As can be seen from the full name, the guaranteed financial management will have a bank commitment in the agreement. No matter what happens, the bank guarantees that the customer can get back all the principal when it expires. If it is floating income, the bank does not promise the due income, and it is possible to give the expected rate of return from scratch, and the risk is borne by the customer.
Question 2: What does the guaranteed fixed income type mean? Capital preservation and fixed income type refers to wealth management products with fixed yield.
Assume that the principal of financial management is 654.38+10,000 yuan, and the reference annualized net income from investing in this product is 5.4%, so as to realize actual financial management.
If the term is 62 days, the investor's income = 100000×5.4%×62/360=930 yuan.
Wealth management products are a kind of wealth management products designed and issued by commercial banks and formal financial institutions, which invest the raised funds in relevant financial markets, purchase relevant financial products according to product contracts, and then distribute them to investors according to contracts.
Question 3: What does "capital preservation fund" mean? The simplest definition of capital preservation fund is that after a certain period of time (usually 3 to 5 years, up to 10 years at the longest), investors will get a certain proportion of the investment principal (for example, 100% of the principal), and at the same time, if the fund is successful, investors will get additional income. Because the capital preservation fund has a certain closed period, that is, if investors redeem their shares during the closed period, they will not get the capital preservation promise of the fund company, so the capital preservation fund is also called semi-closed fund.
Question 4: What is the significance of high-yield guaranteed financial products? That is, the income is high and there is no risk of loss. For example, the stock market does have high returns, but it is risky. If you are not careful, you will lose everything. Putting money in the bank can be regarded as capital preservation, but the income is low. Simply put, you can have your cake and eat it.
Question 5: What do you mean by mixed financial management and capital preservation? 1. The capital-guaranteed hybrid fund is a * * * fund that invests in fixed income such as growth stocks, income stocks and bonds.
2. The purpose of hybrid fund design is to let investors diversify their investments by choosing a fund type, without buying different styles of stock funds, bond funds and money market funds. Hybrid funds adopt both aggressive and conservative investment strategies, and their returns and risks are lower than those of stock funds and higher than those of bonds and money market funds.
Question 6: What do you mean by guaranteed financial management? Is it really guaranteed? Capital preservation and financial management is to guarantee your principal. If it is guaranteed capital and interest, it is to ensure the full return of principal and interest income. Whether it is true or not depends on your contract and the company's qualification and safety recognition. I hope I can help you. Please adopt it.
Question 7: What does the break-even of fund investment mean? Why is nobody right?
Capital preservation fund refers to the redemption of the fund issuer after the investor has held the fund in the contract for more than a certain number of years (currently it is generally 3 years in China), so the investor can redeem it according to the minimum net value agreed in the contract, which is not lower than the net value when the investor bought it. If the net value of the fund is higher than the minimum net value, it will be redeemed according to the net value.
Capital preservation fund is a risk-free fund with principal, but its income is less than other funds. The capital preservation condition must be the number of years of holding the fund, otherwise the redemption at other times will be based on the net value of the fund at that time.
The risk of a capital preservation fund is that after the capital preservation expires, the principal will not be lost, but time may be lost.
Question 8: What is a guaranteed rolling wealth management product, that is, what does it mean? Are you sure you can make ends meet? All wealth management products, except insurance wealth management products, have risks.
The so-called capital preservation means capital preservation within a certain period of time, and taking it out in advance is not capital preservation.
The guaranteed rate of return is generally not fixed and relatively low. It is possible that the income is not enough for the handling fee, resulting in a loss of principal.
Question 9: What do you mean by capital preservation of ABC's wealth management products? Capital preservation is to ensure that the principal is not lost. However, according to the relevant laws and regulations, the bank's wealth management products cannot promise risks and benefits in writing. You'd better look carefully before you move.
Question 10: the difference between non-guaranteed and guaranteed bank wealth management products "real estate, trust, five-color soil", also known as the three treasures of wealth management. All three wealth management products are based on fixed income, and the yield of 10% is horizontal and stable for a long time. Stocks, funds, gold, foreign exchange, futures and antiques may have a yield of more than 20% or a loss of 20%, and the prices fluctuate greatly; The yield of bank wealth management products is generally around 5%, which is too low to be a treasure of wealth management. The records of the past 10 years show that it is safe and worry-free, and the annual yield is stable in the range of 8%- 12%.
One of the three treasures of financial management, real estate: the annual increase is above 8%
National house price: during the period of 13, it increased by 2.9 times, with an average annual increase of 8.5%. According to the data published by the National Bureau of Statistics, the housing reform began at 1998. In that year, the national average price of commercial housing was 1854 yuan/square meter, and in 201year, the national average price of commercial housing was 538 1 yuan/square meter.
Shanghai house price index: 1 1 year has increased by 2.6 times, with an average annual increase of 9%. According to the monthly index data released by Shanghai Second-hand Housing Index Office, the second-hand housing index was 2595 points in the month of 2012165438+10, based on 2001000 points.
Of course, due to the regulatory policies, the real estate appreciation in China has been very small in recent years, but in the long history of 50 years, we can find that the real estate appreciation is steady. There is an old saying in China that "the toast has money".
The second of the three treasures of financial management, trust: the annual yield is 8%- 12%.
According to NAREIT's calculation, during the 38 years from 1972 to 20 10, the average annualized dividend (dividend reinvestment) rate of the global real estate index is 8.3%.
China Trust issued its first trust product in July 2002. By 20 12 years, it has been issued 10 years. According to the recently released Trust Industry Development Report of China (20 12), 75% of investors' annualized rate of return on trust products in the last three years exceeded 9%, and 50% of them' total financial assets exceeded10 million.
Three treasures of financial management, five-color soil: annual rate of return 10%- 12%.
Five-color soil refers to a large number of transferable assets supported by five types of real estate property rights. A single colored soil costs 500,000 to 50 million yuan, and the term is 1 month to 1 year. (Among them, the five types of real rights of real estate refer to: ownership, usufructuary right, mortgage right, possession right and pledge right). Wuse soil, the first mortgage loan company in China, operated steadily in 10. The five-color soil loan expires in one year. If it is overdue, the five-color soil can be quickly converted into cash, and the five-color soil has become a "hard currency" in the private lending market.