Bank wealth management product skills, bank wealth management products three major routines

Routine 1: Blurred spontaneous and consignment. (This is almost a line rule, regardless of the size of the bank, there is basically this situation, because the financial manager and its business department are performance appraisal, in order to complete the KPI, will naturally lower the moral bottom line) in the bank to buy wealth management products, the financial manager often pays attention to the promotion of the rate of return, emphasizing the bank's credit endorsement, and is not likely to take the initiative to inform the bank whether the product is issued by the bank itself, or sold on behalf of the bank, these things related to risk are often deliberately concealed.

For example, this year, a bank in Nanjing sold the first product "Xinyuan", a loss of more than 13%, but the bank not only did not explain the risk situation to investors when selling, but even many investors did not know that the product was not the bank's own product. To put it bluntly, this ** product is only sold in the bank (to help others sell), and the bank takes a commission rebate according to the sales situation, and does not bear the risk of the product, but the trick is that the bank has repeatedly emphasized that "the absolute return of 13% in half a year" is for money.

Routine 2: Wealth management becomes insurance. In addition to spontaneous wealth management products, banks will also sell insurance, **, brokerage plans, trust fund business, etc.

Many people have this experience, originally to buy wealth management, to earn income, but by the financial manager confused the concept, the result is inexplicably turned into insurance, and when the repentance comes to find, I go, what about my principal and income?

Routine 3: Mysterious expected rate of return. When buying financial management, you must be most concerned about the rate of return, but there are actually many tricks in the rate of return, and if you are not careful, you may be taken into the pit.

Financial planning should take into account three factors: risk, profitability and liquidity.

Financial planning requires you to first analyze your financial situation, including your assets, liabilities, income and expenses.

Financial planning should have appropriate goals and long-term persistence and continuous optimization.

As the saying goes, "you don't manage money, money doesn't care about you", for financial management, I personally think we should still understand and learn as soon as possible, after all, this is not only related to our daily life, but also related to our future, because with the aging of the continuous intensification, if we do not pay attention to financial management when we are young, then it is difficult to make our lives taste with the meager pension that we retire in the future.

Compared with our parents' generation, we have a lot of choices in financial management, because our parents' generation often uses the money they save from work for their own expenses, and more choices are made to deposit in the bank or buy treasury bonds, but now for us, in addition to choosing to store in the bank, there are many financial products or insurance and real estate purchases, etc., which of these financial management methods is suitable for themselves, and they must combine their own reality and do what they can.

If you belong to the more stable type, then in terms of financial management, I personally recommend that you accumulate spare money directly in the bank or directly buy treasury bonds, because such a risk type is smaller, although the return is relatively low, but you can make yourself more bottom, but if you choose to buy financial management, or choose to buy real estate, then you must have a full and comprehensive understanding of the financial management and real estate purchased. At the same time, we should also do a variety of risk assessment and prediction, for the possible risks to have a certain tolerance, in financial management I personally think that eggs can not be put in the same basket, but also in financial management, we must restrain their inner impulse and blindness.

Personally, I suggest that you don't need to sell and choose to manage your wealth under Jingda.