The bank's wealth management products include spontaneous and consignment. Common bank wealth management products are all issued by banks themselves, which belong to a portfolio and contain multiple investment varieties. The products sold by banks include funds, trusts and insurance. Many people often buy wealth management and insurance, because banks also sell insurance companies' products, so it is very important to see the types of products when buying wealth management. The following are some characteristics of bank wealth management products.
First, bank financing.
Bank wealth management products can be divided into bond type, trust type, linked type and QDII type according to product categories. According to the degree of risk, bank financing is divided into five grades: R 1 to R5. Among them, R 1~R2' s bank financing risk is low, but the expected return is relatively low.
Two. fund
Banks also sell funds of many fund companies on a commission basis and often cooperate with fund companies. For example, banks are money funds, as well as bond funds, equity funds and hybrid funds. Buying a fund in a bank is a traditional way to buy a fund, but there is generally no discount on the cost of buying a fund in a bank, unlike the third-party fund platform, which is often discounted.
Third, insurance financing.
Insurance wealth management products are also frequent customers in bank consignment products. In many news reports, "buying deposits and insurance" mostly refers to buying insurance wealth management products. This kind of wealth management product is equivalent to an insurance. Generally, the lock-up period of funds is relatively long, and a certain refund premium is required for early withdrawal.
Fourth, national debt.
Treasury bonds are wealth management products issued by the state and are generally sold by banks.
Verb (short for verb) golden
Banks also provide gold wealth management products, especially paper gold. Paper gold has no investment threshold and is easy to buy and sell, but the selling price of gold in the bank is always higher than the buying price, and the difference is equivalent to earning the handling fee of investors, which is the transaction cost of paper gold.
Summary: There are two kinds of wealth management products that banks can buy: spontaneous and consignment, mainly including bank wealth management, funds, insurance wealth management, national debt, gold and so on. When investors buy wealth management in banks, it is best to know what kind of products they buy and what kind of financial institution the issuer is, so as to avoid trouble afterwards.