After the promulgation of new asset management regulations in 2018, bank financial management has gradually transformed from expected return to net value in the past two years, and the product operation model has also changed from the original closed type to an open or regularly open product that can be applied for and redeemed at any time. The investment target

Bank wealth management products that mainly focus on fixed-income assets are more similar to bond-type public funds.

In the opinion of professionals, “the net asset value will fluctuate with market fluctuations. The financial products that have experienced floating losses recently are mainly affected by the adjustment of the bond market, and it coincides with the open period for subscription and redemption of the product. If the investment is only

If you perform a redemption operation at this time, you may lose your principal. "In the future, with the transformation of financial products to net value, there will be more and more two-way fluctuations in the returns of bank financial products. This will become more prominent after the end of 2020.

The range may also become larger and larger, and customers need to bear market risks.

What we need to know is that this "abnormal/new normal" should actually be a normal phenomenon in finance. What we are experiencing now is a process of gradual opening and progress of the domestic financial market.

As investors, in the process of future financial management, we need to spend more energy to understand every financial product we buy, including the investment direction and underlying assets, so that we can measure whether we can bear the potential risks faced by these products.

, reasonably plan the correct response methods to be adopted when encountering negative returns.

Of course, it is also necessary to consult a professional wealth manager around you before buying or selling products.