Wealth management products generally refer to asset management products. Financial institutions usually play the role of asset managers and do not take risks, that is, investors and financial institutions are entrusted and entrusted, not creditor-debtor relationships.
The essence of certificates of deposit is deposits, that is, the risk is very small, but the starting point is a little higher, about 300 thousand, and each bank will be different. Its income rises by about 40% on the basis of the benchmark interest rate. In contrast, time deposits generally rise by about 30%. As can be seen from this definition, the income of certificates of deposit has not increased much, and the overall income is around 4%, which is actually similar to the general financial management of banks.
Funds mainly invest in the stock market, and of course they also invest in bonds. Ordinary people usually buy stocks. Since they invest in stocks, it means its volatility, which means that you may make a lot of money, or you may lose money, that is, you will be trapped. If sold, there will be actual losses. Of course, if you catch up with the bull market, your fund income will also make you smile.
From investment and financial management needs to Golden Axe, Golden Axe is committed to providing customers with one-stop family financial analysis, investment strategies and cross-cycle, all-category and diversified fund allocation schemes from the perspective of family goals and planning. Services cover convenient product search, fund redemption, net worth inquiry, wealth bookkeeping, configuration planning, investment consulting, etc. On the mobile side, PC side and WeChat side, it will eventually help families realize the preservation, appreciation and inheritance of wealth.
Up to now, the number of middle-class and high-net-worth registered users on Golden Axe Platform has exceeded 800,000, and the cumulative allocation of funds such as Public Offering of Fund, Sunshine Private Equity and Private Equity has exceeded 35 billion. More than 654.38 million families have obtained professional, independent, real-time and efficient one-stop asset allocation advice and fund trading services.