The "fixed income+fund" product is difficult to get more income in a short time when investing, and it needs users to hold it for a long time, and then the fluctuation is smaller, which can bring investors a better investment experience. This combination makes up for the shortcomings of equity funds and pure debt funds.
Users must have relevant knowledge in investment and financial management. When purchasing wealth management products, you must read the agreement carefully, know which assets the funds raised by wealth management products are invested in, and know when to buy or redeem them. Finally, they should use their spare money to invest.
With personal spare money, you can choose different products, and different products get different benefits. Common wealth management products include funds, stocks, bank deposits, silver, futures, gold and so on. It is best to have relevant knowledge about investment and wealth management products, and don't set foot in unfamiliar areas.
1. What is a fixed-income wealth management product?
Fixed income wealth management products simply refer to wealth management products with fixed income. The expected income of general fixed-income wealth management products is fixed, but the risks of the products still exist. Within the scope of risk control, pay according to the agreed income. If there are uncontrollable risks, the principal and income may still face losses.
There are many types of fixed-income wealth management products, including bank deposits, certificates of deposit, national debt, local debt and central bank bills. Many products are not very risky and have good yields.
Treasury bonds are generally called "risk-free rate of return", and the current yield of three-year treasury bonds is about 2.8%;
Time deposit: deposits enjoy the deposit insurance system, that is, within 500,000 yuan 100% payment. At present, the interest rate of three-year fixed deposits in banks is around 3.5% (small and medium-sized banks can be around 3.5% after the interest rate rises, and large banks generally implement the benchmark interest rate of 2.75%);
Bank wealth management: According to the requirements of the new asset management regulations, wealth management products, including bank wealth management products, cannot promise to protect capital and interest. Of course, not promising to protect capital and interest does not mean that wealth management products have great "risks", mainly depending on the risk level of the products. Under normal circumstances, it cannot be redeemed in advance, and the current yield is around 3.5%-4%.