Fixed-income wealth management products are wealth management products that investors can obtain income according to the pre-agreed interest rate. The so-called "fixed income" means that the expected return on investment is fixed, but not all fixed-income products guarantee the principal guaranteed return, and most fixed-income products are products that do not guarantee the principal and return;
The expected rate of return of products only means the highest rate of return that investors can get under the condition that the basic assets invested by products are recovered normally. Once the invested assets are lost, investors' principal and income may be damaged.
There are different types of fixed income products according to different investment directions. The investment money market tools launched by banks and various bond wealth management products issued in the inter-bank bond market are the mainstream of current stable wealth management products because of the low risk of investment targets, certain flexibility and relatively high returns.
There are also many products with high returns and relatively high risks in fixed-income products, such as wealth management products that specialize in investing in trust income rights or trust plans. Because of the trust nature of the investment target, this kind of products have relatively high risks, and at the same time, they have won investment opportunities with higher returns.
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Problems that investors should pay attention to when choosing fixed-income wealth management products;
1, choose the appropriate products according to the needs of investors and their own risk tolerance. Investors' funds are temporarily idle, which is suitable for choosing financial products with low risk and short term; Investors with low risk tolerance are suitable for choosing low-risk financial products.
2. Choose fixed-income products according to the macroeconomic situation. In the period of rapid economic growth and rising inflation rate, it is not suitable to choose long-term wealth management products, because the interest rate is rising at this time, and the yield of products issued in the later period will also rise, but if you choose products with longer term, you will lose the possibility of obtaining higher returns;
3. Choose a field that you are familiar with and recognized. Investors should pay attention to choose their own familiar or recognized fields, because the information of such products is relatively opaque, and it is difficult for investors who are not familiar with this investment field to make accurate judgments and objective understanding of the risks of the products, or they are blindly optimistic, and it is difficult to accept the risks once they appear, or they are nervous during the operation of the products.
People's Network-Analysis of Fixed Income Financial Products? Some products do not guarantee the principal.
Fenghuang. com-fixed income wealth management products are favored.