Two. Specifically, the differences between bank wealth management products and bank deposits are as follows:
1, different definitions:
Bank deposits are money kept in the bank. It is an integral part of monetary funds. Wealth management products, that is, products designed and issued by commercial banks and formal financial institutions, are a kind of wealth management products that invest the raised funds in relevant financial markets, purchase relevant financial products according to product contracts, and then distribute them to investors according to contracts.
2. Different types:
Bank RMB financial products can be roughly divided into bond type, trust type, linked type and QDII type. Bank deposit accounts are divided into basic deposit account, general deposit accounts, temporary deposit accounts and special deposit accounts. Basic deposit account refers to the account deposits used by enterprises for daily transfer settlement and cash receipt and payment, which can be divided into demand deposits, time deposits and savings deposits according to time.
3. Different incomes:
Generally speaking, the income of wealth management products is higher. Among wealth management products, treasury bonds and funds are good, but the risks of wealth management products are relatively large. Personal investment should be carefully considered before investing. Bank deposits earn interest according to the interest rate given by the bank, but pay attention to the inflation rate, otherwise it is actually a loss to deposit money in the bank.
Third, expand information-what bank wealth management products are there:
1. Prudent wealth management products The bank's wealth management products will definitely be marked with categories after the product name. Those wealth management projects marked with R 1 are low-risk products. This kind of product has the lowest risk, can almost break even, and is highly liquid and can be redeemed at any time. Its investment assets are mainly monetary instruments, bonds, interbank deposit certificates, trust plans or other financial assets. Generally speaking, you will not choose stock assets, so you will not be affected by market turmoil. In the final analysis, the probability of principal loss is very small.
2. Robust wealth management products: Generally speaking, R2 will be marked after the product name, which belongs to low-risk wealth management projects. They are not guaranteed financial management, and their investment scope is similar to R 1, but in terms of income, they belong to floating income. There are many insurance financing funds, which belong to this category. Usually, the closed period is very short, such as 28 days or 60 days. Although it is not guaranteed, the risk is basically controllable. If you are willing to hold it for a long time, it is basically a positive return.
3. Products such as balanced wealth management products are usually marked with R3 after the name, which belongs to medium-risk wealth management. Medium-risk financial management projects do not guarantee the repayment of the principal, and there is a certain principal risk because of the volatility of their investment projects. Simply put, the income is floating, accompanied by a certain risk of principal loss. The reason for the obvious fluctuation is that the assets it invests in include not only fixed income assets, but also equity assets (stocks, commodities, foreign exchange) and financial derivatives. Of course, the final proportion of financial derivatives usually does not exceed 30%.
4. Aggressive wealth management products Aggressive wealth management products are divided into R4, that is, medium and high-risk wealth management projects. It also does not guarantee the payment of the principal, the income fluctuates relatively more, and the probability of principal loss is greater than that of previous financial projects. This is mainly because the assets it invests in fluctuate greatly, such as stocks, gold, foreign exchange, etc., and the proportion of these assets is still relatively high.
5. Aggressive wealth management products, such as wealth management products, are R5-level high-risk wealth management products, usually stock products. Its principal risk is extremely high and its income fluctuates greatly. It mainly invests in volatile assets, and can also be traded through derivatives or leverage, so it will be easily affected by market fluctuations or policy adjustments. If there is a loss, the degree of principal loss is quite large. Generally speaking, buying wealth management products in banks is definitely risky. When investing, the higher the risk level of the wealth management project we choose, the greater the possibility of principal loss.