In western developed countries, RFP is widely distributed in various financial institutions. RFP can serve institutions or companies engaged in banking, insurance, securities, funds, bonds, foreign exchange, futures, gold and other businesses, and can also engage in investment business and investment management company business, as well as business related to lawyers. China's wealth management business contains great potential, and RFP will inject new and advanced wealth management concepts into the China market.
1. Robust wealth management products refer to wealth management products that do not guarantee repayment of principal, but have less risk of loss of principal and controllable yield.
Steady wealth management products mainly include Yu 'ebao/Coin Pass (money fund), savings-type government bonds, bank time deposits, bank time deposits and bank structured deposits. It is more suitable for ordinary investors with economic strength.
When choosing wealth management products, we should not only look at the income, but also pay attention to the risk level. The higher the risk level, the higher the income and the greater the possibility of principal loss.
Second,
The following four aspects should be considered when choosing a sound financial product:
First, a good and stable wealth management product must stand the "test" of market fluctuations in order to be "stable" ~
Second, good sound financial products pay more attention to the management of fluctuation risk, not just income. Therefore, it is necessary to continue to study the exposure and correlation of large-scale asset risk factors, and use asset allocation strategies to smooth hedging risks, so that products are in a stable state for a long time.
Third, good and steady financial products focus on position management. A good and steady wealth management product is mainly composed of various bonds, and some convertible bonds and stock assets are appropriately allocated. At the same time, track market changes in time and adjust positions flexibly. When the stock market falls, reduce stock positions and avoid a big retreat; When the stock market rises, increase the stock position appropriately, so that investors can "make a steady profit without losing money".
Fourth, good and steady financial products are accompanied by steady investment. Investment is only a matter of time. There are many high-quality products on the market, but there are few high-quality supporting services. We should not only buy products, but also pay attention to follow-up services. In the holding stage, if you can't find someone when you are confused, it is easy to cause anxiety.