One: How is the seven-day gold rush income of Jinghua Vision calculated?
1, the Monetary Fund announces every ten thousand earnings and the seven-day yield of the previous trading day every day, in which every ten thousand earnings are net earnings after deducting management fees, custody fees and sales service fees. "
The annualized rate of return on February 7 is the annualized rate of return converted from daily compound interest based on the net income per 10,000 funds in the last seven natural days. Simply put, it is the average yield of seven-day income, which is recalculated every day. The annualized rate of return in the last seven days is the average of the seven-day income. Therefore, if the rate of return is the same in the last 7 days, it does not mean that the income per 10,000 shares is the same every day.
What investors really care about is the income per 10,000 fund shares, which reflects the real income that investors can get every day. The higher this index is, the higher the real income investors can get, and there is still a certain distance between the annualized rate of return in the last seven days and the real income of investors.
Two: Which is better, Bank of Beijing's weekly winning gold or seven-day gold panning? It is much better for Bank of Beijing to seek gold on the seventh day on the seventh day.
Three: Did anyone buy the Jinghua Vision of Bank of Beijing for 7 days to find gold? Is 4.2% annualized net worth risky? Any investment and financial management has certain risks. The risk of wealth management products is divided into five grades from low to high: R 1 (cautious type), R2 (robust type), R3 (balanced type), R4 (aggressive type) and R5 (aggressive type):
1, R 1 (Cautious) Financial products of this level are generally guaranteed by banks to repay the principal in full, and the product income changes with the investment performance, which is less affected by risk factors such as market fluctuations and changes in policies and regulations. Products mainly invest in low-risk financial products such as high credit rating and money market.
2.R2-level (robust) wealth management products at this level do not guarantee the repayment of the principal, but the principal risk is relatively small and the income fluctuation is relatively controllable. In the dimension of credit risk, products mainly bear the risks of credit subjects with high credit rating, such as AAA and above; In the dimension of market risk, products mainly invest in low-volatility financial products such as interbank deposits, and strictly control the investment ratio of stocks, commodities and high-volatility financial products.
3.R3 (balanced) wealth management products of this level do not guarantee the repayment of the principal, which has certain principal risk and fluctuating income. In the dimension of credit risk, it mainly bears the risks of credit subjects above the medium level, such as the risks rated above Grade A (inclusive); In the dimension of market risk, the proportion of products invested in high-volatility financial products such as stocks and commodities should not exceed 30% in principle, and the proportion of capital preservation of structured products should be above 90%.
4. The wealth management products with 4.R4 level (aggressive) do not guarantee the repayment of the principal, and the principal risk is high, and the income fluctuates greatly, so the investment is easily affected by market fluctuations, changes in policies and regulations and other risk factors. In the dimension of credit risk, products can bear the risks of lower-level credit subjects, including BBB and below; In the dimension of market risk, the proportion of investing in highly volatile financial products such as stocks and commodities can exceed 30%.
5.R5 (radical) wealth management products of this level do not guarantee the repayment of the principal, and the principal risk is extremely high. At the same time, the income fluctuates greatly, and the investment is vulnerable to market fluctuations, changes in policies and regulations and other risk factors. In the dimension of credit risk, products can bear the risks of credit subjects at all levels. In the dimension of market risk, products can be fully invested in various highly volatile financial products such as stocks and commodities, and can be invested and operated through derivative transactions and stratification.