It should be noted that fixed income enhancement is not an independent product type, but a new mixed strategy of "fixed income+enhancement" formed by scientific matching of various assets, in which the fixed income part is the shock absorption weapon of the whole combination, while the enhancement part is an important tool to strive for excess income.
Extended data:
There are three common fixed income products.
1 bank deposit products
As bank financing breaks the rigid exchange and moves towards net worth financing, our common bank fixed income financing is actually three common storage tools for banks, namely time deposits, structured deposits and large deposit certificates.
Time deposit has the lowest threshold and the highest flexibility. The longer the term, the higher the fixed interest due, while structured deposits are the middle threshold and have low flexibility. Certificate of deposit is the highest choice, generally starting from 200,000-200,000 yuan, and it is also a tool for banks to screen high-quality bank depositors. The certificate of deposit can be used as a credit certificate to realize the financing function, and the interest for 3-5 years is also around 4%. The deposit interest rates of some local banks also exceeded 5%.
Among deposit products, there are three kinds of structured deposits. Among them, interest rate-linked wealth management products and exchange rate-linked wealth management products are not pure fixed income products, but floating income wealth management products related to foreign exchange and exchange rate markets, just like equity products.
2 bond wealth management products
Among the bond financial products, it can be divided into two types: national debt and corporate credit debt, among which national debt is the most popular and the preferred financial management tool for elders. National debt is a safe and reliable financial product, with guaranteed capital and fixed interest.
Compared with the national debt, the risk of corporate credit bonds is relatively large, because these bonds are related to corporate credit and have the risk of credit default. For example, if a listed company raises funds by issuing bonds and cannot repay them at maturity, it will lead to the default of credit bonds. The recent default of Yongmei bonds is an example.
3 fixed income fund financing
Funds are also our common financial management tools. Generally, we divide funds into four categories, namely, money funds, bond funds, index funds and equity funds, among which money funds and bond funds are fixed-income wealth management products with relatively small market fluctuations.
In fact, the money fund is an attribute of quasi-deposit, with flexible turnover and high security at any time. As long as there is no systemic risk, there is no problem of large losses, and the risks and benefits are very low and stable. For example, bank money fund, Yu 'ebao and Bitong all belong to the type of money fund.
Bond funds are also financial products with low risk and return and small fluctuation, but we should also distinguish the investment targets. Among them, the bond funds mainly investing in national debt are relatively stable, and the credit bonds of investment enterprises have the risk of credit default, which is not necessarily safe and stable.