Buying wealth management products, first of all, is the bank, because it feels the most reliable and safest, and there is nothing wrong with it, but don't ignore that the bank's wealth management products are not deposits, but also risks, so are these wealth management products guaranteed?

Are bank wealth management products guaranteed?

Bank wealth management products are not guaranteed, and guaranteed wealth management products have gradually withdrawn from the market. At present, only bank deposits are guaranteed, and money funds are guaranteed, but there are also risks, such as bank failures, and depositors may not get all their deposits.

In order to attract customers, banks use amortized cost method to evaluate wealth management products, that is, the overall expected income of wealth management products is spread evenly to every day within the time limit, so that even if the wealth management products lose money on some days, it will not be reflected in the books, but after everyone buys them, there is a risk of loss.

At present, all financial products on the market are risky, unless the contract text agreement indicates that they are capital-guaranteed products, and those not indicated have the risk of principal loss. The specific degree of risk depends on the scope of the product investment target, and the investment needs to be cautious.

After reading the above introduction, I believe everyone has a clearer understanding of whether bank wealth management products are guaranteed. Although bank wealth management products are not guaranteed, the security of the platform is higher than that of wealth management products sold by third-party platforms.