Unstructured financial management generally corresponds to basic financial assets, and the risks and expected returns are relatively low and relatively stable. Structured wealth management products are products with fixed expected returns such as deposits and zero coupon bond, combined with financial derivatives such as options, futures and forwards, with high expected returns and relatively high risks. What is the difference between unstructured financial management and structured financial management products?

The difference between unstructured financial management and structured financial management products

1, the difference of expected income structure

The biggest difference between structured wealth management products and unstructured wealth management products lies in their expected income structure. Structured wealth management products are usually classified according to different ways for customers to obtain principal and expected income, which are generally divided into three types: guaranteed fixed expected income type, guaranteed floating expected income type and non-guaranteed floating expected income type. The risk and expected return of unstructured financial management are low.

2. Differences in risk levels

Structured wealth management products are usually classified according to the different risk tolerance of customers. Generally, the security of capital preservation is higher and the security of non-capital preservation is lower. Unstructured financial management has high security.

3. Differences in investment direction

The investment direction and investment target are different, such as international investment products, such as gold, oil, agricultural products and related stocks, and the investment type of the fund belongs to structured wealth management products; General marketers will make special explanations, and others are unstructured wealth management products.