Minsheng Bank Plus Financial Risk Rating
The risk rating of Minsheng Bank's wealth management is low risk, that is, it does not break the capital, but the risk of loss is very low. Yu 'ebao is also low-risk, and the safety of this product is similar to that of Yu 'ebao. In fact, as a wealth management fund, the risk of Minsheng Bank Plus is not much different from that of the money fund, because the investment scope of the two types of funds also overlaps, so investors need not worry too much about their risks.
Investment scope of people's livelihood plus bank financing
Minsheng Bank Plus Wealth Management is a short-term wealth management bond fund, which mainly invests in short-term bonds and bank deposits. The expected return is as stable as the money fund and the possibility of loss is relatively small. On the other hand, in extreme cases, if the invested bond defaults and cannot be redeemed, the product may still generate losses. Wealth management funds are different from deposits. Although the risk is low, it cannot be said that it is impossible to absolutely protect the capital.
Historical expression of people's livelihood and bank management
The expected annualized rate of return of Minsheng Bank's wealth management in recent March is relatively high, and the expected income trend is relatively stable. This fund has been in operation for more than five years, and there has never been a loss of principal in history. Although the expected income has risen and fallen, it has been making money. Historically, the investment risk of people's livelihood plus bank financing is relatively low.
Based on the above three aspects of analysis, we can see that,
The risks of people's livelihood and financial management are relatively small.
, its expected rate of return is not bad, and wealth management users can consider it appropriately.