Similar to open-end funds, net-worth wealth management products are open-end and non-guaranteed floating income wealth management products.

Different from traditional financial products with guaranteed capital and interest, it has neither expected income nor investment term. Products are open weekly or monthly, and users can buy and redeem them during the opening period.

Two. Net income from financial management

Net worth wealth management products need to publish the current net worth of the products on a regular basis. We can calculate its annualized rate of return according to the published current net value, and then we can calculate the income of the product. Specifically, it can be calculated according to the following three release situations:

If a net-worth wealth management product runs for 269 days and its current net value is 1.04 13 189, then its annualized rate of return is:

If the value date of a net-worth wealth management product is 2065438+May 1 and the time to disclose the current net value is 2065438+June 27th, 2008 (that is, the product has been running for 58 days), then its annualized rate of return is:

The greater the net growth value per unit time of net-worth wealth management products, the greater the benefits brought by the products.

Extended data

The types of financial management are as follows:

1. Bond type

Investing in the money market, the investment products are generally central bank bills and short-term corporate financing bills. Since individuals cannot directly invest in central bank bills and short-term corporate financing bills, such RMB wealth management products actually provide customers with opportunities to share the investment income in the money market.

2. Trust type

Invest in trust products guaranteed or repurchased by commercial banks or other financial institutions with high credit rating, and also invest in beneficial trust products of excellent credit assets of commercial banks.

3. Hook type

The final yield of products is linked to the performance of relevant markets or products, such as exchange rate, interest rate, international gold price, international crude oil price, Dow Jones index, Hong Kong stocks, etc.

4.QDII type

Entrust the RMB funds in hand to qualified commercial banks, and the commercial banks will convert the RMB funds into US dollars, directly invest overseas, and after the maturity, convert the US dollar income and principal into RMB for distribution to customers.

5. Electronic spotlight

New investment and wealth management products.

6. Investment channels can be purchased through commercial banks or non-bank financial institutions.

Baidu encyclopedia-financial products

Baidu encyclopedia-financial management

References:

China Taizhou Network-How to choose the bank's net worth wealth management products?

References:

How to calculate the annualized rate of return of net worth wealth management products?