Second, from the perspective of liquidity, both the bank's wealth management products and the money fund are relatively flexible, and the term is generally within one year, and some can be withdrawn at any time! The liquidity of this insurance product is not good!
Thirdly, from the perspective of security, structured wealth management products are highly secure, with the same risk level as bank deposits, so be cautious about R 1! The risk level of the money fund is about R2, which is steady! The risk level of this product, estimated by experience, should be R2-R3, that is, a stable or balanced product, and its safety is not outstanding!
Fourth, from the stability of income! Structured wealth management products, money fund income is stable, and some even settle accounts every day! Income investment can be regarded as rolling investment, which is what people call snowballing! Moreover, this product will return the principal and income in one lump sum after five years, and the income is not fixed! Obviously the stability is not as good as other products! Fifth, the cycle of the financial industry is currently in the global interest rate hike cycle, and interest rates may be raised at any time or even continuously! So, in five years, really want to talk! Sixth, we should also see that this product has some advantages, such as the annual investment of 1000 yuan, which lightens the burden for friends who can't spend 30,000 yuan at one time! At the same time, insurance wealth management products generally have certain insurance functions! It is not mentioned in the title, so I won't make a specific introduction for the time being!
In short, if we simply look at the product from the perspective of financial management, it is not a big problem to get back the principal, but the country with a profit of 5,000 yuan is not allowed to make a promise! Compared with its subsequent wealth management products, it is not outstanding, and it is difficult to estimate after five years! The advantage is to reduce the one-time investment burden, and there may be some follow-up protection!
Then how to surrender? Is there a loss of principal? If you feel inappropriate after reading the above, you may think of two questions: how to surrender, and will surrender lose the principal? First of all, insurance products generally have a "hesitation period", and this product is no exception. If you feel that it is inappropriate, you can surrender your insurance within 15 natural days without losing the principal. Second, if you want to surrender after the hesitation period, there may be a certain loss of principal. As for the loss, it depends on how the contract was defined at that time. Thirdly, if the bank staff exaggerates the publicity or promises when selling this product to you, and you have audio evidence, you can complain to the CBRC, so that you can also complete the surrender without losing the principal.