1, high income: Although many wealth management companies do not guarantee the principal and income, high income is still an obvious feature of wealth management. The overall expected rate of return of bank wealth management products is around 3%, which is higher than bank time deposits. The financial returns of funds and stocks will be higher, but the risks will be greater.
2. Strong liquidity and easy realization: the investment cycle of wealth management is relatively flexible and easy to realize. Those with high liquidity requirements can choose financial management with short investment cycle, while those with low liquidity requirements can choose financial management with relatively long investment cycle.
3. Low investment threshold: Many financial investment thresholds are very low. For example, many funds start at 1 yuan, which makes it easier for ordinary investors to invest.
4. Convenient receipt: Now, with the help of the Internet, financial management can basically be done without leaving home, online financial management, and the receipt and payment of financial management funds are very efficient.
According to the definition, financial management has the following five characteristics:
1. Financial management is a comprehensive financial service, not just the promotion of financial products.
2. Financial management can be financial services provided by professional financial managers, or investors can manage their own money.
3. Financial management is a long-term plan for the customer's life, not just a plan for a certain stage of the customer.
4. Financial management is a process of investment and financial management, not simply buying a product.
5. Financial management may be aimed at individual customers or corporate customers, and financial management tools are usually just financial tools.
Broadly speaking, financial management refers to a professional financial manager who makes clear the financial objectives of customers by analyzing and evaluating their financial situation in all aspects, helps customers to make reasonable and operable financial plans, so that they can meet the needs of different life stages or enterprise development and realize the financial freedom, autonomy and freedom of individuals or enterprises.