At present, the annualized rate of return of current wealth management of rural commercial banks is less than .5%, and the annualized rate of return of regular wealth management is around 4%. There are also other wealth management products, such as the annualized rate of return of trust is around 8%, and the interest calculation formula is principal × interest rate = interest. For example, a deposit of 1, yuan, current interest of 1, yuan ×.5%=5 yuan, regular interest of 1, yuan ×4%=4 yuan, and interest of trust wealth management products of 1, yuan ×8% = 8 yuan. Due to the different wealth management products and annualized rate of return launched by banks, the amount of interest on bank wealth management should be based on the annualized rate of return of wealth management products actually purchased by investors. It is worth noting that wealth management products with high bank yield cannot guarantee income, so wealth management needs to be considered clearly before buying, because risks and benefits coexist.

1. The main trend of bank wealth management products: First, the gradual expansion of interbank financial products maps the original "bank" cooperation model between foreign-funded institutions and Chinese commercial banks to the interbank financial model between large domestic banks and small and medium-sized banks. The second is the gradual attempt of portfolio insurance strategy. The quality of products lies not in whether they participate in the investment of high-risk assets, but in the rational allocation of investment portfolios. Third, dynamic management products are gradually increasing. The main advantages of such products are flexible investment direction and portfolio, and high liquidity. However, the information transparency of such products deserves attention. Fourth, gradually prosper, through the construction of investment portfolio between different types of bank financial products, meet the investment needs of investors with different risk tolerance.

2. Rural commercial banks have developed rapidly in recent years, and their business scale has exceeded 7 billion yuan. Only from this business figure, the strength of rural commercial banks has been improved and stepped onto a new step. Rural commercial banks have also launched many series of wealth management products, and many investors may not be particularly familiar with these wealth management products. Let's take a look at the personal financial products of rural commercial banks. The personal financial products of rural commercial banks are divided into three categories: stable, win-win and rich. This kind of financial products belongs to non-breakeven floating income type, and its highest expected annualized rate of return is 5.1%. This kind of financial products will use entrusted management to invest all the raised funds in money market instruments, but it does not include bank cash deposits, negotiable certificates of deposit, short-term bond repurchase, etc.

3. This is a break-even floating income financial product with the highest expected annualized rate of return of 4.1%. Such financial products put all the raised funds into the inter-bank bond market, including tradable national debt, financial debt, central bank bills and some high-rated credit bonds. This is a break-even floating income financial product with an expected annual yield of 3.4%. The funds of such financial products are mainly invested in money market instruments through entrusted management, but do not include bank cash deposits, negotiable certificates of deposit, short-term bond repurchase, etc. Investment and financial management is the best way to make spare money alive. As long as you choose a financial product with relatively stable income and set a reasonable financial period, you can get good income from it.

4. The following factors can be considered when choosing bank wealth management products: Paying attention to the product characteristics suitable for their own needs, such as liquidity, profitability and safety, is the primary consideration and comparison for investors when choosing wealth management products. However, the characteristics of each product are not good or bad. It is important to see which features of the product can meet the needs of investors. Considering the specific environment when products are launched, although different financial products have their specific income laws, they will always be affected by the capital market environment. Not every product can achieve excellent performance from beginning to end. In particular, the net value of fund products that are greatly influenced by the securities market changes.