What does net worth wealth management mean, and what does net worth wealth management mean?

The net value wealth management product is similar to the open **, which is an open-ended, non-principal-guaranteed income wealth management product, and the bank does not promise fixed income without expected income, and the income obtained by the user is related to the net value of the product, and the risk-bearing subject falls on the user. The subscription and redemption of net-worth wealth management products are more flexible and reasonable, so as to avoid being deceived by high returns.

Value-based wealth management products are an investment method with no fixed income and no investment period, which can redeem funds at any time, and the liquidity of this product is better.

Net worth wealth management products refer to wealth management products that are issued according to shares and disclose the net value of unit shares on a regular or irregular basis; It is suitable for people who have a certain amount of risk-taking ability and pursue higher returns.

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The operation mode of net-worth wealth management products is similar to that of open-ended**, during the open period, investors can subscribe and redeem at any time, and the income of the product is also directly related to the net value of the product.

What is a net worth wealth management product?

The net-worth wealth management product is an open-ended wealth management product, which is characterized by no expected return and no investment period. The product will be open on a weekly or monthly basis, and users can subscribe and redeem at any time during the open period. This type of wealth management product is different from bank wealth management products, and net worth wealth management products calculate income through net value.

When purchasing or redeeming a net-worth wealth management product, it is carried out in accordance with the unknown price method, which means that when the wealth management product is purchased or redeemed on the same day, the net value at that time cannot be known, and the net value at that time can only be known on the next net value announcement date. Many people here will have doubts that this way of operation will bring relatively large risks.

There are two types of net worth wealth management products: closed-end net worth and open net worth, and closed-end net worth products refer to fixed periods, but the net value of the product is disclosed regularly, and investors can only redeem the product at maturity. Open-ended net worth products refer to the products that can be developed regularly during the duration of the product, and investors can add or redeem them on the open day, and if they redeem in advance, the funds will not rise until the open day.

There is no expected rate of return for net-worth products, and the bank will not commit to fixed income, only after the maturity of the product, the bank will calculate the customer return based on the actual market investment of the product**. If it is an open-end net value product, it is valued according to the market ** during the opening hours, and the change in the net value of the product determines the amount of profit or loss for the investor. The income of the net-worth product is displayed in the form of net value, which can reflect the value of the product accurately, truly and in a timely manner.

Net worth products are generally calculated according to the share, the initial net value is 1 when it is first established, assuming the purchase of 100,000 yuan of newly established net worth wealth management products, the share is 100,000 shares, if the product is actually running for 182 days, the net value after maturity is, his annualized rate of return is, net worth wealth management products and ** and ** have the same subscription fee and redemption fee, subscription fee and redemption fee are related to the number of purchases and holding time, the longer the holding time, the lower the rate.

Net worth wealth management refers to the kind of open-ended wealth management product that the wealth management product is, and this kind of wealth management product has no expected return and investment period, and can only reflect the profit and loss of the product through the net value.

Net worth wealth management refers to the financial products issued according to the share and regularly or irregularly disclose the net value of the unit share, the risk is relatively large, but the income is higher, this method can also allow financial management people to see their income more intuitively, suitable for more professional people to choose.

It is a product that will have a net value for a period of time, which is actually a kind of financial product, which is different from the ordinary financial situation.

It is a type of product designed and issued by commercial banks and formal financial institutions, which invests the raised funds into the relevant financial market and purchases relevant financial products according to the product contract, and distributes the investment income to investors according to the contract.

Net value refers to the wealth management product is an open-ended, non-guaranteed floating income type of wealth management product, this kind of wealth management product has no expected return and investment period, and the income is only displayed through the net value. The net value can actually reflect the profit and loss of the product, which allows investors to have a more accurate understanding of the profitability of this investment.

Due to the net value wealth management products, the net value and share need to be confirmed at the time of redemption. Therefore, this type of product is generally not received in real time, and it usually takes about 3 days.

Characteristics of net-worth wealth management products:

1. High transparency of operation.

Regular disclosure of product operation announcements for net-worth products, so that investors can accurately grasp the investment situation and net value of net-worth products during the investment period, and the product operation is highly transparent;

2. Truly reflect the market value of investment assets.

Under the valuation system of the market value method, the net value of net worth products can directly reflect the market value of investment assets.

However, net-worth wealth management products are generally high-risk, high-return types of wealth management, and investors bear the risk of net worth fluctuations, and may obtain high returns or losses.

Net worth wealth management products refer to wealth management products that do not specify the expected rate of return when the product is issued, and the product income is displayed in the form of net value, and investors enjoy floating income according to the actual operation of the product. It is divided into closed-end net worth and open-end net worth products; Closed-end net worth products refer to products with a fixed term and regular disclosure of net value, which investors can only redeem at the maturity of the product; Open-ended wealth management products refer to the products that are regularly opened during the duration of the product, and investors can subscribe or redeem during the open period.

Net worth wealth management products are funds raised by banks to invest in the capital market or money market, and the final return of investors depends on the investment income of the bank, and the bank does not promise a fixed rate of return in advance.

There is no expected return for net-worth wealth management products, and banks do not promise fixed income, and the income obtained by actual users is related to the net value of the product. To put it simply, assuming that the net value of the product is 1 when the user buys it, then on the next open day, if the net value of the product becomes, the user's income is; If the equity becomes, the gain is, that is, the loss.

There are three main differences between net-worth wealth management products and traditional wealth management products:

1. From the perspective of liquidity, general wealth management products have an investment period, and funds cannot be redeemed before maturity; On the other hand, net-worth wealth management products are relatively liquid, with open days every week or month, and subscription and redemption are relatively flexible.

2. Similar to public offerings**, net-worth products will disclose income, which is more transparent than traditional wealth management products of banks.

3. Net-worth wealth management products are diversified in different markets, especially some high-risk markets; When the market is good, the income will be higher than that of ordinary wealth management products, and when it is bad, it may also lose money.

Different net-worth products have different development and redemption periods. Taking SPD Bank's 10 net-worth products as an example, the opening cycle varies from daily, monthly, quarterly, semi-annually and annually. For each open redemption period, the current net value of the product will be given.

According to the reporter's rough statistics, although there are differences in the yield of different net-worth products, at present, the real income of these products has certain advantages over fixed-income wealth management products of the same period, and the annualized rate of return is 1-3 percentage points higher than that of traditional wealth management.