In the financial market, classified financial management is a common financial product. For example, there is a fund in the stock investment market called graded fund, which is a typical graded wealth management product. It divides a fund into priority and sub-priority.
Classification of hierarchical financial management:
1. by amount and time period
The larger the amount, the higher the expected income; The longer the time period, the higher the expected return. For example, an ordinary wealth management product with a term of 1 month, whose expected income is lower than that of a product with a term of 3 months, is divided according to the length of the term.
2, according to the size of the risk classification
According to the risk, classified wealth management products can be divided into priority and inferior level. The principal and expected income of priority are relatively low and guaranteed, and the inferior level bears greater risks and the expected income may be higher. Similarly, take graded funds as an example. The graded fund splits the parent fund into an A share and a B share. A is the agreed expected return category, and stable expected return will be obtained no matter how the market changes. B is the leverage share category. After paying A's expected income as agreed, B will bear the rest, whether it is profit or loss. Usually, the graded fund refers to the B share. Therefore, in terms of investment, graded fund A is usually called bond fund, and graded fund B is called leveraged fund.
Graded wealth management products are no strangers, but in the process of investment, we must recognize the risks in order to have a clear goal. Tips: Financial management is risky, and investment needs to be cautious.