Most people pay attention to the yield, investment cycle and risk of wealth management products when buying bank wealth management, and rarely pay attention to the yield of products. The product rate directly affects our product yield, which needs our attention.

Bank wealth management products have become net worth, and the rate of wealth management products has also changed.

The rate of net wealth management products includes several aspects: custody fee, sales fee, subscription fee, redemption fee, floating management fee and other fees. Among them, the fixed management fee, custody fee and sales fee are generally fixed rates, which are usually accrued daily and paid regularly according to a certain proportion of the net assets of the wealth management products on each specified valuation date.

Different banks, different products and different rates. Generally, the rate is introduced in detail in the details of wealth management products or product specifications.

The average annual fixed management rate of bank net worth wealth management products is between, the annual sales rate is between and the annual custody rate is between.

The average fixed management fee of bank financing subsidiaries is the average sales fee and the average custody fee. In fact, the rate standard of bank wealth management products has been much lower than before. Since the new regulations on asset management, the overall rate of bank wealth management products has shown a downward trend, and all expenses have been reduced to varying degrees.

There is also a variable fee for net worth products, that is, floating management fee, that is, excess performance reward. During the product duration, the cumulative annualized rate of return exceeds the performance comparison benchmark, and the excess will be charged according to a certain proportion. To some extent, the collection of floating management fees can encourage institutions to actively create income higher than the performance benchmark.