Learning financial management knowledge has become a compulsory course for each of us. It is a necessary preparation for us to analyze the expected income, risk and liquidity of various wealth management products. Different types of financial products have different performances in these aspects. So what does the net value of wealth management products mean? Which is better, net worth wealth management products or ordinary ones? With regard to this knowledge, we have prepared relevant contents for your reference.

1. What does the net worth wealth management product mean?

Net worth wealth management products are also net worth wealth management products. Simply speaking, net worth wealth management products mean that the expected income is not fixed. When wealth management products are issued, it is not clear what the expected income is. The expected return is floating, which may lead to excess return, decrease of expected return or even loss.

Net worth is the price, that is, the price of the product. The price of net worth wealth management products is not fixed and constantly changing, and the expected income we can get is the price difference brought by price changes.

Compared with fixed-income wealth management products, net-worth wealth management products are more complete and timely in information disclosure, and product prices are generally updated in real time. Fixed-income wealth management products have clear expected income, that is, they know the expected income before buying, while net-worth wealth management products don't know the expected income before buying. One is known and the other is unknown.

Most of the net-worth wealth management products are open-ended and can be purchased or redeemed at any time, or have a fixed opening date. A few net-worth wealth management products are closed-ended, such as closed-end funds. Most fixed-income wealth management products have a fixed term, such as time deposits, certificates of deposit, government bonds and so on.

2. Which is better, net worth wealth management products or ordinary ones?

Which is better, net worth wealth management products or ordinary ones? It needs to be determined according to the investor's own investment needs. Different people have different investment needs or basic conditions, so the choice of wealth management products is different.

The main difference between net-worth wealth management products and non-net-worth wealth management products is that in terms of risk, the risk of net-worth wealth management products is generally higher than that of non-net-worth wealth management products, and the net-worth wealth management products are basically not guaranteed, and the expected income is not fixed. The risk of non-net-worth products is relatively small, some of them are guaranteed, and the expected income is relatively fixed.