In the investment mode of wealth management products, banks only accept funds entrusted by customers, and the investment income and risks are borne by customers or customers and banks in an agreed way. Generally speaking, according to the types of expected income, we divide bank wealth management products into fixed income products and floating income products. In addition, according to the different investment methods and directions, there are new share subscription products, bank credit cooperative works, QDII products, structured products and so on.
Extended data:
Matters needing attention in product selection
Look at the expected return and risk status of the product.
The expected rate of return of bank wealth management products is only an estimate, not the final rate of return. Moreover, the bank's oral publicity does not represent the content of the contract, which is the most standardized agreement of wealth management products. Financial experts said that in the current weak market environment, investors need to read the product manual carefully when buying bank wealth management products, and don't expect too much from the income of wealth management products.
Second, look at the product structure and redemption conditions.
"For bank wealth management products, investors need to understand the target of the product; Investors need to be cautious about those unfamiliar and uncertain wealth management products. " Financial experts said that some wealth management products are not allowed to be redeemed in advance. Although some wealth management products can be redeemed in advance, they can only be redeemed at a specific time and need to pay redemption fees; Some wealth management products have a capital preservation clause, but the premise is that the products must expire, and investors may lose their principal if they redeem them in advance.
Third, look at product terminology.
Some financial experts believe that the term of bank wealth management products is long or short, and some half-year or one-year wealth management products may be issued at a high level in the stock market. Now the stock index has been "halved" If such wealth management products lose money, it is difficult to achieve "turning losses into profits" in the short term. Some wealth management products have a long term and a good design structure. Even if they lose money now, if the market improves in the next two or three years, it is entirely possible for such wealth management products to turn losses into profits.
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