Many people lament: I have been buying wealth management for more than ten years, and this is the first time I have encountered this situation. "Some investors said with a wry smile," Without financial management, money can't be kept.
In fact, bank wealth management products will lose money, and many people can't understand and get used to it. But in fact, this is a reality that we must accept after the new regulations on asset management are put into practice.
2065438+April 2008, China Banking Regulatory Commission issued new regulations on asset management, clearly stating that the asset management business of financial institutions should break the rigid payment and not promise to protect the principal and income. This year, the new asset management regulations ended the three-year transition period and fully landed. Bank wealth management products have entered the era of net worth, and investors bear their own risks and profits.
The days when banks closed their eyes to buy wealth management are over.
Even the bank's financial management is a loss into the fund. If it is worse than the fund, you can sell the stop loss halfway. Is it still worth buying?
1. Why do R2-level banks also lose money in wealth management? Why do banks that are known as low-risk banks also lose money?
This is related to the underlying assets of wealth management products. To put it simply, after the bank takes the money we buy wealth management, it will invest, and the result of the investment directly determines our profit and loss.
The main reasons for the "broken net" of wealth management products are:
On the one hand, the yields of bonds and non-standard assets have declined. Most wealth management products are equipped with fixed income assets, mainly bonds. At the beginning of 2022, due to RRR cuts and interest rate cuts, the expected supply and demand of bonds were unbalanced, which led to a certain degree of retreat of these fixed-income assets.
On the other hand, it is because some wealth management products will also allocate a certain proportion of equity assets. Since the stock market fluctuated this year, the income of wealth management products has been greatly affected.
The risk rating of bank wealth management products is generally divided into five categories, R 1-R5. The higher the risk, the higher the expected rate of return.