Which bank's one-month short-term wealth management products are better?
How about a short-term financial product for one month?
Banks generally sell 50,000 wealth management products with a term of more than one month. If you don't have much money and are worried about urgent need, it is recommended to buy a money fund. There is no limit to the amount. You can redeem it on the same day and get it the next day. The risk is extremely low, and it can be purchased and redeemed at any time (during trading hours on working days).
First of all, financial management is mainly determined by comprehensive financial planning such as fund scale, investment period, purpose, risk tolerance, income and fixed assets. Secondly, to protect the capital, it is necessary to maximize the income, but I don't know if you want to do short-term financial management or long-term financial management.
1. If you want to do short-term financial management for less than half a year, you can consider doing Yu 'ebao. Why do you say that? Although the expected annualized expected income of Yu 'ebao is not very high, it is basically stable. The expected annualized expected return of Yu 'ebao for half a year is above 5% and 5.2, which is higher than the bank's 5% period. You can consider Baifubao, Licaitong and Yu 'ebao.
(Note: The expected annualized income of short-term financial management of banks is generally not too high, but 4% is good. Short-term financial management of banks is also scheduled and not very flexible. )
2. If you want to do long-term financial management around 1 year, you can consider funds or national debt. Some fund companies will use the expected annualized expected income to protect their capital. It is usually expected that the annualized expected return will not be too low, mainly depending on your capital. The basic year is about 10- 12%.
Finally, the purpose of investment and financial management is to make our family life better, so it is more important to be cautious and steady. The idea of eating a fat man in one bite is not correct.
Is a one-month short-term wealth management product safe?
Some banks have purchased non-traditional wealth management products for investors with a large amount of funds, and many products have historically expected annualized expected returns even exceeding 10%. For example, some banks and subsidiaries of trust or fund companies expect the annualized expected return of short-term products to exceed 8%, but the investment threshold for such products is usually 500,000 yuan. Some banks have designed short-term agreement deposit financing products for investors with hundreds of yuan or even tens of millions of funds, and their historical expected annualized expected income can reach 10%. For example, a number of trust wealth management products linked to the expected annualized interest rate of interbank deposits in a small joint-stock bank have an investment period of 3 1-62 days, and the historical expected annualized rate of return is 1.4% less than the expected annualized interest rate of interbank deposits on the establishment date of the trust plan, and its historical expected annualized rate of return is as high as 8.6%- 1 1%. "The expected annualized expected rate of return of this series of products is rare, and the purchase is very cost-effective." The bank's wealth management manager said, but the products are only sold at the counter and will not be publicized, only for individual customers and private banking customers with a certain amount of funds.
When investors buy wealth management products with higher expected annualized expected returns, they should not simply believe in the historical expected annualized expected returns, but must understand the investment direction and investment risks of the purchased products and make a good risk assessment. In addition, most of the short-term products with higher expected annualized returns in the market have the risk of unclear capital investment and investment ratio. For example, if a short-term product of a bank has an expected annualized expected rate of return of 7.2%, the investment scope is only marked as "interbank deposits and other investment instruments that meet the requirements of regulatory agencies". In case of such vague explanation, investors had better make it clear before buying. Some products only give "investment in the money market, with the interbank deposit ratio of 20%- 100% and other assets not higher than 50%, and the above investment ratio can fluctuate within the range of 0-20%", which means that the actual investment ratio of other assets can be as high as 70% or as low as 0%. If 70% is invested in high-risk assets such as trust, the potential risk of this product is very high.