1. One is Benlifeng series products, with guaranteed capital and guaranteed income, and the income is paid according to the agreed due income;
2. The other kind of income is low-risk, which is generally 0.5- 1% higher than the annual income of Benlifeng, and the due income is generally several yuan higher than the agreed income, which can realize the guaranteed income.
3. There is also a relatively high-risk variety, which does not guarantee the principal and income.
Financial products are products designed and issued by commercial banks and formal financial institutions themselves. The raised funds are put into the relevant financial markets according to the product contracts, and the relevant financial products are purchased, and the investment income is distributed to investors according to the contract.
Output:
For example, whether the rate of return in advertising is annual rate of return or cumulative rate of return; Whether the product is subject to tax withholding, and whether the rate of return in the advertisement is pre-tax rate of return or actual rate of return.
Investment direction:
Which market will the funds raised by RMB wealth management products be put into, and the specific wealth management products to be invested, all of which determine the size of the products' own risks and whether the rate of return can be realized.
Liquidity:
Most products have low liquidity, so customers can't terminate the contract in advance. A few products can be terminated or pledged, but the handling fee or interest on pledged loans is higher.
Hook expectations:
If it is a linked product, we should analyze the performance of the linked market or product, and whether the linked direction and range meet the market expectations and whether it is possible to achieve it.
The expected rate of return of bank wealth management products is only an estimate, not the final rate of return. Moreover, the bank's oral publicity does not represent the content of the contract, which is the most standardized agreement of wealth management products. Financial experts said that in the current weak market environment, investors need to read the product manual carefully when buying bank wealth management products, and don't expect too much from the income of wealth management products.
Brief introduction of Agricultural Bank:
1. As one of the four major banks in China, ABC's wealth management products are also very popular. Agricultural Bank of China's wealth management products mainly include five series: Principal Mo Lifeng, Anxin Wealth Management, Anxin Express, Huilifeng and Overseas Treasure, which meet the needs of different types of investors.
2. As one of the four state-owned banks, the probability of bankruptcy of Agricultural Bank of China is almost zero, but its insurance products are not protected by the deposit insurance system. The income is not fixed and the principal is not absolutely safe. For such a long time, the investment value is extremely low.
3. Considering any wealth management product is nothing more than considering from three aspects; Security (risk), profitability and liquidity. Because we are facing the online wealth management products of state-owned banks, the information disclosed by official website is credible and the risk rating given is relatively referential. Then, for this wealth management product pioneered by ABC. We can see that it has a calculator of investment income, which I personally think is more humanized. You can intuitively see how much you put in and how much you get.
4. It can be seen from the investment scope of the product. Mainly fixed income products and some money market tools. Although it is officially "non-guaranteed income", from the perspective of the types of investment. The possibility of loss of principal is extremely small!
5. Financial management is not a deposit, products are risky, and investment must be cautious. The calculated income is not equal to the actual income, so the investment needs to be cautious.