I. Concept and characteristics
Net worth wealth management products, as the name implies, are wealth management products denominated in net worth. Common net worth financial products include money funds, bond funds and equity funds. The characteristics of net worth wealth management products are as follows:
1. The price of net wealth management products is determined according to the net share value.
2. Investors can buy or redeem at any time, which is very flexible and convenient.
3. The income of net worth wealth management products is directly related to the market return.
From these characteristics, we can see that the net worth wealth management product is a very flexible wealth management investment product.
Two. Risks and benefits
The yield of net worth wealth management products can be divided into expected yield and actual yield. The expected rate of return is reported by the fund company, and the actual rate of return is calculated according to the net value of the fund, dividends and other factors. The yield of net worth wealth management products depends on market conditions, so the yield fluctuates greatly.
Corresponding to the rate of return is risk. Because the yield of net worth wealth management products depends on the market situation, its risk is also high. Although flexible redemption mechanism can alleviate some risks, investors still need to pay attention to market conditions and control risks.
Third, it is suitable for people and usage scenarios.
Net worth wealth management products are suitable for some investors with higher expected returns, or investors who need to open positions flexibly at any time. The purchase threshold of net worth wealth management products is low and convenient, and it is also suitable for some financial novices or people with more idle funds.
Net worth wealth management products also have their usage scenarios. For example, enterprises need short-term financial management and can choose to buy money funds; Individuals who need to temporarily store funds before housing transactions can choose to buy bond funds.
Four. merits and demerits
Net worth wealth management products have the following advantages:
1. It is highly liquid and investors can redeem it at any time.
2. Low investment threshold, suitable for all kinds of investors.
3. Risks and benefits can be easily balanced, and investors can choose suitable products according to their own needs.
Net worth wealth management products also have the following shortcomings:
1. The yield fluctuates greatly, so we need to pay attention to the market situation.
2. The investment risk is high, so you need to choose carefully.
3. Because the net wealth management products are managed by fund management companies, there are problems such as management level and moral hazard.
Generally speaking, the net-worth wealth management product is a very flexible wealth management investment product, and all kinds of investors can consider buying it. However, it should be noted that investors need to choose carefully and understand their own risk tolerance and market conditions in order to obtain the maximum benefits.