1, benefits and risks
Bank of Communications' wealth management has steadily increased and consolidated its income for six months. The performance benchmark of No.9 is that its income is higher than that of similar wealth management products. However, it is worth noting that although the income is high, there will be certain risks. The design of this wealth management product belongs to the net value type (non-guaranteed floating income).
This means that the principal is not guaranteed, that is, there is the possibility of loss, which belongs to the 3R balance type, and the risk is not particularly large, but it is not particularly small, which belongs to the medium risk.
2. Investment threshold and liquidity.
The investment threshold of this wealth management product is very low. You can buy it from 1 yuan, and almost everyone can buy it. However, it is worth noting that its liquidity is not particularly good. It is a product that is open regularly for 6 months. If investors do not voluntarily redeem products before the end of the opening period, their funds will enter the next investment cycle.
3. Historical performance.
The historical performance is relatively stable, the preferred bonds are firmly bottomed out, the multi-asset and multi-strategy rotation is enhanced, the income is relatively flexible, and the yield trend is positive for the time being. Although the past income does not represent the future, it will still have a certain reference function.
Summary: From the aspects of income and risk, investment threshold and liquidity, historical performance, etc., it is not bad for Bank of Communications to launch No.9 wealth management product after six months of steady wealth management, but because it belongs to 3R balance type, there will still be some risks, so investors must carefully consider it when purchasing.