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Anonymous users2024-02-06There is no such thing as the best financial product, only the best one for you.
Whether your financial management purpose is risk-averse or profit-maximizing determines that the choice of financial products varies widely.
Identify the risks of wealth management products.
1.See whether the wealth management product is principal-protected.
If the wealth management product is principal-guaranteed or guaranteed income, then at least the principal invested by the investor will not be lost when the product matures. However, some wealth management products are conditional on capital protection, and set up a maturity capital protection clause, that is, hold the product until maturity to protect the principal, so if investors redeem it halfway, the product will still not protect the principal. There are also some wealth management products that are only partially principal-protected, such as setting 95% principal protection, and the principal will be lost by up to 5%.
2.Look at the type of income of wealth management products.
That is, it depends on whether the wealth management product is fixed income or floating income. Fixed income wealth management products have low risk and a greater grasp of the expected rate of return, and can basically achieve the expected rate of return. Floating income wealth management products should be analyzed in combination with whether the capital is protected
If it is a principal-protected or guaranteed income wealth management product, the worst case at maturity is zero or low return, and the best case is to achieve the expected maximum rate of return, and the overall yield to maturity fluctuates within a range; For non-principal-protected floating income wealth management products, there is no upper limit on income and no lower limit on losses. It should be noted here that wealth management products that invest in credit assets are special as non-principal-guaranteed floating income wealth management products. Wealth management products that invest in credit assets are equivalent to issuing loans, and the range of loan interest rate increases or decreases has been formulated at the time of product establishment, so such wealth management products will either achieve the expected rate of return (the range of ups and downs is very small) at maturity, or lose the investment principal and income due to the failure of the loan.
3.Look at the investment target.
That is, it depends on whether the product is invested in bonds, credit assets, or ****, or a "hodgepodge" portfolio investment. If the product is invested in bonds, it is a fixed-income wealth management product, and the degree of risk depends on the level of investment in bonds, and the overall risk is small; If it invests in credit assets, it depends on the borrower's ability to repay, and enterprises with greater operational uncertainty are also more likely to repay the principal and interest of the loan, and the risk of wealth management products is relatively high, and vice versa is low; If it is invested in ****, the product is risky.
4.Look at the risk control measures.
If a wealth management product is set up with effective risk control measures, it is equivalent to laying a safety cushion for itself and reducing product risks. For example, whether the wealth management products invested in credit assets are guaranteed by a powerful institution, or repurchased by a powerful institution at maturity; Whether the wealth management products invested in ** have set a stop-loss clause, etc.
5.Look at the liquidity arrangement.
If the product can be redeemed before maturity, investors can choose whether to redeem it in advance when they have capital scheduling needs or when the capital market changes, and the liquidity risk is relatively small. If the product indicates that it cannot be redeemed in advance, then investors can only obtain the principal and income until the maturity of the product, and there is nothing they can do if there is a lack of funds or they want to recover the investment in the event of market changes.
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Anonymous users2024-02-05It's in the bank, and the rest is not insured.
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