At present, basically, wealth management products are risky, unless the contract text agreement indicates that they are capital preservation products, and those that are not indicated are all risks of loss of principal. The specific degree of risk depends on the scope of the investment target of the products, so investment should be cautious.

before purchasing wealth management products, I suggest you read the contract, pay attention to the scope of investment target, risk introduction, etc.

1. After the implementation of the new asset management regulations, the guaranteed wealth management products will gradually withdraw from the market, and the risk of wealth management will increase

Investors should watch more news broadcasts to understand the future trend, so as to avoid risks as much as possible. After the implementation of the new asset management regulations, the guaranteed wealth management products will gradually withdraw from the market, and the core is to break the rigid redemption. From Wu's personal point of view, although rigid redemption is beneficial to investors, banks have to bear risks. Once wealth management products encounter a wave of debt default, the risks of banks should not be underestimated. Obviously, after banks no longer take risks, all risks will be borne by investors.

In the past, the bank's fund pool was reasonable, and it was only possible to cover the losses through higher interest rates, thus realizing rigid redemption. When the fund pool is prohibited, the profit or loss of each fund will be clear at a glance, and the probability of loss will greatly increase.

Second, wealth management subsidiaries have been established one after another. In the future, wealth management funds will enter the stock market, making it more difficult to make stable profits.

The establishment of wealth management subsidiaries has further blurred the boundary between wealth management products and Public Offering of Fund. A large amount of funds can enter the stock market, which is good for the stock market, but for investors, when they make money, they can get very little profit. Once they lose money, they will all lose money. From this perspective, it is better to directly invest in index funds.

The subsidiary of a bank has been legally separated from the bank. Even if it goes bankrupt, it will not affect the bank, which will increase the security for the bank. Accordingly, without bank credit endorsement, the credibility of consumers will be reduced. Once the subsidiaries are more radical and the risk management and control are weak, the probability of more losses will be greatly increased.

Third, with the central bank's RRR cut to release liquidity, the yield of wealth management products has decreased, and the investment value has been greatly reduced

At present, the average yield of wealth management products is basically below 4.2%, which is basically equivalent to the bank's three-year large deposit certificate. It should be noted that the expected income of wealth management products is not equal to the real income. Due to the instability of income, if you buy wealth management products for three years in a row, the final income will often not win the three-year large deposit certificate.

certificates of deposit, government bonds and structured deposits have all become strong competitors of wealth management products. As far as the moment is concerned, wealth management products have no obvious advantages except shorter term and better liquidity.

High-yield wealth management products are risky, and the wealth management products that can reach 5% are basically non-guaranteed. If there is no high requirement for liquidity, private banks' five-year deposits or cash management products based on them are also a good choice. After all, the latter can safely protect the principal and the income.

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