First, the benchmark interest rate for performance comparison is no longer the expected rate of return. The pension wealth management products issued this time are all net worth wealth management products, and their interest rates are also the benchmark interest rates for performance comparison.
The benchmark interest rate of performance comparison is only the passing line of the fund manager exam, which may pass or fail. Since the implementation of the new asset management regulations, it is also the basic requirement of the country to cultivate investors' responsibility of taking risk awareness. In other words, the worst case of these wealth management products is that they may lose money or even be wiped out by the whole army. This is what experts call risk.
But the probability is quite low. The probability of total loss of wealth management products is almost equivalent to the risk of bankruptcy of large commercial banks such as China, agriculture and industry. But the actual rate of return may not meet the requirements. After all, the double whammy of stock and debt in recent years has caused many banks' net worth wealth management products to lose money.
Second, most of these wealth management products are closed for a long time. Basically, they are all five-year wealth management products and cannot be redeemed during the closed period. This represents the weak liquidity of these wealth management products. In case we need money urgently, we can only look at the form of wealth management products.
Perhaps the country will improve the relevant credit policies in the later stage, such as realizing the mortgage realization of pension wealth management products to meet people's short-term cash flow needs.
The rate of return is closely related to risk and liquidity. If you have a high expectation of income, you should choose a wealth management product with higher risk. The worse the liquidity, the higher the rate of return you can get.
Third, the reasonable collocation of family financial planning. When choosing wealth management products for the aged, this kind of money should be characterized as long-term stable value-added money, and the overall investment ratio is generally not recommended to exceed 40% of the total household assets. In fact, the familiar real estate investment also belongs to this kind of assets.
In addition, qualified and experienced individuals should invest 30% of family assets in high-risk and high-yield products such as stocks or equity funds, which can drive the rapid appreciation of family assets.
Assets used to deal with accidents generally need to ensure that 20% of family assets are left behind. It is best to buy certain insurance to reduce the related impact through leverage effect.