Because the expected income of money funds such as Yu 'ebao is getting lower and lower, many people no longer put their money in Yu 'ebao, but invest in bank wealth management products. China Merchants Bank Chaozhaojin is a T+0 bank wealth management product with a starting price of 1 1,000 yuan, which supports deposit and withdrawal, with an annualized expected return of 3.99%. So, is it risky for China Merchants Bank to go to gold? Let me analyze it for you today.

First of all, from the perspective of risk rating.

China Merchants Bank's super-investment is a bank wealth management product, and T+0 bank wealth management is a name of the bank's open wealth management product. As long as the daily subscription and redemption are real-time confirmed bank financing, it is T+0 financing.

The risk rating mechanism of T+0 wealth management products is consistent with bank wealth management, and it is divided into five grades: R 1 to R5. R5 has the highest risk, and China Merchants Bank's Chaozhaojin (taking 8 197 products as an example) has a robust risk rating of R2, so its investment risk is still relatively low.

Second, from the perspective of expected income.

China Merchants Bank is a diversified financial planning product with high liquidity and redeemable at any time. The financial plan does not guarantee the principal, and the expected income fluctuates, which means that the expected income is not capped and the bottom is not guaranteed.

Even so, the expected annualized rate of return of products with super-cash is generally around 3.4% to 3.5%, which has reached the expected level of expected returns. Therefore, the expected income of China Merchants Bank is relatively stable, there is no national loss in history, and there is no problem with the expected income payment of principal. Judging from the historical expected return, China Merchants Bank's super-Zhao Jin investment risk is low.

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