Is it true that the bank s wealth management income will be lost?

The rate of return on bank wealth management is generally simple interest and the "expected annualized rate of return". Actual return = principal * annualized rate of return 365 days * actual number of days of the product; If it is a net-worth product, the maturity income = net value on the redemption date * redemption share * (1 - redemption fee).

You can also pay attention to the "bank smart deposit" product of small and medium-sized banks, according to the deposit insurance protection system, 100% compensation within 50w. There are some current and fixed bank deposit products on the Du Xiaoman Wealth Management APP (formerly wealth management) platform, such as the current product "Sanxiang Bank Demand", which can withdraw the income in advance, deposit and withdraw at any time, interest from the same day, no restriction on holidays, withdrawal on any natural day, real-time arrival on the same day, no trading day limit, no limit limit; For example, the term bank deposit product "Revitalization Smart Deposit" has a maturity rate of return.

orPay attention to "Du Xiaoman Technology Service Account (duxiaomanlicai)" for detailed product information. Investment is risky, and financial management needs to be cautious!

Are bank wealth management products reliable?

Bank wealth management is going to change, the risk level is divided into 6 levels, and the highest aggressive type clearly indicates that it may lose all the principal, so it is necessary to choose carefully.

If you are purchasing a wealth management product through China Merchants Bank, you can check the expected annualized rate of return through the product manual.

The formula for calculating the yield to maturity of wealth management products is: principal * number of days * annualized rate of return 365 days.

The personal wealth management products offered by our bank generally do not guarantee the principal, nor do they guarantee the income, and the income and principal may be lost due to market changes, so it is recommended that you choose a product that is suitable for your risk tolerance for investment.

Can you still invest? The yield of bank wealth management products has fallen for 15 consecutive years, how to save money to make more money?

Any financial management has risks, must be viewed rationally, the bank's wealth management products are no exception, generally speaking, bank wealth management is relatively safe, the specific risk depends on the type of product. The main risks faced by banks' wealth management products include market risk, credit risk, liquidity risk, inflation risk, operation and management risk and force majeure risk.

Bank wealth management: According to the requirements of the new asset management regulations, wealth management products cannot guarantee principal and interest, including bank wealth management products. Of course, not promising to guarantee principal and interest does not mean that wealth management products have great "risk", nor does it mean that bank wealth management is unreliable or "risky", mainly depending on the risk level of the asset target invested behind the product.

Therefore, theoretically, bank financial management cannot be said to be absolutely safe, and there is a possibility of loss.

You can pay attention to the smart deposit products of small and medium-sized banks and enjoy the protection of deposit insurance (according to the "Deposit Insurance Law": individuals can enjoy 100% compensation for ordinary deposits within 500,000 yuan in a single bank). The "interest rate" is about 4%, which has the advantages of high liquidity (can be withdrawn in advance) and the interest rate is higher than that of general deposits.

Or pay attention to "Du Xiaoman Technology Service Account (duxiaomanlicai)" for detailed product information. Investment is risky, and financial management needs to be cautious!

No matter what financial products you do, you will not say that there is no risk 100%, even if it is bank savings, in case the bank fails, but you will also say that this is basically impossible to happen, so you can only say that the product is relatively risky, or that his loss is a small probability event, such as bank savings.

But now the interest rate on bank term savings is low, and it basically can't beat inflation. Therefore, in order to avoid the shrinkage of assets, it is very necessary to make some financial products with slightly higher returns. You should be relatively conservative.

At present, the bank's fiduciary wealth management, treasury bonds, bonds**, and currency** are more suitable for you. The risk of Chinese bonds and currency** is not much higher than that of time deposits, and of course, the return is lower than that of entrusted wealth management and bonds**, which is basically only higher than time deposits. The bank's entrusted wealth management, according to China Merchants Bank, can be higher than the 5-year fixed deposit interest rate, which is operated by the bank using its own capital pool, and the risk is linked to the bank's reputation.

Finally, there is the bond type**, which has the highest expected return, and is a product launched by the bank to combine bonds (treasury bonds, corporate bonds, etc.), which can be bought in order to increase income.

Wealth management products of banks are also risky and can also lose money. There are many types of CCB wealth management products:

1. **: There is a possibility of loss of principal;

2. Bancassurance products: it is not recommended to buy, and the principal will not be lost, but the return at maturity is very low;

3. Ordinary wealth management products: the minimum purchase amount is 5W, the risk level is R1-R3, the expected return is 5-6%, the risk is very small, and the expected return can be achieved at basic maturity;

4. Trust products: the minimum purchase amount is 100-300w, the expected income is more than 10%, the risk is relatively large, and there is the possibility of losing the principal.

Wealth management in a bank is different from deposits. It does not promise capital preservation and returns, and there are expected returns and floating returns. When you buy wealth management, you can do a risk assessment, test that you are a stable and aggressive investor, and choose an investment that suits you.

High returns often come with high risks. The landlord should be a stable type, because he is worried about whether he will lose money. It is safe to choose both PR1 and PR2 levels.

History is 100% cashed. It is understandable that it is just a fight against inflation. Hope, thank you.

I have bought bank wealth management products, and I have not lost the principal and estimated interest for the time being, and the characteristics of wealth management products are the coexistence of risk and return! In fact, any investment is risky, even the simplest bank deposit has not been able to beat the price **, resulting in the risk of negative interest rates, I personally think: part of the risk comes from the financial products you choose, a larger part comes from your understanding of this product, if you don't know enough, the risk of the market is big for you!

Wealth management products are inherently risky. So what kind of financial management do you buy. The level of risk is not the same.

The greater the profit, the greater the risk. Conservative wealth management products generally do not damage the principal, but the interest may be lost. It's hard to talk about high-risk financial management.

Certificates of Deposit (CDs) do not have this risk. It's just that the interest rate is slightly lower.

Banking is divided into savings and investments. Savings must be principal-protected, the interest is relatively low, current, fixed, and currency** are basically principal-protected. **Regular investment** and other bank wealth management products will fluctuate, may make money or lose money, so the bank's wealth management is not necessarily not lost, you have to ask whether this wealth management product is principal-guaranteed or investment.

Generally not, don't look at what he wrote, it's scary, I haven't lost it for ten years.

A deposit of 50,000 yuan, no more and no less, but it is still a large amount of money for ordinary people, so it is not suitable to invest in products with high risks.

So what are the options with a lower risk factor? For example, banks, babies, and P2P can still be invested, but if you invest in P2P, the income will be higher, as for security, as long as you choose a better big platform, you can still do it, like the top ten platforms in the industry, you can choose one or two investments to see.

The higher the risk, the higher the rate of return, if you pursue the stability of capital protection, buy the 1R category, but it is recommended that you try the 2R level of financial products.

After the implementation of the new regulations on asset management, bank wealth management products are theoretically no longer guaranteed principal and interest. In fact, you have a better choice, 5 compound interest, worry-free principal and interest, and give the future a long-term cash flow.

In the past 3 months, several products of ICBC Wealth Management, a subsidiary of ICBC, have lost money, and the net value is the highest in February, and then it suddenly declined, and it has not rebounded until now, that is, it has been losing money, and I don't know when I can make a profit, so I want to give up.

Now it's all self-financing.

It depends on which one you buy, there is a principal-guaranteed type, a risky type, and a risky type but there is a great chance of principal-guaranteed, cautious, I personally accept the third type at most, and my wife is a silly aunt who likes hegemony and follows the trend

Different wealth management products have different returns and different risks, which requires you to choose the recognized financial products and have the ability to bear the benefits and risks. Anyway, investment is risky, and you need to be cautious when buying, which is an eternal investment principle.

After the implementation of the new asset management regulations, it is the general trend for wealth management products to change from principal-guaranteed to non-principal-protected floating or net-worth. Although the risk has risen to a certain extent, but generally speaking, it is still within the controllable range, and when customers buy wealth management products in the future, they should try to choose banks with strong financial management ability and larger scale to purchase, so that they can effectively avoid risks!

Are bank wealth management products reliable?

Financial management is risky, and investment needs to be cautious.

Now that I don't promise to protect my capital, I need to keep my eyes open and make a careful choice.

NBA spit conference Kobe Bryant's expression is too rich, and the motionless Wei Shao is not P up [DOGE].

Any investment and financial management has certain risks. It's just that there are big and small risks, and there is no guaranteed profit or loss. It is necessary to look at the investment direction and proportion of wealth management products.

Usually currency**, bond products are more secure. This kind of capital is generally used for interbank lending, or national infrastructure financing. It is relatively stable, but the returns are not too high.

If you are more aggressive, the funds will be used to invest in the first ****, and the return will be high, but the risk will be relatively large. Because the volatility of ** will be much greater than that of currency**. If you are risk-sensitive and cannot accept the loss of funds, it is recommended to buy principal-guaranteed wealth management products, or relatively low returns in currencies**, bond wealth management products.

This is relatively safe.

Investments need to be cautious and generally not a big problem.

The bank loses money and loses money, and the lost money is not earned by a certain individual. Bank wealth management is a kind of asset management business, and banks will invest customers' funds to obtain higher returns, but also face investment risks. If there is a loss in the assets invested by the bank, resulting in the net value of the wealth management product**, the customer's investment principal will also be affected, resulting in a loss.

In the process, both banks and investors are likely to incur certain losses. If the bank's own funds are used for investment in wealth management products, the bank itself will also bear certain losses. If the investment funds of the wealth management product are provided by the customer, then the customer will directly bear the loss.

It should be noted that the investment risk of bank wealth management products exists, and investors need to understand the risk-return characteristics of the products before purchasing wealth management products and make reasonable investment decisions according to their own risk tolerance. At the same time, it is also necessary to choose a formal banking institution for investment to avoid investment losses caused by some bad institutions or non-standard operations.

The investment risks of bank wealth management products mainly include market risk, credit risk, liquidity risk, etc. Market risk refers to the investment risk caused by market fluctuations, such as bonds, markets, etc.; Credit risk refers to the investment risk arising from the default or creditworthiness of the issuer of a bond or other credit instrument; Liquidity risk refers to the investment risk caused by insufficient market liquidity or the inability of a counterparty to perform on time.

The income of bank wealth management products is also affected by a variety of factors, such as market interest rates, inflation rates, monetary policy, assets**, etc. Investors need to consider these factors when purchasing wealth management products, and make reasonable choices based on their own risk tolerance, investment objectives and maturity.

In short, as an investment tool, bank wealth management products have certain characteristics of investment and return with capital. Investors need to understand the basic information and risk-return characteristics of the product, make reasonable investment decisions according to their actual needs and risk tolerance, and choose formal banking institutions for investment to reduce investment risks.

Personally, I don't think it's reliable. Let's start with a story.

Xiaoru, a post-88 girl, her parents handed over 1 million yuan in cash to her to help with financial management, and now there is a floating loss in bank financial management, especially in the recent past nearly 400 bank wealth management products. Xiaoru saw on the mobile bank that this bank has pension wealth management products, with a term of 6 years, a fixed opening of two years, and the benchmark range of the first phase of performance. Consult the bank's wealth manager, and the bank's wealth manager replied:

This is a new product launched by the bank's wealth management subsidiary, the style is stable, the risk coefficient is not high, if the elderly have spare money, they can be used for pension allocation. ”

Xiaoru is puzzled that since last year, various banks have launched pension wealth management products, and attracted some elderly investors to buy them with an investment period of three to six years and an expected rate of return of 4%-6%. Do bank pension wealth management products really meet the requirements of Hengdan pension? Can it really be used as a retirement investment?

Is a 4%-6% earnings expectation worth buying?

First, at present, the layout of pension financial products is mainly to share the dividends of the financial market in the aging society

Second, pension wealth management products are still financial products, not savings products, which must be clear

3. What is the essential difference between pension wealth management products and ordinary bank low-risk wealth management products? Is it really suitable for pension financial management?

Fourth, from the current situation of pension financial products, the development of our pension financial products still has a long way to go.

Under the premise that wealth management products are no longer guaranteed principal and interest, and there may be risks, pension financial management has a very large space. However, if there is no more relaxed pension management, the property shed disturbance still can't get out, and it's just a nominal status quo.