net worth wealth management products are open, non-guaranteed floating income wealth management products, with no expected income and no investment term. Products are open weekly or monthly, and users can purchase and redeem during the opening period. Net worth wealth management products are also risky. However, its risk is low, unlike net worth wealth management products, which usually belong to high-risk and high-yield wealth management types.
as long as it is financial management, there will be certain risks, even the net-worth financial management of banks is no exception. from the investment direction, the risk of net-worth financial products investing in bank deposits, bonds, etc. is relatively small, and the risk is much smaller than that of mixed funds, bond funds, index funds and stock funds.
: From the platform point of view, the issuers are banks or wealth management products sold by banks, all of which have been audited by banks, so the degree of security is still quite high. If a hacker breaks through the banking system to steal money, I believe the bank will also compensate. From the product itself: although it belongs to net wealth management, its risk is very small, but any wealth management product is not guaranteed to be guaranteed, that is to say, if there are risks or losses, it will be borne by itself, and the bank will not compensate, so from the product itself, it is not guaranteed to be 1% safe.
net worth wealth management products are the need of banking business transformation. Bank financial management rules have been put into practice today (July 2th); Although the implementation of the new regulations on asset management is not so fast, it is not slow. After all, it is "coming soon". This means that bank wealth management products will no longer be guaranteed, and bank wealth management products will only be available as net worth products. Of course, there are still bank deposits, large insurance policies and structured deposits.
a net worth wealth management product is a wealth management product issued by a bank, which is similar to a fund and has no investment term and expected income. Net-worth wealth management products are highly mobile, and users can make net-worth inquiries, purchase and redemption during the opening period, and the bank will open them on a fixed date according to the agreement. Assuming that the net product value is 1 at the time of purchase, if the net product value becomes 1.1 on the next open day, then the income is 1.1-1 = .1; If the net value becomes .9, the gain is .9-1=-.1, which means the loss is .1. Net worth wealth management products have no expected income, and the income obtained by users is related to the change of net worth of products.