Net-worth wealth management products are similar to open-end funds, which can be purchased and redeemed at any time during the open period, and the income of net-worth products is related to the net value of products. The income of net-worth wealth management products mainly depends on the change of net transaction value at the time of purchase and net redemption. Without considering the handling fee, a net increase means a gain, and a net decrease means a loss.
For example, the net value of the product at the time of purchase is 1. 1, and at the time of redemption it is 1.2-1= 0./kloc-without considering the subscription and redemption fees.
However, it should be noted that the net worth is based on the principle of unknown price, and the net worth wealth management products have no actual income before redemption.
Extended data:
1. Holding period of net worth wealth management products.
Net worth wealth management products are best held for a long time, and generally short-term holding is easy to cause losses. Therefore, investment in such wealth management products should be prepared for long-term holding. As long as it lasts for a long time, the probability of principal loss is very small, and the risk of this wealth management product itself is not very high.
2. Liquidity of net worth wealth management products.
Net worth wealth management products are highly liquid. This kind of wealth management products are suitable for friends who have requirements for fund visibility. When buying a net worth wealth management product, you can check the recent trend, and then choose a point with a lower net worth to buy, so it is easier to get benefits later.
3. About the risks of Alipay financial management.
In addition to online wealth management products, Alipay has other wealth management products, including Yu 'ebao and Yu Bao Li. Now Alipay has access to different types of fund wealth management products, and users can choose according to their own needs. Different products have different risks and benefits.
Alipay financial management has risks on a regular basis and faces risks. Products with different risk levels have different risks. On the other hand, Alipay has strict screening, and his financial management is formal, formal and credible.
First of all, Alipay does not bear the risk of regular financial management. Alipay is a large-scale financial integrated platform. Wealth management in wealth comes from large formal financial institutions, such as funds, insurance, banks and securities. The products are formal, credible and rich.
Alipay Wealth Management itself does not have the right to issue wealth management products, nor does it have formal wealth management products. Its function is only to show different wealth management products to friends and provide convenient wealth management and value-added services. Therefore, Alipay does not bear the risk of regular financial management.
Secondly, Alipay's regular wealth management, including non-guaranteed floating income wealth management products, guaranteed floating income wealth management products and deposit products, has different security and protection. Different wealth management products have different security. But in general, Alipay manages money regularly, which is welcomed by low-risk people, formal and credible, and adapts to a wide range of people.
Thirdly, different risk levels of wealth management products have different risks. The periodicity in Alipay is mainly low-to-medium risk, which is suitable for friends who are stable and above and have a preference for risk tolerance. It belongs to public financial management, so it has a large sales volume and a good overall reputation.
For low-risk wealth management products, the probability of principal loss is small, and the probability of income failure due to risk factors is small, but there may be some fluctuations.
Therefore, it can be said that Alipay only displays the wealth management products of regular issuers and has a strict screening system, so it is formal and credible. Just like a wealth management supermarket, there are no wealth management products.
References:
Baidu Encyclopedia-Net Wealth Management Products