When we choose financial products, the return and risk of investment are often proportional. Speaking of the wealth management products in Yu 'ebao-Alipay's stable wealth management area, there are mainly five types of products: bank deposits, structured deposits, pure debt bonds, money funds and endowment insurance. The income of these financial management seems to be higher than Yu' ebao! So, are these products safe? What's the difference between Yu 'ebao and Yu 'ebao? How can we prevent lightning strikes by choosing this financial management method? Let me analyze it for you.
1. The bank deposits in Yu 'ebao Finance are directly marked with guaranteed capital and interest. These products are very safe and have a fixed annual interest rate, so you can invest with confidence. Because the initial deposit amount and product term are different, the annualized income of fixed-income wealth management is also different, so you can choose the right product according to your own needs. For example, a deposit product with a fixed term of 5 years has an annual interest rate as high as. If the withdrawal is made in advance, the interest will be calculated according to the current demand, and the interest will be damaged. Another kind of deposit financing, the annual interest payment cycle is 7 days, and the interest is settled at the annualized interest rate every seven days. For financial management, the longer the product term, the higher the income, but the products with short term are more flexible. Considering the risk of early withdrawal, when choosing this kind of deposit, we should consider both the deposit interest rate and the product term.
2. Structured deposits promise to protect the principal, and there is no fixed annual interest rate, but there is a minimum guaranteed rate of return. The deposit term is fixed, and it cannot be withdrawn in advance before the maturity. Time limit can be selected from 180 days and 360 days.
3. Bond and money fund financing is not clearly defined as capital preservation financing, but generally redemption is flexible, low risk and relatively safe. The risk of bond funds is higher than that of money funds. Taking Baoying Antai short-term debt C as an example, the annual interest rate is estimated to be fluctuating and low-risk, but there is no redemption fee for holding it for more than 30 days, and different redemption rates will be generated due to different redemption times for less than 30 days. Insurance financing only refers to the historical payment of 65,438+000% of the principal, and the product itself does not promise to protect the principal. Historical performance does not represent possible future benefits. This kind of product has little risk, but the floating income has a fixed term and cannot be paid in advance before it expires. Therefore, there is a risk of early redemption, and it is necessary to be cautious in choosing such products.
Finally, I would like to remind you that when choosing financial management, you should read the specific instructions of the products and see whether the principal and interest are guaranteed. Can I leave early? How to calculate interest for early withdrawal? Although Yu 'ebao's fund bonds and insurance wealth management have low risks, low risks do not mean that there is no risk, and non-guaranteed floating income wealth management has no bottom. Have a psychological expectation and choose the financial products that best meet your actual needs.