Is the bank consignment fund worth buying?
There is no absolute answer to whether the bank consignment fund is worth buying, which depends on investors' own investment objectives, risk preference, capital demand and other factors. Bank consignment funds have a wide range of choices, which can cover most high-quality fund products on the market. Investors can buy through offline outlets of banks, mobile banking and other channels, and the operation is relatively simple. However, the bank consignment fund is not guaranteed, and its income is related to the market conditions, so there is the possibility of principal loss. In addition, bank consignment funds are not operated by banks, but managed by third-party fund companies.
Generally speaking, if investors have a certain understanding of the market, can bear certain risks, and want to get higher returns, then the bank consignment fund is a good choice. If investors are unfamiliar with the market or sensitive to risks, then the bank consignment fund may not be suitable for investors.
What's the difference with bank financing?
1, with different issuers. Bank wealth management products are issued and managed by banks themselves, bank consignment funds are issued and managed by third-party fund companies, and banks only sell them as agents.
2. Different liquidity. Bank wealth management products usually have a fixed term and cannot be withdrawn in advance during the closed period. Some of the fund products are open-end funds, and investors can purchase and redeem them more freely.
3. Investors have different choices. Generally speaking, the types of bank consignment funds are more abundant, and investors can choose a wider range, while the types of bank wealth management products are relatively few.