The difference between net-worth wealth management products and non-net-worth wealth management products is still relatively large. On the one hand, the liquidity of funds is different, and the liquidity of net worth wealth management products is increased on a closed basis. There are open days every week and month, and the purchase and redemption are relatively flexible; Non-net-worth wealth management has an investment period, and it is impossible to apply for redemption before the product expires. On the other hand, net-worth financial management is a kind of interest that does not break the capital, and there is the possibility of loss; Non-net-worth financial management is based on a fixed expected rate of return, which is returned at maturity with interest.
To sum up, net-worth wealth management products and non-net-worth wealth management products have their own advantages. On the one hand, the liquidity of net wealth management funds is good, but investors need to sacrifice some security; Non-net-worth financial management can protect capital and interest, but the liquidity of funds is not good, so it can not be cashed when funds are urgently needed. Net worth wealth management products are non-guaranteed floating expected income wealth management products, and there is no expected income, and banks do not promise fixed expected income. The change of product net value determines the expected income or loss of investors. Non-net-worth wealth management products are the opposite of net worth, that is, fixed expected returns obtained according to market conditions.
The difference between net worth wealth management products and non-net worth wealth management products;
1, with different liquidity, non-net-worth wealth management products will have an investment period, and the funds cannot be redeemed before the product expires; Net-worth wealth management products increase liquidity on the basis of closed-end wealth management, and there are open days every week or month, so the purchase and redemption are relatively more flexible.
2. The transparency of information disclosure is different. Like open-end funds, net-worth products regularly disclose expected returns, which is more transparent than non-financial products.
3. Net worth wealth management products are linked to different markets, especially high-risk markets. When the market rises, the expected income will be higher than that of non-net-worth wealth management products, but when the market is not good, it may lose money. 4. Because net worth wealth management products are mainly used for high-risk investments, the income will be higher; Non-net-worth wealth management products mainly make some steady investments, and the income is lower than the former.