What is the best capital guaranteed wealth management income ranking in 2020?

It is recommended that you understand the basic information such as the investment direction and risk type of the product in detail before purchasing, and see whether it meets your own risk tolerance and asset management needs before deciding whether to purchase or not. Ping An Bank has launched a variety of wealth management products to meet the needs of investors, and the expected returns, investment directions, and risks of different wealth management products are different. You can log in to the Ping An Pocket Bank APP-Wealth Management, search for the name of the wealth management product or view the detailed product manual to understand and purchase.

Tips: Before you purchase a wealth management product, you should ensure that you fully understand the investment nature and risks involved in the wealth management product, understand and prudently evaluate the basic information such as the capital investment direction and risk type of the wealth management product, and decide to purchase the wealth management product that matches your own risk tolerance and asset management needs after careful consideration.

Now the income of capital guaranteed wealth management is almost the same, you can consider doing asset management services, by the company's professional analyst team, according to the law of the market, to small and large, any loss can be made up by the platform, = 15%. For more information, please leave a message.

In 2021, the highest yield of bank wealth management products is the "Bubu Wen Series Partially Guaranteed Capital C1050417000738" issued by Hang Seng Bank (China), which has the highest expected annualized rate of return of 9%.

The financial management period is 364 days, and the minimum purchase amount is 100,000 yuan, which is a type of income that does not guarantee principal. There are also in the same series:"Step by step"The series part is guaranteed C1050417000740, and the expected income is about; "Step by step"Series partial capital protection C1050417000741, expected returns.

The minimum deposit amount is also 10,000 yuan, and the financial management period is 364 days. Since 2021, the average rate of return of traditional expected return products has been roughly in between. In May, the benchmark for the average performance of net-worth wealth management products was a month-on-month decline of 2bp, which was significantly higher than that of expected income products.

Extended information: 1. How to calculate the income of wealth management?

The calculation method of financial income is generally as follows: income = investment principal * rate of return * investment time. If the investor's investment principal is 10,000 yuan, the annual rate of return of the wealth management product is 3%, and the investment time is 1 year, then the income is 10,000 * 3% * 1 = 300 yuan.

In addition, the income calculation method of different wealth management products may be different, such as Alipay Yue Bao and WeChat Coin Pass, the income is calculated on a daily basis, and the calculation formula is: 10,000 confirmed principal * 10,000 income on the same day.

2. What can be divided into bank wealth management?

1.According to different currencies, wealth management products generally include RMB wealth management products and foreign currency wealth management products.

2.According to the different ways of obtaining income according to customers, wealth management products can also be divided into guaranteed income wealth management products and non-guaranteed income wealth management products. Wealth management products with guaranteed returns refer to wealth management products in which a commercial bank promises to pay a fixed income to a customer in accordance with the agreed conditions, and the bank bears the investment risks arising therefrom, or the bank promises to pay the minimum return to the customer and bears the relevant risks in accordance with the agreed conditions, and other investment returns are distributed by the bank and the customer in accordance with the contract and jointly bear the relevant investment risks.

3.Non-guaranteed income wealth management can be divided into principal-guaranteed floating income wealth management products and non-principal-guaranteed floating income wealth management products. Principal-guaranteed floating income wealth management products refer to wealth management products in which commercial banks guarantee the payment of principal to customers in accordance with the agreed conditions, and the investment risks other than the principal are borne by the customer, and the actual income of the customer is determined according to the actual investment income.

Non-principal-guaranteed floating income wealth management products refer to wealth management products that commercial banks pay to customers according to the agreed conditions and actual investment returns, and do not guarantee the safety of customers' principals.

In 2020, the better wealth management products include bank smart deposits, brokerage repurchases, pension products, regular investment and trusts.

1. Bank smart deposit, the so-called smart deposit, is to innovate some long-term fixed deposits into "demand deposits" and "short-term wealth management products" through the transfer of capital pool + income rights. The essence and core of this innovative product is still fixed deposits, because only fixed deposits can ensure a high level of return, and this level of income is fixed.

2. Brokerage ** repurchase, the income certificate of the brokerage is divided into fixed income certificate and floating income certificate, and its product logic is similar to that of treasury bonds. It is equivalent to the investor lending money to a brokerage institution, and agreeing that the repayment of the principal and income is related to the specific target**. Specific underlying issues include, but are not limited to, equity, debt, credit,**, interest rates, exchange rates, indices,** and underlying commodities.

3. Pension products, under the combined effect of population aging and declining birthrate, China's pension has been in a state of scarcity. The issue of pension is already a major national event, and the country attaches great importance to it, so we naturally have to take advantage of the trend.

4. Regular investment, human nature is risk-averse, profit-averse and disadvantage-avoiding, so many people don't like this floating income product, but today's regular investment index is the simplest and most brainless.

5. Trust, there are only 68 trust companies in normal operation in China, compared with thousands of domestic banks, hundreds of brokerages and ** companies, the trust license can be said to be the most scarce and valuable among all financial licenses.

Nowadays, there are many factors that promote the soaring global surge, such as the gradual spread of the impact of global public health emergencies, the introduction of high economic recovery policies in many countries in Europe and the United States, and the tensions between China and the United States.

In general, the unstable global macro environment is good for safe-haven assets. At present, due to the low opportunity cost of holding, the investment market is extremely hot, and in the case of the long-term bullish concept will not change, if you want to get better returns in the volatility, it will test the ability of investors to seize investment opportunities.

Compared with the traditional physical investment method, spot trading has the advantages of low investment threshold (tens of dollars can be opened), flexible trading time (24 hours a day trading), flexible trading rules (T+0 mode, two-way trading), strong risk controllability (take profit and stop loss can be set), and good investment market prospects (large ****** space). When the volatility is large, investors can trade spot and earn the volatility difference.

You can find it in Alipay.,A lot of**Ah,These**are all after ah.,Alipay's screened ah**After screening**You can still refer to.。

You can consider bank bill financial management, the risk is low and the return is relatively high, and the expected annualization is above, but you must investigate clearly, the wealth management market is uneven, don't just look at the income and the surface, **too much, and the means are getting more and more sophisticated

Go to the five major state-owned banks, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, and Postal Bank are the five major state-owned banks, each of which has related financial products, including three months, six months, one year, etc., and the annualized rate of return is generally between, which is more reliable, and it seems that the wealth management products called structured deposits are relatively stable. FYI.

Which bank's wealth management products are different? It depends on which bank you trust? Then just do it.

There are several major banks in China, depending on which one you can trust, we generally choose the People's Bank of China, after all, it is a big bank!

I can't see those good now, after all, it's just over the New Year.

I have been engaged in the financial industry for nearly 6 years, and have worked in banks, trusts, and wealth companies, so I am qualified to answer this question. I don't know the amount of funds, financial management time, income needs, and risk matching degree of the subject, so it is difficult to give you suitable suggestions. Take me personally, for example, I hope to give the landlord some references, assets within 200, personal style balance (medium risk tolerance), mainly for long-term financial allocation, the pursuit of income to 10% + annualized, currently with 100 trusts, 40 private equity FOF, the remaining more than half of the more than 200,000 thrown into the Nasdaq 100 careless, the rest of their own speculation ** as a current use.

1. Tim Yi Bao: Tim Yi Bao is a currency-based balance value-added service launched by China Telecom's Yi Pay for the majority of users, and its first partner is China Minsheng Bank. At present, its partners are China Minsheng Bank and Bank of Shanghai, and will carry out cooperation with ** companies in the future.

2. Rooibos: Rooibos is a settlement service product for the direct bank of China Minsheng Bank and ** company to complete the automatic subscription and redemption of currency ** for the current balance of the customer's electronic account.

4. Current Pass: Current Pass is a cash account launched by Huaxia ** with income far exceeding current account and fast and flexible access to funds. Depositing into a current account is the purchase of ChinaAMC Cash Enhancement Currency**, which can obtain income far exceeding that of current savings, and users can use and withdraw at any time without any handling fees.

5. Southern Cash Treasure: Southern Cash Treasure is a convenient currency investment tool launched by the Southern Online Direct Selling Platform. Depositing money in cash treasure is actually buying the currency of the south, and you can enjoy the income of currency, which is higher than the current income of the bank.

6. Ping An Ying: Ping An Ying is a series of financial products and services provided by Ping An Bank to investors through Fortune E through cooperation with financial institutions (including but not limited to insurance companies, banks, ** companies, ** companies, etc.).

9. Yu Libao: Yu Libao is a cash management product mainly for individuals, small and micro enterprises and small and micro operators, and the product itself is a cloud business treasure currency launched by Tianhong, which has the characteristics of low risk and high liquidity, and is jointly created by MYbank and Tianhong.

10. Lufax: Lufax is an investment and wealth management platform for Ping An Group of China. On the basis of a sound risk management and control system, we provide investors with professional financial services. A variety of wealth management products to meet the needs of all-round wealth management.

Safe? This year seems to be a hot word in financial management. Everyone is concerned about security, so let's talk about the platform I know.

1, Alipay, 2, Rubik's Cube, 3, Bank Wealth Management, 4, Daily**, 5, Anti-epidemic Treasury Bonds, 6, Ant Fortune, 7, JD Finance, 8, Coin Treasure, 9, Wealth Management, 10, Baidu Wealth Management. The financial management market is deep, today this loses money, tomorrow that **. We can't help it, who made us unprofessional.

It mainly depends on how high the regular rate of return is, and buys according to your actual situation. Since 2020, the yield of banks' prudent wealth management has continued to decline, and has even fallen below 4%. In this case, investors are more likely to choose time deposits with a longer maturity, and the interest rate of 3-year time deposits has exceeded 4%.

The income of wealth management products and the income of fixed deposits are "inverted", and professionals suggest that investors should not blindly chase high, and what suits them is the best. Industry insiders explained that the decline in the yield of wealth management products is mainly related to the level of market liquidity. In 2020, the People's Bank of China (PBoC) lowered the reserve requirement ratio three times, releasing trillions of yuan in long-term funds, and maintaining reasonable and abundant market liquidity.

Market liquidity remains reasonably abundant. The cost of obtaining funds for banks has decreased, affecting the level of yield of wealth management products. At the same time, the structural adjustment of bank wealth management products is still continuing, which is also driving the downward trend of bank wealth management income.

At present, the domestic economy is recovering, the People's Bank of China is likely to maintain the current relatively loose policy, the total liquidity in the banking system will continue to maintain a high level, the market capital is loose unchanged, and it is expected that the bank's wealth management income will not rebound significantly. Some investors want to invest in short-term wealth management products now, and then wait for the market interest rate to rise, and then adjust, at present, this operation strategy is not suitable. The deposit interest rate is higher than that of wealth management products, so for prudent investors, they dare not easily try medium and high-risk investment methods such as **, **, **, etc., how to manage their finances?

It is recommended to choose bank deposit products with relatively high security, and the interest rate of deposit products of city commercial banks is relatively high. Some banks have a 3-year fixed deposit, starting from 10,000 yuan, and the interest rate is reached.

However, compared with most bank wealth management products, bank deposits have a longer maturity and less liquidity. If investors have capital needs in the short term, it is not recommended to choose a fixed deposit, because the interest rate should be calculated according to the demand deposit, which is not cost-effective.

If you want to ask what kind of financial products have high returns and are safe, the American financial predator Soros has said that "there is no risk in investment itself, only out-of-control investment is risky". That is to say, the biggest risk of investment is that you buy products that exceed your subconscious needs, are unfamiliar and do not understand (dry goods are coming, code words are not easy, weakly begging the officials to give a thumbs up first, kneel and thank you).

The first is bank wealth management products

The income of bank wealth management products is usually 4-5% higher than that of Yue Bao, which is generally safer. Most of the bank's wealth management products, to do some low-risk investment, the bank has a very strong risk control ability, can borrow money from the bank institutions Zhengshan credit and strength is not bad, and there is collateral, the possibility of problems is relatively small, even if there is a problem, you can use the collateral to sell to offset debts, rarely let users lose money.

Taking into account the five major indicators of issuance ability, profitability capacity, product research and development ability, operation and management ability, and information disclosure standardization, I recommend the product of "Everbright Financial Management".

According to the "Ranking of 279 Banks in China on Wealth Management Ability" released by Puyi Standard in the second quarter of 2022, Everbright Wealth Management performed well in terms of income, with its product "Sunshine Gold 13M Fengli Phase 2" ranking second and ranking among the top five in the industry in terms of comprehensive wealth management ability.

In the first half of this year, the average annualized rate of return of Everbright Wealth Management's "Fixed Income +" wealth management products was, while the average market annualized rate of return was only; Since the establishment of the product, the annualized rate of return of Everbright Wealth Management's "Fixed Income+" wealth management products has been the average annualized rate of return in the market. Everbright Wealth Management outperformed the market average in two indicators. Brother Congdong (The above data is as of June 30, 2022).

The second is online fixed-term wealth management products

Online fixed-term wealth management products are mainly BAT, that is, fixed income products sold by super-large Internet companies such as Alipay and WeChat. But BAT is just a channel, and the products they sell are not produced by themselves, but may be fixed income products from insurance companies, ** companies, ** companies.

To sum up, the overall income of bank wealth management products is about 4-5%, which is relatively safe, but before you buy it, you should ask clearly whether your product is an agreed income or a floating income, and you must check the code of your product to avoid buying fake bank wealth management.

Finally, I wish everyone can buy high-yield and safe financial products to achieve financial appreciation!