Net-worth wealth management products have the characteristics of transparent information and flexible redemption, with no expected income and no investment period. Products are open weekly or monthly, and users can buy and redeem them during the opening period.
Net worth wealth management products have no expected income, and banks do not promise fixed income. The benefits gained by actual users are related to the net value of products. Simply put, if the net value of the product is 1 when the user purchases it, the user's income on the next open day will be 1.2- 1 = 0.2.
Because net worth wealth management products have no expected income and banks do not promise income, the possibility of loss is higher than that of ordinary wealth management products, and the risk is relatively high. The actual income of net-worth wealth management products depends on the net difference when users buy and sell. Their net value when they buy is higher than that when they sell, and users lose money, otherwise users make profits.
Extended data:
Wealth management products will have an investment period, and when the products expire, the funds cannot be redeemed. The net-worth wealth management products are open every week or every month, and users can redeem their own funds at will, so the liquidity of funds is much higher than that of ordinary bank wealth management products.
The highest annualized income of net worth wealth management products is 7.2% (monthly growth), which provides benchmark income and gives you a return that exceeds expectations. The income of traditional wealth management products is fixed, there is no surprise, and there is no room for more floating income.
What is the difference between net worth and traditional wealth management products? What is the difference?
Baidu Encyclopedia-What is a net worth wealth management product? What are the characteristics?