The yield of investment and wealth management products is directly proportional to the risk. The higher the rate of return, the higher the risk that investors must bear. Although the security risks of low-risk wealth management products in some city commercial banks are not high and PR2 security risks are common, it does not mean that the product risks are not high. One point of income matches one point of risk, and investment and financial management are not savings. It is best for investors not to invest all their assets in a financial institution or even an investment and wealth management product.
An investment and wealth management product named "You E Win" suddenly appeared on Alipay wallet, and its one-year fixed interest rate reached 5.2%, far exceeding the industry average.
According to statistics, "You E Win" is a structured wealth management product issued by Langfang Bank. Like deposits, investors' capital is protected by the Deposit Insurance Ordinance. In addition, the profit of this commodity is at least the lowest, of which the lowest profit is 2. 17%, and the fluctuating profit is between 0% and 3.03%. There is no transaction cost for investors to save it and cash it at maturity.
In addition to the 365-day term, Langfang Bank also offered a term of 18 1 Tianyu 9 1 day for everyone to choose from, with matching annual interest rates of 5.00% and 4.70% respectively, and sold out in a limited time. According to the materials, Langfang Bank, founded in 2000, is a regional metropolis banking industry that provides customers with one-stop financial information services, and is also one of the legal financial enterprises in China.
With the rapid development of Beijing-Tianjin-Hebei integration area, the development potential of Langfang Bank is also very rapid. So far, its total assets have exceeded 200 billion yuan, ranking among the top 40 city commercial banks in China.
Most importantly, Langfang Bank's risk control capability once ranked in the top three in all parts of the country. It is not difficult to understand why Alipay wallet, which is famous for its risk control, will be introduced into Langfang Bank's investment and wealth management products. It must be established that all investment and wealth management products are risky, but the risks are different. Even if you invest in Alipay wallet, investors should carefully manage decision-making and objective project investment.
As a third-party platform, Alipay Wallet itself does not provide investment and wealth management products. For example, the well-known "Alipay Yu 'ebao" was actually issued by Alipay Wallet to help Tian Hong Fund Management Consulting Company. At this stage, money funds and regular financial management are more reliable. For high-risk non-guaranteed wealth management such as gold and individual stocks, investors must operate independently.
Therefore, all investment and financial management are risky. Investors should not feel at ease just because they see financial institutions selling investment and wealth management products, and ignore the qualification certificate of investment and wealth management products. In the final analysis, it is "buyer pride". Just remember the phrase "at your own risk". If you want to be 100% safe, deposit is naturally the only choice.