Because customers are not allowed to redeem their wealth management funds in advance, customers cannot use the funds of wealth management products before their maturity, thus losing the opportunity to invest in other wealth management products or capital market products with higher returns.
"For bank wealth management products, investors need to understand the target of the product; Investors need to be cautious about those unfamiliar and uncertain wealth management products. " Financial experts said that some wealth management products are not allowed to be redeemed in advance. Although some wealth management products can be redeemed in advance, they can only be redeemed at a specific time and need to pay redemption fees; Some wealth management products have a capital preservation clause, but the premise is that the products must expire, and investors may lose their principal if they redeem them in advance.
Extended data:
Product risk level
1, a basically risk-free wealth management product
Bank deposits and national debt are guaranteed by bank credit and national credit, with the lowest risk level and low yield. Investors keep a certain proportion of bank deposits, the main purpose is to maintain moderate liquidity, meet daily needs, and wait for the opportunity to buy high-yield wealth management products.
2. Low risk financial products
Mainly various money market funds or debt-biased funds, these products are invested in the interbank lending market and bond market, which have the characteristics of low risk and low income. The professional and decentralized investment of fund companies further reduces their risks.
3. Medium risk wealth management products
Trust companies raise funds for investors and provide financial products with expert financial management and self-management, and investors bear their own risks. When investing in such products, investors should pay attention to analyzing the investment of raised funds, whether the repayment source is reliable, whether the guarantee measures are sufficient, and the trust company's own reputation.
4. High risk financial products
QD ⅱ and other wealth management products belong to this category. Due to the high-risk characteristics of the market itself, investors need to have professional theoretical knowledge, so as to have a deeper understanding of foreign exchange and foreign capital markets and choose financial products that suit them instead of regretting the losses.