Financial management products can be divided into open-ended financial management and closed-ended financial management. Bank financial management is mainly net-worth financial management, so closed-net-worth financial management products are becoming more and more common. These products have a certain closing period, so closed-net-worth financial management is safe. ? Let’s find out together with you below.

1. Product risk Compared with traditional expected return financial management, net value financial products are not guaranteed, and the expected rate of return is also floating. The risk level of closed net value financial products is mostly R2 and above. Therefore, from the perspective of product risk, closed-end net worth financial products have certain risks. Bank closed-end net worth financial products will also indicate the risk level and suitable purchasers in the product description. The investment direction is not much different from the traditional expected return financial management. Therefore, although net worth financial management does not guarantee capital, it is not equivalent to High risk. It’s just that the risks and expected returns of net-value financial products are all borne by the investors themselves, and banks will not pay them rigidly. Therefore, investors are required to have a stronger ability to select products and identify product risks.

2. Liquidity risk: The term of closed-end net worth financial products is basically more than 90 days, and early withdrawal is not supported during the product term, so there will be a certain degree of liquidity risk. If closed-end net worth financial products want to be cashed out in advance during the closed period, there are generally two options: financial product transfer and financial mortgage loans. Transfer of financial products Unexpired products are transferred through the transfer platform provided by the bank, which is a matching transaction type. That is, one of the prerequisites for a successful transfer is that an investor is willing to take over the purchase. If you are in a hurry for money, you will inevitably need to transfer it at a discount. In addition, not all financial products support transfer. For details, it depends on whether there are relevant agreements in the product manual. I hope the above content on whether closed net worth financial management is safe will be helpful to everyone. Warm reminder: Financial management is risky, so investment needs to be cautious.