This is the case with wealth management products in real life. The principal is safe and secure, and the rate of return is definitely low, and the annual rate of return is less than 6%. But I really want to find a wealth management product with an annual yield of 8% to 9%, and I have to break even. In real life, there is absolutely no such wealth management product.
According to the relationship between risk and yield of various wealth management products at present, they are divided into the following four categories:
1, and the guaranteed return rate shall not exceed 6%.
2. If the annual rate of return exceeds 6%, there will be a question mark.
It is dangerous to earn more than 8% a year.
4. If the annual rate of return exceeds 10%, you should be prepared to lose all the principal.
From this dividing line between yield and risk, we can know that there is no guaranteed financial product with an annual yield of 8% to 9% in real life.
Because the wealth management products with 8% and 9% yields in that year did not guarantee the principal, but they had different risks, even the risk of principal loss; On the contrary, the annual yield of those wealth management products with capital preservation is less than 6%, basically reaching 8% to 9%.
The following analysis is based on various financial products in real life. In order to better answer this puzzle, the following analysis is divided into guaranteed and non-guaranteed wealth management products.
First, capital preservation wealth management products
In real life, if the capital is truly guaranteed according to the risk ranking, it is called a zero-risk investment tool. Of all products, only treasury bonds and treasury bonds are the safest.
Secondly, there are bank deposits to ensure the principal and interest, and the principal is safe and secure; Then there are some bonds and money funds. These are all guaranteed financial products.
1, the annual yield of national debt is between 3% and 4.5%.
2. The annual interest rate of bank deposits is between 0.35% and 5.88%.
3. The annual yield of bonds is between 3% and 4%.
4. The yield of money fund is between 2% and 4%.
The above four products are all guaranteed-capital products in real life. According to the annual rate of return of these products, the maximum is no more than 6%, which shows that the rate of return on guaranteed financial management will definitely be lower.
Second, non-guaranteed wealth management products
In real life, there are many kinds of non-guaranteed wealth management products, including banks, insurance, brokers, funds and some trust products.
However, among these various wealth management products, there are also risk levels, which are mainly divided into the following three categories:
1, low-risk, medium and low-risk wealth management products
2. Medium-risk and high-risk financial products.
3. High-risk and high-risk financial products
According to the yield analysis of these wealth management products with different risk levels, the annual yield of truly low-risk wealth management products is less than 6%, and the yield of 5% is relatively high.
Among all wealth management products, if you want to find a wealth management product with an annual yield of 8% to 9%, the risk level must be above medium-high risk, which means there is the possibility of principal loss.
Therefore, according to this calculation, if major financial institutions really want to achieve an annual rate of return of 8% to 9%, they must take risks and accept the probability of principal loss. For example, you can buy some high-risk wealth management products, or invest in stocks, index funds, futures, gold and so on. It is possible to achieve such a high rate of return.
Summary analysis
From the above analysis, we can know that in real life, the annual yield of wealth management products that want to break even is less than 6%, and those that want to achieve an annual yield of 8% to 9% are all risky wealth management products that do not break even.
Therefore, it can't be concluded that there is no guaranteed capital wealth management product with an annual yield of 8% to 9% in real life. I hope everyone must be clear about the relationship between risks and benefits of various wealth management products, either pursuing capital preservation or pursuing high yield. Nothing kills two birds with one stone.
Seeing this question, I can't help but want to answer it. Everyone should understand the laws of the economic market. If there is high income, there must be high risk. There is no sure-fire business. At present, there are few financial products with relatively safe 5% interest rate on the market. Where else can I find a guaranteed financial product with an interest rate of 8%-9%?
If you want to ensure the safety of the principal, then bank deposits are the first choice. After all, the depositors' deposits of the four major state-owned banks can still be guaranteed, and the possibility of bankruptcy is slim; Secondly, the national debt issued by the Central Bank of China entrusted by the central government is relatively safe and reliable. Guaranteed by the national fiscal revenue, they have always been called "Phnom Penh bonds", and there is almost no problem of fund breakage. Or there are some guaranteed financial products sold by banks and financial institutions, which are generally risk-free; Although they are basically risk-free, there is a problem. The yield is very low, generally around 3%, and it is impossible to reach the interest rate of 8%-9%.
Besides, at present, what financial products in China financial market can reach the interest rate of 8%-9%. For example, in the stock market, in the case of good personal operation, interest rates above 8% are not a problem; For example, the financial derivatives market (option futures) uses hedging to earn income. If they judge correctly, they can also reach an interest rate of 8%; However, they are all wealth management products that do not guarantee the principal. They either make high profits or suffer serious losses, and no one will guarantee your principal.
If there is really a place where the capital can be guaranteed and the income can reach 8%-9%, please be sure to recommend it to everyone. I think many people will be happy to buy it. If you hear someone selling you like this, you should be careful. That man may be trying to trick you into buying fake goods. Think twice before doing so to avoid losses.
On the surface, the requirement of 8-9% annual rate of return is really not high. Compared with those investors who demand 15% or even 5% monthly income, 8-9% annualized income seems to have been the conscience of the industry.
However, if it is required to ensure the safety of the principal, it will almost become an unsolved problem, because the current guaranteed rate of return in the financial market is about 4-4.5%.
It is also clear that if there are investment products on the market with an annualized rate of return of more than 8% that still promise to protect the capital, then it can be clearly told that it is either a liar or a trap.
What if the annualized rate of return reaches 8-9% with relatively small investment risk? The reality is that it is possible to achieve the five permanent members, but there is no guarantee that there is no risk at all.
First of all, you may get an annualized rate of return of more than 7% by purchasing wealth management products transferred by banks.
Since last year, some banks, especially national banks, have launched the transfer business of wealth management products. At present, CITIC Bank, Industrial Bank, Zheshang Bank and Shanghai Pudong Development Bank all have these businesses. It is to transfer all or part of the wealth management products that have been purchased from the bank in the wealth management product transfer area of the bank. Some banks call it the night market of wealth management products. Among the transferred wealth management products, Shangjiahui will give up part of the income of the transferred wealth management products, of course, part will be transferred according to the original expected rate of return, and more will give up part of the income. Some yields are above 5%, and the highest can reach above 7%, depending on your luck. Of course, in theory, this transfer will not increase the risk of wealth management products themselves, but after the future wealth management products break the rigid redemption, buying the transferred wealth management products may become the last stick to bear the financial risk.
Secondly, buy a certain stock fund. If you choose well, the income will far exceed 8-9%.
The essence of stock funds is to entrust professionals to speculate in stocks. Although the investment risk is high, the possible income is also relatively high. By the end of June this year, the total scale of more than 5,600 Public Offering of Fund owned by 135 Public Offering of Fund managers (consolidated statistics of classified funds, including estimated funds) was about 13.3 trillion yuan, an increase of 3,654.38+0.24 billion yuan, or 2%, compared with 13 trillion yuan at the end of last year. China Merchants CSI Liquor Fund, which performed best in the first half of the year, made a big profit of 73.73%; The net value of many actively managed partial stock funds increased by more than 50% in the first half of the year, mainly investing in consumption, agriculture and other sectors. As of August 1 1, the average income growth rate of 43 Chinese stocks with complete performance this year-A-share RQFII(A, B, I are counted separately, and each currency is counted separately) is 20.8 1%, which is obviously better than that of Shanghai Stock Index11.20 this year. Therefore, if you choose it well, it may far exceed 8-9%.
Third, if you buy trust products, you can get a yield of more than 8%.
At present, the yield of trust products in the wealth management products market is relatively high, about 8- 10%. Although they are both financial institutions, from the perspective of risk chain, the risk of trust financing is greater than that of bank financing products but smaller than that of funds and securities financing.
Especially after the introduction of the new asset management regulations, all wealth management products are no longer guaranteed capital and interest. In reality, some trust products have delayed payment, but from the perspective of income, trust products are still financial wealth management products with relatively high returns.
Fourth, if you have investment experience, you can invest in stocks.
Although the current stock market situation is not very good, some people even lose their money, but there is absolutely no intention to fool you into entering the market, because your entry into the market is not good for me at all, but the stock market is a conventional high-risk investment method. Although investment such as futures market may be profitable, it is not recommended to increase participation.
Of course, you can also buy some high-yield wealth management products from banks. With the credit stratification and income stratification of bank wealth management products, the income gap between banks is also relatively large. According to the ranking of bank wealth management products in the financial sector, 242 banks issued 1 1 this week, with an average expected annualized rate of return of 4.65438. Of course, there will still be some differences between the expected income and the actual income, and whether the expected income can be achieved remains to be tested by the results. Of course, there is another option after all.