The new asset management regulations require banks to break the rigid redemption, so many wealth management products will become net worth products. Therefore, after investors buy wealth management, the amount they buy will be converted into corresponding shares according to the net value of wealth management products.
For example, if the net worth of product A is 2 yuan, and the investor buys 50,000 yuan, the share after buying is only 2,500 yuan, so the low share of wealth management does not mean a loss.
In the same way, the subscription share is greater than the subscription amount, which does not mean that it has earned. For example, if the net value of product B is 0.8 yuan, you can get 62,500 copies if you buy 50,000 yuan, and the share is 50,000 *0.8.
Therefore, when the net value is greater than 1, the subscription share will be less than the subscription amount; When the net value is less than 1, the subscription share will be greater than the subscription amount.
The income of net-worth wealth management products fluctuates, which is similar to net-worth fund products, but net-worth wealth management products have a fixed term and cannot be redeemed before the expiration. After maturity, the principal and interest shall be paid together.
According to the statistics of Zhongyin.com Data Center, the word "financial management" first appeared in the late 1990s. With the expansion of the domestic stock and bond market, the increasing enrichment of commercial banks and retail businesses, and the increase of citizens' income, the concept of "financial management" has gradually become popular.
Personal financial management can be roughly divided into personal assets and personal liabilities, including funds, stocks, bonds, deposits, life insurance, gold and online loans. Belong to personal assets; Personal housing mortgage loan and personal consumption credit belong to personal liabilities.
What is financial management?
When people talk about financial management, they think of either investing or making money. In fact, the scope of financial management is very wide. Financial management is to manage the wealth of a lifetime, that is, the cash flow and risk management of an individual's life. Contains the following meanings:
Financial management is to manage the wealth of a lifetime, not just to solve the problem of urgent need for money.
Financial management is cash flow management. Everyone needs money (cash outflow) when he is born, and he also needs to make money to generate cash inflow. Therefore, no matter whether you have money now or not, everyone needs to manage money.
Financial management also includes risk management. Because more flows in the future are uncertain, including personal risk, property risk and market risk, which will affect cash inflow (income interruption risk) or cash outflow (cost increase risk).
Where can I manage my money?
At present, the institutions that can provide financial services to customers in China mainly include banks, securities companies, investment companies and economic management companies.
bank investment
At present, the wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products.
Financial management of securities companies
Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences.
Investment company financing
Financial management of investment companies generally includes trust funds, gold investment, jade, jewelry, diamonds and so on. , which needs high start-up capital and is suitable for high-end financial managers.
APP wealth management
At present, there are many series of APP financial management methods on mobile phones, with zero start-up capital, which are suitable for all people.