Capital-guaranteed wealth management products, as the name implies, can ensure the principal security of wealth management funds with relatively low risk, and are suitable for prudent and conservative investors. Even in the most unfavorable market conditions, investors can recover the investment principal, although they can't get any investment income.
Extended data:
Bank wealth management products are capital investment and management plans developed, designed and sold by commercial banks for specific target customer groups on the basis of analysis and research on potential target customer groups. In the investment mode of wealth management products, banks only accept the funds entrusted by customers, and the investment income and risks are borne by customers or both customers and banks in an agreed way.
Guaranteed-income wealth management products refer to financial products in which commercial banks promise to pay fixed income to customers according to agreed conditions, and banks bear the investment risks arising therefrom, or banks promise to pay customers the minimum income according to agreed conditions and bear related risks, and other investment income is distributed by banks and customers according to the contract, so as to jointly bear related investment risks.
In every different wealth management product launched by the bank, the characteristics of its own products will be introduced. Most of the bank's wealth management products are guaranteed. Even for products such as new shares, although the principal has certain risks, according to the previous market performance, the probability of this situation is still low.
References:
Baidu Encyclopedia _ Banking Financial Products