Net value type: maturity income = redemption date net value * redemption share *( 1- redemption fee).
Please refer to each product manual for specific income calculation.
1. Is fixed income financing risky?
Financial management is risky, and fixed income financial management is also risky. There are many kinds of fixed-income wealth management products, such as bank deposits, national debt, local debt, central bank bills and so on. These financial management risks are small and the rate of return is relatively small, which is more suitable for conservative investors.
However, it is worth noting that fixed-income financial management is not equal to bank time deposits. If there is a major economic crisis or uncontrollable risks, it is possible to lose the principal. Therefore, investors should carefully consider their own risk tolerance when buying.
Second, what are the risks of collective financial management?
1, policy risk. For example, changes in national macroeconomic policies lead to fluctuations in market prices and changes in economic operation caused by changes, and the income level of the market will also change accordingly. These changes directly affect the income of wealth management products.
2. Credit risk. For example, unsecured corporate bonds will cause losses because of the issuer's default.
3. In most cases, the income of fixed-income wealth management will be higher than the bank's time deposit interest rate, but if things go up, it may lead to raising interest rates to solve the problem of interest rate inversion, and then there will be losses.
3. What kind of wealth management products are safer to buy? What is the most suitable financial management for ordinary people?
When buying wealth management, most people like to pursue high returns, which sounds attractive. High-yield financial management means that they may make more money. If the wealth management market is good, but there are risks in wealth management, high-yield wealth management products are often more risky, so when pursuing income, we cannot ignore their risks. So what kind of wealth management products are safer to buy? What is the most suitable financial management for ordinary people? Xi Cai Jun has prepared relevant contents for your reference.
1, Alipay lazy wealth management
Alipay's lazy financial management is to click on Alipay's lazy financial management page. There are three pages in total, which are: introduction to financial management, steady choice, and the annualized income is expected to be around 4%, so as to strive for good income. It is estimated that the annualized income will be around 5%, with little wind and little waves, and the income is rising. It is estimated that the annualized income is about 6%.
These are all low-risk financial management, and the risk is not high. Investors can click on the details of one of the pages, and they will switch directly to the bond fund page, where they can check their past earnings. In fact, to put it simply, these three pages are different bond funds. Investors can look at past earnings and choose one they like.
2. Yu 'ebao
Ordinary people can also choose to put their money in Yu 'ebao. Yu' ebao is essentially a money fund, but unlike the money fund, Yu' ebao can be taken out at any time, supporting two hours of quick arrival. Other money funds generally receive T+ 1, which can be directly consumed and is very convenient.