Second, the classification of wealth management products: one is cash pool, also called fixed income (the most obvious feature is the online banking version of wealth management products, such as indicating a certain amount for 28 days.
46 days
96 days
186
365-day version) This wealth management product is the safest, and the expected benefits to customers can basically be achieved. Generally, the choice of this kind of wealth management products is to log in to personal online banking and choose the wealth management with the smallest risk coefficient.
3. Classification of wealth management products: Structured wealth management products invest the funds raised by customers in other financial instruments, such as stocks, foreign exchange and gold. , so its income is often interval income, such as 4.5%- 12.5%. For example, based on the Shanghai and Shenzhen stock indexes, the base of the day is 2000 points, the upper limit is 2200, and the lower limit is 188.
4. Generally balanced and conservative wealth management customers suggest choosing fixed income products. Aggressive customers can choose structured financial management. Of course, they should cut into the purchase according to the current economic situation, otherwise it is easier to hit the lower limit and reach the lowest income or even loss.
5. Finally, when purchasing wealth management products, you must ask the wealth management manager whether this product is a fixed or structured wealth management product, what are the structurally linked financial derivatives and how to calculate the rate of return. Only when you have a comprehensive understanding can you find a financial product that suits you.