Many bank wealth management products are not very long, more than 30 days, more than 60 days, which is very convenient for many investors and can obtain expected returns in a short time. But don't be too surprised if you browse wealth management products in official website and see that the period of wealth management is tens of thousands of days. In fact, this is a bank's net worth wealth management product. Although it seems that the investment period of bank net worth wealth management products is very long, which takes decades, in the actual redemption process, it is not necessary to wait until it expires. I have compiled some information about bank net worth wealth management products for your reference.

First, the investment time of bank net worth wealth management products

The financial management period of bank net worth wealth management products is relatively long, from five or six years to ten years or even longer. But in fact, the bank's net worth wealth management products are somewhat similar to open-end funds such as Yu 'ebao. Although the investment period is longer, redemption is more flexible. You can withdraw money in advance at any time during the financial period of the bank's net worth wealth management products, and you don't have to wait until it expires.

However, if the holding time is short, the bank will charge a certain handling fee, and the redemption fee can be exempted if the holding time reaches a certain period (such as more than one year).

Two. Expected income of bank net worth wealth management products

The expected income of bank net worth wealth management products fluctuates. Banks should regularly publish the net value of products, and at the same time, banks should always respond to the redemption behavior of investors, so the cost of managing such products is relatively high. This is also one of the reasons why the expected income of bank net worth wealth management products is lower than that of closed expected income wealth management.

Three. Example of bank net worth wealth management products

I chose a bank net worth wealth management product as an example to tell you the general situation of bank net worth wealth management products.

Name: Gan Yuan-Zhouzhouli Open Capital Protection Financial Product

Product code: zhqybb20160600001

The initial purchase amount of the bank's net worth wealth management products is 50,000 yuan, the issue date is 2065438+June 24, 2006, and the wealth management period is 30,500 days. Official website of China Construction Bank shows capital preservation, the investment currency is RMB, and the product type is capital preservation floating expected income type. The expected expected rate of return is as follows:

From the information of this bank net worth wealth management product given by China Construction Bank, we can know that the expected rate of return of the bank net worth wealth management product is related to the investment period. Generally speaking, the longer the investment period, the higher the expected rate of return.