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Chapter 8 Bank wealth management products, rising stars in the wealth management market (1)
Which bank wealth management product is more suitable for you

If you want to invest in bank wealth management products, you must know what types of bank wealth management products are available.Bank wealth management products are generally divided into three types:
[-]. Guaranteed income
Guaranteed income wealth management products refer to commercial banks promising to pay fixed income to customers according to the agreed conditions, and the bank bears the resulting investment risks, or the bank promises to pay customers the minimum income according to the agreed conditions without taking relevant risks, and its investment income is determined by The wealth management product that the bank and the customer allocate according to the contract and jointly bear the relevant investment risks.At present, such bank wealth management products that investors can buy mainly include trust wealth management products, short-term financing bond wealth management products, and bank asset collection wealth management products.These wealth management products invest in low-risk financial products, such as financial bonds, short-term treasury bonds, negotiated deposits, and central bank bills.The main features of this type of bank wealth management products are that they can guarantee relative returns, and the investment period is very flexible. They are very suitable for investment for those who pursue asset preservation and steady appreciation.

[-]. Capital guaranteed floating income type
Capital-guaranteed floating-income wealth management products refer to wealth management products in which commercial banks guarantee the principal payment to customers according to the agreed conditions, and the customers bear the investment risks other than the principal, and the actual income of customers is determined according to the actual investment income.The main feature of this kind of bank wealth management products is that the expected returns are generally considerable, often higher than the income of bank savings deposits in the same period, but investors also need to bear the risks brought about by fluctuations in income during the investment period.It is very suitable for investment for those who want to pursue greater returns on assets and have a certain risk tolerance.

[-]. Non-guaranteed floating income type

Non-principal-guaranteed floating-income wealth management products refer to wealth management products in which commercial banks pay returns to customers based on agreed conditions and actual investment returns, and do not guarantee the safety of customers' principal.The main feature of this type of bank wealth management product is that the expected return is generally relatively high, but the risk is also very high, and even the principal may not be recovered, and the investment period is often relatively long.It is very suitable for investment for those who have relatively strong financial strength and will not use it in the short term and have a high risk tolerance.

If you want to invest in bank wealth management products, any investor must see clearly which type of bank wealth management product you want to invest in. One point is very important.

How to choose bank wealth management products
No matter what wealth management products you invest in, there will be precautions, and bank wealth management products are no exception.So what should be paid attention to in investment bank financial management?There are four main points to note:
[-]. You should fully understand which type the product belongs to

For investment in bank wealth management products, it is very necessary for investors to fully understand this product and see what type it belongs to before investing, because now there are many types of bank wealth management products, not only with guaranteed capital and guaranteed returns Types, capital-guaranteed and floating-income types, and non-guaranteed-income types, etc., if investors invest, their final income will definitely not be the same.Therefore, although investors have invested in bank wealth management products, they do not conform to their own investment style. Once they encounter investment losses, they will definitely make themselves unacceptable.For investors, the bank wealth management products of the capital-guaranteed guaranteed income type and the capital-guaranteed floating income type generally provide relative guarantees in terms of income while ensuring that the investor's principal is not damaged, and the risk is generally small.Non-guaranteed and income-based bank wealth management products are different. Under normal circumstances, they bring investors higher returns, but generally have greater risks.If the performance of the object it is linked to is not particularly good, it may bring investors not only no income, but also a loss of capital.Based on the above situation, it is very important for investors to choose the type of wealth management products invested by banks. Only by knowing and choosing the products that suit them, will they be able to enjoy the benefits of investing in bank wealth management products on the basis of satisfying their own investment wishes. The joy of my own mood.

[-]. Pay attention to the liquidity of wealth management products when investing

For any investor, the liquidity of bank wealth management products is a problem that needs to be paid enough attention in the process of investment.Because most bank wealth management products are not very liquid, and generally do not allow early redemption midway, once investors need money urgently, they can only look at the investment "bank wealth management products" and sigh.Therefore, when investors invest in bank wealth management products, in order to avoid "embarrassment" when they need money urgently, they should choose carefully when choosing bank wealth management products, and see if there is a provision in the terms that allows customers to terminate the right in advance. Can the product be used as a pledge loan.For most bank wealth management products, customers are generally not allowed to terminate early, and even if they are allowed, there is a specific termination time.As far as pledge loans are concerned, many people support them, but compared with the cumbersome procedures of pledge, the time to obtain funds will not be too fast, and the proportion of funds obtained by pledge is relatively low, generally controlled below 80%.Therefore, when investing in bank wealth management products, investors must consider the urgent need for money. If you want to invest, it is best to invest with your spare money.

[-]. When investing, you should look at the investment period according to your own situation

The investment period of bank wealth management products can be long or short. Generally speaking, the shortest is only a few days, one or two months, and the longest can reach one year or even three years.For bank wealth management products, the longer the investment period, the higher the rate of return.If the bank's wealth management products are linked to products such as stocks or funds, the general period will be relatively longer.Because such bank wealth management products can reduce the impact of short-term market fluctuations to a certain extent, the rate of return achieved after maturity will be relatively high.However, if the bank wealth management products invested by investors are linked to products in the direction of exchange rate or interest rate, the general period will be relatively short.Of course, the yield will fluctuate greatly in the short term, so the yield will be lower after maturity.Therefore, when investors invest in bank wealth management products, they should invest in bank wealth management products according to their own use of funds. If the funds will not be used for a long time, it is best to choose bank wealth management products with a longer investment period, otherwise choose the investment period Shorter wealth management products, in this way, investors can choose satisfactory bank wealth management products while meeting their own investment needs, and finally enable themselves to obtain more satisfactory returns.

[-]. Choose products linked to promising fields according to your own understanding
The objects linked to bank wealth management products can be exchange rates, interest rates, or gold, or trust projects, stocks, funds, futures, etc.If the bank is optimistic about any investment field, it will invest in that field after raising funds.In this investment process, banks actually play the same role as investors who buy bank wealth management products.It's just that the bank raised funds from individual investors. The amount of funds is relatively large in scale, and investment decisions are made by financial experts after analysis, so as to achieve a win-win situation for both banks and individual investors.Based on this situation, if an individual investor wants to invest and thinks that the investment fields linked to bank wealth management products are very good, but he is unwilling to take risks himself, then choose to invest in bank wealth management products linked to the investment fields he thinks are good. Undoubtedly, it means that you have achieved the goal of investing in your favorite "goal".Of course, this is indeed a very good choice for individual investors to invest and obtain more returns.

There are many types of bank wealth management products. You should choose the product that suits you according to the characteristics of the bank wealth management products, your own preferences and economic conditions, so as to achieve the purpose of maintaining and increasing the value of assets.

There are skills in investing in banking wealth management products

No matter what kind of investment you make, you must have a lot of skills, and investment bank wealth management products are no exception, which also require skills.Only by understanding the investment skills of bank wealth management products, investors can better obtain greater returns by investing in bank wealth management products.So what are the skills of investment banking wealth management products?There are four main manifestations:
[-]. Only focus on products and not superstitious expected benefits
(End of this chapter)