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The estimated income of net worth products is reflected by performance comparison benchmark. The so-called performance comparison benchmark is that investors estimate the possible income according to the past performance of products or the historical performance of the same type of products. For example, if the performance benchmark (expected rate of return) of a product is 5%, then an investment of 65,438+10,000 yuan is expected to yield 5% *100000 = 5,000 yuan annually. However, it should be noted that the expected rate of return often has the nature of rigid redemption, that is to say, the actual income after the product expires will not be much different from 5%. The performance benchmark has only reference value, and it does not have the nature of rigid redemption at all, nor does it have any actual income commitment. In other words, the actual rate of return of products may be quite different from the performance comparison benchmark. This is related to the nature of net worth wealth management products. The actual income of net-worth products is calculated according to the net value of unit share, which can only be known on the day of product redemption. Performance benchmark and expected rate of return are both representative income estimates. When they are used as historical performance reference, they are very similar, and both of them can calculate a rough income estimate.
Financial products are products designed and issued by commercial banks and formal financial institutions themselves. The raised funds are put into the relevant financial markets according to the product contracts, and the relevant financial products are purchased, and the investment income is distributed to investors according to the contract. Net-worth wealth management products are wealth management products that are issued by shares and regularly or irregularly disclose the net value of unit shares. Suitable for people who have certain risk-taking ability and pursue higher returns. High transparency in operation: net-worth products regularly disclose product operation announcements, so that investors can accurately grasp the investment situation of net-worth products and the net value of products during the investment period, with high transparency in product operation; Truly reflect the market value of investment assets: net worth products have high liquidity and more transparent valuation. Under the valuation system of market value method, the net value of net worth products can directly reflect the market value of investment assets.