1. During the collection period of wealth management products, the money is only frozen and there is no deduction. .

2. Generally, it is purchased on the same day and can only be held on the next working day.

I met a black platform.

First, master your own risk preference.

Before buying wealth management products, you need to know your risk preference. Under normal circumstances, to buy wealth management products in banks, we must first conduct risk assessment. After the risk assessment, your risk preference level will be given, which is divided into five levels: R 1 (conservative type), R2 (robust type), R3 (balanced type), R4 (positive type) and R5 (radical type). These five grades can basically evaluate your investment scope, risk-return demand and liquidity demand, and also limit the range of wealth management products you can buy.

R 1 grade: conservative. Guaranteed income and low risk; Products have the characteristics of capital preservation, and the rate of return is generally guaranteed. Most of them are low-risk wealth management products, such as savings, government bonds, certificates of deposit, structured deposits and money funds.

R2 level: robust. The principal is not guaranteed and the risk is relatively small. Products are not guaranteed, and the rate of return is generally guaranteed. Most of them are low-risk wealth management products, such as bond funds and brokerage wealth management.

R3 level: balanced type. The principal is not guaranteed, and the risk is moderate. Investors at this level can not only invest in financial products with low volatility such as treasury bonds, bond funds and money funds, but also invest in financial products with high volatility such as hybrid funds and trusts. This level of investable wealth management products does not guarantee the repayment of principal, and has certain principal risk and floating income.

R4 level: active. The principal is not guaranteed and the risk is great. Investors at this level can invest in volatile financial products such as stocks, equity funds, index funds, gold and P2P online loans. The principal risk is high, the repayment is not guaranteed, and the income fluctuates greatly. This kind of investment is more susceptible to market fluctuations, changes in policies and regulations and other risk factors, and the possibility of losses is higher.

R5 level: radical type. The principal is not guaranteed and the risk is extremely high. Investors at this level can fully invest in various highly volatile financial products, such as stocks, foreign exchange, trusts, gold, futures, options and so on. The principal risk is extremely high and the income fluctuates greatly. This kind of investment is easily affected by market fluctuation, changes in policies and regulations and other risk factors, and of course the corresponding expected return will be higher.

Generally speaking, when choosing wealth management products, we must carefully choose the corresponding wealth management products according to our own risk preferences. It is suggested that novices or people with low risk appetite can choose R 1 and R2 wealth management products, and those above R3 need to be carefully purchased.

Second, understand the types of wealth management products

Now the wealth management products launched by banks are not as stable as before. According to the income category, wealth management products can be divided into three types: guaranteed fixed income, guaranteed floating income and non-guaranteed floating income.

1, guaranteed-capital fixed-income type: This kind of product will provide guarantee for the principal and income of wealth management, with low risk and stable income, which is the favorite choice for beginners.

2. Capital-guaranteed floating income type: This kind of product bank can guarantee the security of the wealth management principal, but the income is not fixed. When you choose, you should recognize the point of "floating income" and set your mind.

3. Non-guaranteed floating income type: this kind of product is the upgrade of the second type. Banks no longer provide guarantees for the principal and income, and investors' principal and income will be at risk. It is recommended that friends with certain investment experience buy it. But in fact, the risk of non-guaranteed floating wealth management products is not as great as expected. According to statistics, the yield of such products is above 90%, which means that few products fail to meet the expected yield, and there are few cases of principal loss. Experienced investors can make bold attempts.

After reading the descriptions of the above three types of products, I believe you have a new understanding of bank wealth management products, but you don't have to worry too much. After all, the risks faced by bank wealth management products are still relatively small. As long as you know more about the product type when choosing, you can choose according to your own needs and the risks you are willing to take. Just be careful.

Third, understand the yield of wealth management products.

Before buying wealth management products, you must be clear about the expected rate of return. Choose different products according to your expected rate of return. For example, the yield of 3-year certificates of deposit is around 4%; The performance benchmark of wealth management products of net worth banks is currently around 4.5%; The expected rate of return of P2P online loans is mostly concentrated in 6% ~10%; The average long-term annualized rate of return of hybrid funds is above 10%. In order to achieve the expected rate of return on financial management on time, it is necessary to choose financial products or portfolio of financial products with higher rate of return than expected.

However, the expected rate of return should not be too high blindly, and we must refer to the CPI to rise reasonably, generally 4% to 5.5%. Such a rate of return can be realized in low-risk products, which can not only meet the requirements of asset preservation, but also obtain certain benefits. If the expected rate of return exceeds 6%, it needs to be achieved through high-risk wealth management products. This kind of wealth management products are likely to be in the stock, oil, real estate and other markets, which are risky and need careful consideration.

Fourth, understand the liquidity of wealth management products.

When purchasing wealth management products, we need to pay attention to two periods: the raising period and the investment period.

Raising period: generally about one week, after which interest will be earned. The funds in the raising period are calculated according to the deposit interest rate of the bank. Don't choose products with long raising period.

Investment period: According to the investment period, wealth management products can be divided into 1 month, 1 to 3 months, 3 to 6 months, 6 months to 1 year and above. /kloc-within 0/year is short-term,/kloc-within 3 years is medium-term, and within 3 to 5 years is long-term. At present, the longest investment period of bank wealth management products on the market is five years. There is no good or bad investment period in theory. The key is your mobility.