The expected income of fixed-income wealth management products is locked in a certain range, but the risks of the products still exist. Within the scope of risk control, pay according to the agreed income. If there are uncontrollable risks, the principal and income may still face losses.
There are many kinds of fixed-income wealth management products, many of which have little risk and relatively good returns, and are the main battlefields of investment and wealth management at present. Whether conservative investors or radical investors, fixed-income wealth management products are worth considering.
Fixed-income wealth management products play a stable role in the whole asset allocation system, but this is not a capital preservation wealth management product, but it will give investors an interval rate of return. For example, when buying a national debt, an interest rate will be given when it is issued, and interest will be calculated according to the interest rate in the contract later.
Fixed-income wealth management products include time deposits, money funds and bond bank assets. The longer you invest in such fixed-income products, the more you will get. Banks have launched a variety of wealth management products to meet the needs of investors, including capital preservation and non-capital preservation. The expected income, investment direction and risk of different wealth management products are different.
After the promulgation of the "New Regulations on Asset Management", bank wealth management products gradually turned to net worth products, and bond products still continued their usual names, but according to the market and investment targets, net worth fluctuations and real risks appeared.
Judging from the characteristics of fixed-income wealth management products, they are suitable for cautious and steady investors, while those enterprising and radical individual investors often do not choose such wealth management products. Before buying wealth management products, do a risk assessment to see what kind of investor you are.
"Fixed income plus" refers to a wealth management product consisting of fixed income assets as the main body and some assets with high risks. "+"means increasing income and expanding risks. Specifically, the fixed income part is mainly bond investment, striving for relatively stable income, while the "+"part can be stock investment, innovation, fixed convertible bonds, stock index futures, government bond futures and so on.
The core strategy of "fixed income plus" is to use bonds to build asset safety mats and pursue relatively stable investment income; On the other hand, it uses high-risk assets such as stocks to strengthen, seek better attack and balance the diversified fund portfolio.