At present, the income of wealth management products is generally not high, and the income of equity wealth management is mainly determined by the invested assets. Stock market changes have a greater impact on equity financing, and the risks and expected returns of equity financing are higher than those of fixed income financing.
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.
The China Banking Regulatory Commission issued the Interim Measures for the Management of the Sales of Wealth Management Products of Wealth Management Companies, which strengthened the management of the sales process of wealth management products, clarified a number of prohibited acts in the sales process of wealth management products, and effectively protected the legitimate rights and interests of investors. These Measures shall come into force on June 27th, 20021year.
Since 20 12, with the gradual implementation of a series of national financial policies, it has opened up a broader development space for the investment and wealth management market. Personal investment and financial management can be described as many hot spots, which can be summarized into nine aspects:
rescue
Saving or deposit is a popular investment behavior of ordinary families and the most commonly used investment method. Compared with other investment methods, savings has the characteristics of safety and reliability (protected by the Constitution), convenient procedures (savings outlets all over the country), flexible forms and inheritance. Savings is the business that banks mobilize and absorb residents' surplus monetary funds through credit.
After absorbing savings deposits, banks put money into the social production process in various ways to make profits. As a price for using savings funds, banks must pay interest to depositors. Therefore, for depositors, participating in savings not only supports national construction, but also increases or preserves the value of their own monetary funds, which has become a family investment behavior.
Gold speculation
Since Bank of China launched the "Huang Jinbao" business for individual investors in Shanghai, gold speculation has been a hot spot in the personal financial market, attracting investors' attention. Especially in the past two years, the international gold price has continued to rise. It can be predicted that with the gradual opening of the domestic gold investment field, the future gold demand growth potential is huge.
Especially after 2004, the pricing method of domestic gold jewelry will gradually change from the integration of price and fee to the separation of price and fee, and the 5% consumption tax on gold jewelry is expected to be abolished, which will greatly promote the increase of gold investment, and the gold speculation business will surely become a bright spot in the field of personal financial management and truly enter the golden age of investment and financial management.
fund
Since the successful issuance of the first batch of closed-end funds in 1997, the funds have been highly praised by domestic individual investors. By the end of 20 12, funds have obviously surpassed deposits and become the top priority in many aspects of investment and financial management.
According to relevant data, the net value of domestic funds has reached more than 200 billion yuan. According to the survey, in 20 13 years, many investors are still very optimistic about the advantages and characteristics of the fund, such as stable income and low risk, hoping to obtain ideal income through the investment of the fund.
Buying and selling securities and stocks
Some experts have analyzed that the future situation of capital supply and demand is relatively optimistic, which is undoubtedly a shot in the arm for the capital-driven China stock market. In addition, the CSRC has put forward stricter requirements for the performance calculation and financing amount of listed companies, and strengthened the supervision of the stock market, which will bring profit opportunities to investors. But in any case, the biggest feature of the stock market is uncertainty, opportunities and risks coexist. Therefore, investors should continue to be cautious and seize opportunities before investing.