What are the types of wealth management products for special fund accounts?

This should be good, but investment and financial management should be cautious, the more popular choice is Tencent QQ wealth management includes stable financial management, insurance financial management and index ** financial management, its risk and return profile is as follows:

Prudent financial management: including currency** and regular financial management, the possibility of loss is small, the income is relatively low, suitable for conservative investors.

Insurance and wealth management: It is a new type of wealth management product issued by insurance companies, which has a higher risk than currency**.

Index wealth management refers to the ** product operated by the ** company and tracked by a specific index, usually "the index rises, the index falls", which has greater risks and more returns.

Indices** are high-risk products and there is a possibility of loss in investment. ** products operated by ** companies and tracked by a specific index are usually "the index rises, and the index falls".

If you want to purchase CMB wealth management products, you can log in to mobile banking and click "Wealth Management" - "Wealth Management Products" at the bottom of the page to view the products currently on sale; You can also click search on the page and enter the product** or name to view. For product details, please select the corresponding wealth management product and click "Product Introduction" to view. Generally, from 50,000 yuan, some products can be redeemed in advance after purchase, and some products are directly transferred to your current account after expiration.

**The starting point is relatively low, there are many classifications, according to personal risk tolerance, you can choose different types**, if you buy through China Merchants Bank**, the first purchase**, you need to go to any branch of our bank (domestic) to handle the risk assessment, or through the mobile banking purchase** and the first risk assessment; It is necessary to open the corresponding registration agency.

Log in to the mobile banking, click "My" - "All" - "**", view the "**list" and click on the product you want to enter the purchase interface. (November 30, 2016**After the system upgrade, you don't need to transfer to the wealth management account, you can purchase it in a current account**).

Except for the system clearing from 15:00 to 16:00 on the trading day, ** orders can be made at the rest of the time.

**Wealth management products are:

1.Currency**.

To put it simply, all monetary assets are invested in short-term currency market instruments, such as bank certificates of deposit.

and other risk-free or low-risk assets. So the risk of this kind of ** is the lowest of all**, or 0 risk. And there is no need to pay a handling fee for buying and redeeming such **, and many of them can be received immediately after redemption.

2.Bond**.

Some people say that bonds are more difficult to operate, and more than 80% of assets are invested in various types of bonds, such as corporate bonds.

financial bonds, etc. Bond type ** is further divided into pure debt type** and partial debt type** (or called secondary debt base). The assets of pure debt** are only invested in bonds + bank deposits, so the risk is lower and the return is also lower, generally around 5%-10%;

3.**Type**.

More than % of assets are invested. This kind of ** is actually you pay for the **manager.

Help you**. Since it is "**", then the return is also high, and the annualized return of more than 15% is not a big problem, and it may be higher in the current market environment. However, this kind of ** is also risky.

The return of the stock base is also uneven, with the high one likely to exceed 100% and the low one to lose money.

4.Hybrid**.

Hybrid refers to the fact that assets are invested in both bonds, bonds, and money market instruments, but the ratio of investment to bond investment can be flexibly grasped. To put it simply, the manager may invest more if he sees the current situation as good as he sees in order to obtain higher returns; **No, invest in more bonds to isolate risks.

Or some mixed managers are actively increasing their investment in a bull market, and they can completely abandon their investment in a bear market. The annualized return of mixed ** is about 15% or more, and the income is also ****.

and bonds**.

In a strict sense, financial products are not equal to the first, financial products and financial products are a way of personal investment and financial management, financial management is very extensive, of which ** is only one of the financial management.

According to the risk level, bank wealth management products can be divided into five types: prudent products (R1), stable products (R2), balanced products (R3), aggressive products (R4) and aggressive products (R5).

When investors buy bank wealth management products, they can check the risk level on the wealth management products, as well as the details, if the wealth management is marked with R1-R5 risk level, then it is not **, it is a bank wealth management product.

Extended information: Bank wealth management products are capital investment and management plans developed and designed by commercial banks for specific target customer groups on the basis of analysis and research on potential target customer groups.

In the investment method of wealth management products, the bank only accepts the authorization of the customer to manage the funds, and the investment income and risk are borne by the customer or the customer and the bank in accordance with the agreed method.

The main species. Currency.

According to different currencies, there are two types of wealth management products: RMB wealth management products and foreign currency wealth management products.

1.RMB wealth management products.

Bank RMB wealth management refers to a low-risk wealth management product issued by banks to individual customers and pay the principal and income to customers at maturity with the investment income of high-credit rating RMB bonds (including treasury bonds, financial bonds, central bank bills, other bonds, etc.) as the guarantee.

High yield and strong security are the main characteristics of RMB wealth management. The RMB wealth management products launched by banks can be broadly divided into two categories.

1) Traditional products mainly include **, bonds, finance**, etc., such products have low risk and definite returns, and the general return is about 3%.

2) RMB structured deposits: These products are linked to the exchange rate, which is not much different from similar products in foreign currencies in nature, and the risk is slightly higher than that of traditional products.

2.Foreign currency wealth management products.

1) On March 17, 2008, China Everbright Bank launched a high-yield foreign currency wealth management plan product, in which the expected annual rate of return of the one-year fixed income product in US dollar is;

HKD one-year fixed income products with an expected annual rate of return; The expected annual yield of US dollar fixed income products is attractive compared to the yield on bank deposits.

2) ABN AMRO has launched two new wealth management products: "Multi-Currency Index" linked structured deposits and "Basket of Strong Currencies" linked structured deposits.

3) "Huiying No. 3" HKD 3-month wealth management product launched by China Merchants Bank with "Golden Sunflower" peace of mind return, with an expected annual rate of return.

4) Since the launch of CEB's Plan T wealth management product, which guarantees principal and returns, it has been sought after by the market, and the terms of the products launched range from eight days, one month, two months to four months, and the expected annual rate of return has reached and respectively.

First, the three are the same.

1. The target customers of special account wealth management and private placement are all large customers with strong funds, and the threshold is basically the same. At present, the minimum subscription amount for private placement** in the market is 1 million yuan. Similarly, the "one-to-many" draft pointed out that the minimum threshold for a single investor in the company's special account wealth management has plummeted from 50 million to 1 million.

2. The cost is about the same. Private placement** expressly stipulates that customers need to pay a subscription fee of about 1% when subscribing to trust products; The special account wealth management is to stipulate that the company can charge a fixed management fee of not less than 60% of the same type of investment rate from the wealth management business. At present, the management fee of **type** is, 60% means that the fixed rate of special account wealth management is less than 1%.

The two are very similar.

3. There is no ** limit for either. For special account wealth management, it can be from 0% to 100%, and there is no need to stick to the minimum 60% of the public offering, which greatly avoids systemic risks like last year, and this is also an important reason for the good performance of private equity.

2. Three major differencesStrictly speaking, although the similarity between "one-to-many" special accounts and private placements is very high, there are still certain differences, mainly in the following aspects:

1. In terms of investment restrictions, "one-to-many" is still more than private placement. This will have an impact on the manager's actions. For example, the "one-to-many" special account business still retains the double ten restriction of public offering**, that is, the market value of a listed company** held by a single asset management plan does not exceed 10% of the net asset value of the plan, and all the entrusted assets of specific customers (including single client and multi-client specific asset management business) managed by the same asset manager are invested in ** issued by one company, and no more than 10% of the **.

The private placement allows Yinxiao to reach up to 30%, that is, it can hold 4 ** in a centralized manner. In addition to this explicit restriction, some of the best managers in private equity are concentrated in the industry, the transaction changes very frequently, and some other personal style preferences may also be restricted in the actual operation of "one-to-many".

2. The "one-to-many" performance commission is lower than that of private placement, and from the perspective of the product contract that has not yet been reported by the company, the withdrawal of some performance remuneration needs to reach 5%-10% of the basic rate of return before it can be withdrawn; Some performance remuneration withdrawals will not reach the upper limit of 20%, while the current performance commission fees of private placements are basically 20% for the new high.

3. Incentive and punishment mechanisms are different. "One-to-many" has performance remuneration rewarded to ** managers, which can provide excellent ** managers with performance-linked and higher incentives than public ** managers. However, compared with the vast majority of private equity managers who own the equity of private equity management companies or even absolutely control private equity management companies, the incentives that public offering "one-to-many" managers can obtain are only a share of the company's permitted scope after all, and it is difficult to get their hands on equity.

<> not, wealth management products are developed and designed by the issuer for specific groups and sold products, mainly investing in deposits, large certificates of deposit, bonds, foreign exchange, *** and other assets, wealth management does not guarantee the principal and income, can not be withdrawn in advance, and the liquidity is poor.

A fixed deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit, and withdraw the principal and interest after maturity.

No, at present, wealth management is not a principal-guaranteed product, there is a possibility of loss of principal, the loss of principal needs to be borne by the investor, if the investor's risk tolerance is low, then you can choose the risk level of R2 and below the financial products, if the investor can not bear the risk of losing the principal, then you can choose a fixed deposit for investment.

When the product risk is low, the corresponding return is relatively low, and when the product risk is high, the corresponding return is also relatively high, and investors can choose the right product according to their own situation.

Bank wealth management is a product issued by a bank, mainly investing in the money market, bond market, ** market, foreign exchange market, etc. Wealth management is a fixed income product.

It is issued by a company, and the assets are mainly invested in the money market, bond market, market, etc., which is a product of revenue sharing and risk sharing, and a floating income product.

A fixed deposit is a deposit in which the bank and the depositor agree on the term and interest rate in advance at the time of deposit, and pay the interest and principal in a lump sum after maturity, and the interest rate of the fixed deposit fluctuates according to the benchmark interest rate of the People's Bank of China.