Is the bank's wealth management fund reliable?
From the perspective of the platform, as long as it is a regular bank, then the bank's wealth management funds are reliable, and it is impossible to cheat everyone to run away. Supervised by the regulatory authorities.
For example: Bank of Communications, China Merchants Bank, China Construction Bank and Agricultural Bank. , all have their own bank apps. If investors want to buy, they can download their own bank's APP directly on their mobile phones, and then bind the corresponding bank card, so they can click in and buy it.
The only thing worth noting is that the fund belongs to financial management, which does not guarantee principal and interest and is risky. Pay attention to its risks in financial management.
Is the bank financing fund safe?
As long as the fund managed by the bank is purchased by a regular bank, the platform is safe, but the fund itself is risky, and there is no guarantee that it will not lose money, but it may lose money.
Generally speaking, there are many types of funds with different risks and returns, which can be generally divided into: money funds, bond funds, hybrid funds, index funds, stock funds and so on.
General money funds and pure bond funds have the least risk, basically do not lose money, and the income is relatively stable. But if these fund types are like convertible bonds, hybrid funds, index funds, stock funds, etc. They are at greater risk.
Fortunately, 20% is possible, but it is the same if you make money, mainly depending on the market situation of the fund. If the fund goes up, it will make money, and if the fund goes down, it will lose money. Therefore, investors must know its risks when buying, and then have a general understanding of their ability to take risks.