Or when you are old and have a large savings, you can achieve it.
For the vast majority of people, it is difficult to achieve this goal in old age, not to mention that in old age, that is, when they are young or middle-aged, it is difficult to ensure that they have enough cash to buy bank wealth management products for themselves.
Bank pension products are only a supplement to their own pensions. For the vast majority of people, if they want to provide for the aged, they still have to provide for the aged by themselves. We often ignore that any wealth management product has certain risks, and bank wealth management products are no exception, but the risks are high and low. If you pin your pension entirely on this wealth management product.
Bank pension products should only be suitable for those who really have some spare money and think that their retirement pension can't guarantee their daily life. But for the vast majority of people, if they want to realize their own pension, they must make detailed plans and come up with feasible solutions that really suit them.
Bank pension financing products can optimize the service and guarantee for investors and provide more convenient, efficient and high-quality personal pension financing services.
Personal wealth management products launched by ICBC Wealth Management this time include four products in the "Enjoy" series, with the most complete term and better product competitiveness and richness. From the product form, they are all products with the shortest holding period, with different "lock-in periods", long-term investment, closed operation and sharing the economic growth dividend with investors. In terms of investment style, the benchmark of product performance is between 3.7% and 5.75% annually according to different periods. The investment style is stable, and the diversification strategy is adopted, paying attention to the safety margin of portfolio.
ICBC launched four personal pension financing products, all of which were sold by China Industrial and Commercial Bank. Customers can buy after opening personal pension accounts and personal pension fund accounts. Before the official opening of personal pension business, * * * 23 commercial banks and 1 1 financial management companies were selected as the first institutions to start personal pension business, and the first batch of insurance products and pension fund products were also announced. Related insurance products have been expanded many times, but wealth management products have been slow to move.