Personal suggestion: The income of this wealth management product is much higher than other wealth management products of the bank. If you are interested, you can buy in moderation, and don't buy too many bank wealth management products.
So how do we correctly choose bank wealth management products?
Living expenses management: Living expenses are mainly used for daily expenses. The management of this money should be safe and flexible to ensure that it is available at any time. Therefore, it is suitable to buy products with high liquidity, low risk and better income than demand deposits, such as money funds and cash management wealth management products.
Major guarantee: The main purpose of this investment is to improve the ability to resist unknown risks. You can consider buying insurance products such as health insurance, or you can buy them through bank channels. However, when purchasing insurance products, you need to know whether the related products can meet your own personal and property protection needs and avoid blindly using insurance products as investment tools.
Seeking investment income: Different customers have different expectations of investment income. Customers can complete the risk assessment questionnaire before purchasing wealth management products for the first time and purchase corresponding wealth management products according to their own risk assessment results. Those customers with sound financial management can choose fixed income wealth management products, pure debt products, "fixed income+"wealth management products and bank-insurance cooperation products.
Luzhou City Commercial Bank is a local commercial bank in Luzhou City. Founded in September 1997, it consists of urban credit cooperatives and rural credit cooperatives. It has nearly 300 employees. In addition to the traditional deposit, loan and settlement business, Luzhou Commercial Bank has also developed bank cards, telephone banking, agency insurance, agency fees and bills according to the needs of local enterprises and citizens. At present, Luzhou City Commercial Bank has four tier-one branches with 265,438+0 outlets.