When choosing a wealth management product, the expected income of the product is one of the most important considerations. In the past, many wealth management products would indicate the expected income of the products. However, many investors find that more and more wealth management products use the term performance benchmark in their specifications. Then the performance benchmark is 3.7%, and what is the income of 1 10,000?

What is the performance benchmark of 3.7% 1 10,000 income?

The so-called performance comparison benchmark refers to the investors' estimation of possible income based on the past performance of products or the historical performance of the same type of products. Performance benchmark is mainly used for net-worth wealth management products, which belong to non-guaranteed floating income products, that is to say, banks do not promise guaranteed capital or minimum income, and the estimated income of net-worth products is reflected by performance benchmark.

The 3.7% performance comparison standard cannot calculate the actual expected rate of return. It can only be assumed that an investment fund fully reaches the target of 3.7% of the performance benchmark and is finally in an ideal state. Then the performance benchmark of 3.7% can be regarded as the annualized expected rate of return of 3.7%, which is calculated on the premise of fully meeting the performance benchmark (showing that it is generally impossible), with an investment of 654.38 million yuan, one year 100.

Performance benchmark and expected rate of return are both representative income estimates. When they are used as historical performance reference, they are very similar, and both of them can calculate a rough income estimate. For example, if the performance benchmark (expected rate of return) of a product is 5%, then an investment of 65,438+10,000 yuan is expected to yield 5% *100000 = 5,000 yuan annually. However, it should be noted that the expected rate of return often has the nature of rigid redemption, that is to say, the actual income after the product expires will not be much different from 5%. The performance benchmark has only reference value, and it does not have the nature of rigid redemption at all, nor does it have any actual income commitment. In other words, the actual rate of return of products may be quite different from the performance comparison benchmark.

So much for the above "What is the performance benchmark of 3.7%, 1 ten thousand yuan". I hope it will help everyone. Warm reminder, financial management is risky and investment needs to be cautious.