after the new asset management regulations, the wealth management products industry has undergone earth-shaking changes. First, wealth management products are not guaranteed, which means that many wealth management products in the market do not meet the new regulations, so they can only withdraw from the market, and therefore many new wealth management products have appeared in the market.

what are the new wealth management products in p>223?

1 closed fixed-income wealth management products: the interest rate of wealth management products is fixed, and the income is given at the agreed interest rate at maturity. This is a closed-term wealth management product, but the income is divided into two parts, one is fixed income and the other is floating income.

2 amortized cost method products: refers to wealth management products that are valued by amortized cost method, and the coupon rate or agreed interest rate of assets is amortized to the remaining term. Under this valuation method, the yield of wealth management products is relatively stable, but only closed-end wealth management products can be valued by amortized cost method.

3 net worth wealth management products: wealth management products in which the expected rate of return is not clear when the product is issued, and the product income is displayed in the form of net worth, and there is no clear expected rate of return when the product is issued, and investors enjoy floating income according to the actual operation of the product.

4 Cash wealth management products: mainly invest in cash, short-term bank deposits, bond repurchase, interbank deposit certificates, central bank bills and other financial instruments, and the risks of such wealth management products are relatively low.

5 personal pension financing products: after opening a personal pension account, you can buy those personal pension financing products on the market, with relatively low risk, but without capital preservation.

6 partial debt hybrid fund: it is one of the hot fixed income+funds in recent years, with bonds as the bottom, and equity assets such as convertible bonds and stocks can increase the income upward.

New wealth management products include funds, stocks, bank wealth management, trust, portfolio of investment products, new customer wealth management launched by securities companies, etc. New wealth management products provide investors with more new ideas and choices for investment and wealth management, and different wealth management products have different risk coefficients.

investors with a slightly higher risk preference can invest in fixed income+products appropriately to gain higher returns through stock assets. Investors with low risk preference can consider investing in amortized cost financing products, while investors with extremely low risk preference and high liquidity preference can consider cash financing products.

New products are constantly introduced in the wealth management products market, mainly to meet the needs of the public. When buying wealth management products, people should not excessively pursue new wealth management products. After all, such wealth management products have no historical achievements and are not small in risk.