Are bond-type wealth management products safe?
It is relatively safe, but it also has risks, but the risk is low, because the investment target of such wealth management products is relatively safe. Bond wealth management products also belong to wealth management products, and all wealth management products on the market are not guaranteed.
Bond wealth management products are a kind of bank wealth management products, which mainly invest in RMB wealth management products of low-risk financial assets such as government bonds, policy financial bonds, central bank bills, short-term corporate financing bills, medium-term bills, interbank deposits and other financial instruments allowed to be traded by regulatory agencies.
At present, the wealth management products sold by major banks are all non-guaranteed net worth wealth management products, and the principal and income are not guaranteed, so investors may suffer losses due to market changes. It is recommended to choose products suitable for my risk tolerance.
What is the interest rate of bond-type wealth management products?
About 3%, the risk and income of wealth management products are often in direct proportion, and the risk of bond wealth management products is low, so the yield is not high, generally within 3%, which is similar to the interest rate of bank three-year time deposits.
The yield of wealth management products in the market is uncertain, with 3.5% for bank wealth management, 2.3% for three-year treasury bonds and 3.5% for insurance.
The low risk of bond-type wealth management products is mainly due to the low risk of investment objects and bond funds, but even low-risk wealth management products are not guaranteed, which is the new regulation of wealth management industry.