A financial plan with guaranteed capital and guaranteed income refers to a financial plan in which a commercial bank promises to pay a fixed income to its customers in accordance with the agreed conditions, and the bank bears the investment risks arising therefrom, or the bank promises to pay the minimum income to its customers in accordance with the agreed conditions and bear the related risks, and other investment income is distributed by the bank and the customers in accordance with the contract, so as to jointly bear the related investment risks.

Capital preservation floating income wealth management products

The financial plan with capital preservation and floating income refers to a financial plan in which a commercial bank guarantees the payment of the principal to the customer according to the agreed conditions, and the investment risks other than the principal are borne by the customer, and the actual income of the customer is determined according to the actual investment income.

Non-guaranteed floating income products

With the development of wealth management market, floating non-guaranteed products have gradually attracted people's attention. The so-called floating non-guaranteed products are those products that do not guarantee the floating rate of return on principal (higher than the guaranteed products). There are basically the following types in the market: QDII, IPO and fund treasure.

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Financial management concept

In the configuration of wealth management products, investors can establish the following concepts:

First of all, we should pay attention to the liquidity of wealth management products. After the interest rate enters the rising channel, investors will face greater interest rate risk: the yield of various investments will rise with the interest rate, and if the long-term investment yield cannot fluctuate with the interest rate, it will lead to actual losses for investors.

Secondly, in the context of rising interest rates, demand deposits and reserves cannot be allocated too much. Investors can use short-term wealth management products or open (rolling) wealth management products instead. These products have the characteristics of "high income, ready to be realized".

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