Rolling wealth management product is a kind of wealth management product that can be continuously invested and redeemed, also known as "current wealth management" or "continuous wealth management product". Different from traditional fixed-term wealth management products, rolling wealth management products have no clear term and expiration date, and investors can redeem or renew their investment at any time, and the funds will not be locked, which is very flexible. This product usually takes money funds, short-term wealth management products or bond funds as the main investment targets, with relatively low risk and relatively stable yield.
From the perspective of investors, rolling wealth management products have the following characteristics:
1. high flexibility: investors can redeem or renew their investment at any time according to their own needs, and there is no clear term and maturity limit for funds.
2. Low risk: Rolling wealth management products usually take money funds and bond funds as the main investment targets, with relatively low risk and relatively stable yield.
3. Transparency of yield: the yield of products changes with the market situation, and fund companies will announce the latest yield of products in time, so investors can know the yield of products in time.
From the perspective of fund companies, rolling wealth management products have the following characteristics:
1. Low cost of capital use: Rolling wealth management products have high liquidity, so fund companies can make better use of funds and reduce the cost of capital use.
2. More flexible product design: Rolling wealth management products can be flexibly combined and adjusted according to market conditions to better adapt to market changes.
3. Faster market response: The investment strategy of rolling wealth management products is more flexible, which can respond to market changes faster and better grasp investment opportunities.
The introduction of rolling wealth management products in the market not only meets the requirements of investors for flexibility and yield, but also reduces the cost of fund companies. However, investors should pay attention to the following points when choosing rolling wealth management products:
1. Understand the rate structure of products: investors need to carefully understand the management fees, custody fees and other rates of products in order to better evaluate the yield of products.
2. Pay attention to the risk level of products: Although the risk of rolling wealth management products is relatively low, there are still some risks. Investors need to know the risk level and investment direction of products in order to better evaluate risks and benefits.
3. Pay attention to the redemption rules of products: Although rolling wealth management products can be redeemed at any time, the redemption rules of different products may be different. Investors need to read the product manual carefully, understand the redemption rules of the product, and avoid losing some income due to early redemption.
In short, the rolling wealth management product is a kind of wealth management product that can be continuously invested and redeemed, with high flexibility and low risk. However, when investors choose rolling wealth management products, they need to carefully understand the rate structure, risk level and redemption terms of the products in order to better evaluate the benefits and risks.