First, how to choose a good financial product
1. Select the bank's wealth management products.
The bank's wealth management products, although the interest is not high, have the best security.
2. Choose the wealth management products of large companies.
For example, the wealth management products of Internet giants such as Baidu, Ali and Tencent are generally safe.
3. Don't invest all your money in a wealth management product, rationally allocate wealth management products and reduce risks.
Don't just look at how high the income is, but also carefully check the terms of purchase, whether it is safe, whether it is guaranteed and so on.
5. Check the wealth management product companies regularly to see if there are any major problems, so as to quit in time.
6. Actively look for new wealth management products. Generally, in order to attract customers' investment, new wealth management products will give attractive interest.
At present, bank wealth management products are often divided into guaranteed income and non-guaranteed income, as well as fixed income and floating income. Generally speaking, it is suggested that customers who purchase bank wealth management products for the first time should first consider guaranteed income products or fixed income products. Investors must clearly calculate the date before investing, so as to avoid the actual income being less than the expected income. Attention should also be paid to the calculation of income. Financial statements generally only refer to the expected rate of return or the highest expected rate of return, not the actual rate of return. In addition, most of the financial product manuals provide annualized rate of return, rather than the expected rate of return within the investment period. Therefore, investors can choose the investment market they know better and judge its reliability by analyzing the expected rate of return of related wealth management products.
Generally speaking, the stability of bank wealth management products is high, but the income will not be too high. If you want to improve your income, you can choose an online loan platform like Huifubao for financial management, and the interest rate is generally above 12%.
Second, the purchase of wealth management products is insufficient.
When purchasing a wealth management product, if you are prompted that the remaining quantity of the product is insufficient or the pre-inspection query fails, it means that the product has no purchasable quota. I suggest you click on the product name to check the opening hours in the product overview, and try to operate continuously during the opening hours (if a customer cancels the order, you can still buy the cancelled amount), or choose other products on sale in our bank.