Floating income means that the income is not fixed, which is divided into guaranteed floating income and non-guaranteed floating income. The floating income of capital preservation is to ensure the safety of principal, but the income is not fixed and may not reach the expected rate of return. Wealth management products with this property are called "principal-guaranteed wealth management products", and the principal-guaranteed wealth management will have the promise of the bank in the agreement. No matter what happens, the bank will ensure that the customer can get back all the principal at maturity.

Compared with the guaranteed floating income, the non-guaranteed floating income does not guarantee the safety of the principal, and the income is not fixed, which may not reach the expected rate of return, resulting in the loss of the principal; At present, such wealth management products on the market basically include QDII, IPO and fund treasure.

Capital preservation income refers to ensuring the safety of principal and income, and harvesting principal and expected income at maturity. Capital-guaranteed products are relatively safe because they invest in the currency, bills and bond markets, but the income is relatively low; From the risk comparison of products, non-guaranteed wealth management products are much larger than guaranteed wealth management products, but the income of the former is also significantly higher than the latter.

Tips: The above information is for reference only.

Reply time: 202 1-08-06. Please refer to the latest business changes announced by Ping An Bank in official website.

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