Investment is bound to have risks, but the risks are different. Although there may be a loss of principal in non-guaranteed financial management, in the end, you can get appropriate income and principal. Nevertheless, we should pay attention to risks when investing.
Bank wealth management products are capital investment and management plans developed, designed and sold by commercial banks for specific target customer groups on the basis of analysis and research on potential target customer groups.
In the investment mode of wealth management products, banks only accept the funds entrusted by customers, and the investment income and risks are borne by customers or both customers and banks in an agreed way.
The Interim Measures for the Management of Personal Financial Services of Commercial Banks promulgated by CBRC defines personal financial services as "professional service activities such as financial analysis, financial planning, investment consultancy and asset management provided by commercial banks for individual customers". Personal financial services of commercial banks are divided into financial advisory services and comprehensive financial services according to different management and operation modes. What we generally call "bank wealth management products" actually refers to comprehensive wealth management services.
According to different risk levels
1. basically risk-free wealth management products
Bank deposits and national debt are guaranteed by bank credit and national credit, with the lowest risk level and low yield. Investors keep a certain proportion of bank deposits, the main purpose is to maintain moderate liquidity, meet daily needs, and wait for the opportunity to buy high-yield wealth management products.
2. Low-risk wealth management products
Mainly various money market funds or debt-biased funds, these products are invested in the interbank lending market and bond market, which have the characteristics of low risk and low income. The professional and decentralized investment of fund companies further reduces their risks.
3. Medium risk wealth management products
(1) Trust wealth management products
Trust companies raise funds for investors and provide financial products with expert financial management and self-management, and investors bear their own risks. When investing in such products, investors should pay attention to analyzing the investment of raised funds, whether the repayment source is reliable, whether the guarantee measures are sufficient, and the trust company's own reputation.
(2) foreign exchange structured deposits
As an innovative product of financial engineering, it is usually a combination of several financial products, such as the combination of additional options for foreign exchange deposits. Such products usually have a yield range, and investors have to bear the risk of yield changes.
(3) Structured wealth management products
These products are linked to some stock indexes or a few stocks, but banks have capital preservation clauses, and they also have the opportunity to obtain higher returns than time deposits.
4. High-risk wealth management products
QD ⅱ and other wealth management products belong to this category. Due to the high-risk characteristics of the market itself, investors need to have professional theoretical knowledge, so as to have a deeper understanding of foreign exchange and foreign capital markets and choose financial products that suit them instead of regretting the losses.