Wealth Management Products of Wealth Management Companies, which strengthened the management of the sales process of wealth management products, clarified a number of prohibited acts in the sales process of wealth management products, and effectively protected the legitimate rights and interests of investors. These Measures shall come into force on June 27th, 20021year.

Bond type

Investing in the money market, the investment products are generally central bank bills and short-term corporate financing bills. Since individuals cannot directly invest in central bank bills and short-term corporate financing bills, such RMB wealth management products actually provide customers with opportunities to share the investment income in the money market.

Hook type

The final yield of products is linked to the performance of relevant markets or products, such as exchange rate, interest rate, international gold price, international crude oil price, Dow Jones index, Hong Kong stocks, etc.

QDII type

QDII, that is, qualified domestic investment institutions provide overseas financial services on behalf of customers, refers to commercial banks that have obtained overseas financial services on behalf of customers.

QDII RMB wealth management products, in short, are wealth management products that customers entrust their RMB funds to qualified commercial banks, and qualified commercial banks convert RMB funds into US dollars, directly invest overseas, and after the maturity, exchange the US dollar income and principal into RMB for distribution to customers.

Electronic spotlight

New investment and wealth management products

Investment channels

Wealth management products can generally be purchased through commercial banks or non-bank financial institutions.

Traditional channels include banks, insurance companies, securities companies, futures companies and fund companies.

Emerging channels include: third-party financial institutions and integrated financial service institutions.

yield rate

For example, whether the rate of return in advertising is annual rate of return or cumulative rate of return; Whether the product is subject to tax withholding, and whether the rate of return in the advertisement is pre-tax rate of return or actual rate of return.