1. What is regular financial management?
Regular financial management refers to financial products with a certain operating period, which can only be redeemed after the investment expires. Some products can be redeemed in advance, but a certain handling fee may be charged. The expected rate of return of regular wealth management products is generally higher than that of current wealth management products. In particular, the keynote of China's current monetary policy is "moderate neutrality". Under the influence of "tight liquidity", the expected yield of regular wealth management products showed a slow upward trend before July. However, with the recent release of water by the central bank, the yield has slowly declined. In short, the yield of regular wealth management products is closely related to the tightness of monetary policy.
2. What are the regular wealth management products?
According to the different "identities" of product issuers, regular wealth management products are generally divided into: bank wealth management, brokerage wealth management and fund wealth management. Regular wealth management products launched by banks, brokerages and fund companies generally include cash, bank deposits, certificates of deposit, bond repurchase, short-term financing bonds, national debt, central bank bills, financial bonds, medium-term notes, corporate bonds and other fixed-income financial instruments allowed by China Securities Regulatory Commission and China Banking and Insurance Regulatory Commission, China, with low-risk varieties as the main ones.
Regular wealth management products:
1, trust financing
The trust yield is generally around 7%- 12%, but the liquidity is poor. At present, trust companies have strict risk control measures. They will conduct due diligence on the project and ask the financier to provide mortgage guarantee. Even if the financier is finally unable to repay, the collateral it provides can partially or completely cover the financing amount and income. On the other hand, there is a hidden rule of "rigid redemption" in the trust industry, that is, even if all the previous risk control measures are ultimately insufficient to pay investors enough principal and interest, the trust company may voluntarily pay the difference in order to maintain its reputation and image. Because, although the contract also stated that it does not promise to protect the principal and the income, if it is really unable to pay, it will lose the trust of a large number of customers and be easily attacked by peers. Therefore, it is better to lose money than to ruin your reputation, so the safety of trust investment is still guaranteed.
2. Bank investment
The term of bank wealth management products is generally fixed, and the yield is generally higher than that of deposits and government bonds, but the liquidity is poor and must be held until maturity. In most cases, there is no need to worry about security, because there is bank credit in it. Bank financing is generally suitable for the investment period within one year. The starting amount is 50,000,654.38+10,000,300,000, which is relatively high. In addition to fixed-term and fixed-income wealth management products, there are many bank wealth management products with flexible term and floating yield. The specific safety and profitability depend on the investment direction, which can be analyzed through the product manual or with the help of the financial manager. Generally speaking, the financial management of state-owned banks and joint-stock banks will reach the expected rate of return in most cases.