Is fixed income wealth management risky, and will fixed income wealth management products lose money

Fixed income products are relatively low-risk, and some can even be negligible. But it should be noted that the risk is low, not without risk. For investment and wealth management products.

None of them are risk-free, and you can check the instructions of wealth management products for details.

If you have investment needs, Ping An Bank.

There are 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 Banking APP-Finance-Wealth Management to learn more about 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 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.

If you pinch your fingers, there are really fewer and fewer financial products that can be called fixed income. When someone tells you that a financial product has a high return and can also guarantee the principal and income, you will have to have more eyes, and it is really likely to be a **.

Note that the fixed income products I am talking about here do not mean that the yield is fixed, but that the underlying assets of the investment are fixed-income bonds or bonds, but the yield of the product itself will fluctuate slightly or there is a certain risk of default.

However, in general, the risk of fixed income products is relatively low, and there is a high probability that they will get a relatively stable income.

Specifically, Ping An Bank can choose from the following types of fixed-income wealth management products:

1. Structured deposits. Generally, it is linked to the stock index, exchange rate or **, and the minimum return is guaranteed, but there is a high probability that you can get a mid-range return, which is included in the deposit insurance system, with less income fluctuation and higher cost performance.

2. Expected income type old financial management. Non-principal-guaranteed floating income, using the capital pool model, can basically calculate and pay interest on a performance comparison basis, but the income will be lower and lower, and this product will completely disappear after the end of the transition period of the new asset management regulations.

3. Net worth new wealth management. This kind of financial management like ** will be the direction of development in the future. The weighting of ** and bonds in each product is different, and the risk is also different.

Note: Not only debt-only wealth management products have the lowest risk, but stock-bond portfolio products are more able to hedge risks.

4. Annuity insurance. Although it is insurance, the investment and savings attribute of annuity insurance is stronger, due to the compound interest function of the universal account, the longer the holding time, the higher the return, which can resist the risk of declining market interest rates, and has the function of transaction allocation and risk isolation.

5. Non-standardized financing trusts. It mainly invests in consumer finance, real estate, first-class financing platforms and other directions, strictly screens financing parties, and adopts a variety of risk control measures. Although the rigid payment has been broken, the risk of trust products screened by Ping An Bank is very low, and the annualized return of most products is between 5% and 7%.

6. Standardized bond trusts. Mainly invested in treasury bonds and financial bonds, the main risk is the risk of yield fluctuations, the main income ** is the spread income and interest income of bonds, the proportion of investment in different products is different, but it does not exceed 20%, and most of the current annualized returns are between 4% and 8%.

For more information on the features of each product and the products on sale, please contact Flash.

It is possible that fixed income wealth management products are not principal-guaranteed products, there is a possibility of loss of principal, and investors need to bear the loss of principal, and fixed deposits are principal-protected, if investors cannot bear the risk, they can choose time deposits for investment.

At present, there are 5 risk levels of wealth management, the risk from small to large is R1-R5, the greater the risk level, the greater the probability of losing the principal, if the risk tolerance is lower investors, you can choose the risk level of R2 and below the financial products, if the risk tolerance of investors is higher, you can choose the risk level of R3 and above of the financial products.

There are risks in financial management, and you need to be cautious in investment!

To invest in a wealth management product, it depends on whether the company is reliable and whether the product conforms to the investment logic.

Make a decision based on returns, risks and liquidity!

Fixed income products are a term for wealth management, which refers to the fixed interest rate of the wealth management products issued, with the purpose of avoiding interest rate and exchange rate risks, and is a means to increase the control of economic instability and control risks.

Fixed income investments are pre-regulated.

Investment income is generally expressed as a percentage and is paid on a regular basis, with the income unchanged throughout the investment period. Most bonds and preferred shares have a fixed return.

The main features of fixed income investment vehicles are:

The payoff is fixed;

Less risky; High security;

It's easier to monetize;

The repayment period is fixed.

Fixed income trust products refer to trust products issued by trust companies with fixed rates of return and term. The financier raises funds from investors through the trust company, and guarantees the return of the principal and income at maturity by mortgaging (pledging) assets (equity) to the trust company and third-party guarantees.

The features of fixed income products are:

Fixed income, guaranteed principal and interest, clear operation period (generally one to two years), usually through asset mortgage, equity pledge, guarantee company, personal joint and several liability guarantee to ensure the safety of funds, high security. In addition, the threshold is higher, generally more than 1 million yuan. According to the provisions of the Trust Law, the number of natural persons with a subscription amount of less than 3 million yuan (exclusive) shall not exceed 50.

Take the 5-year-old financial management platform Unbounded Wealth as an exampleIf your principal is 10,000 yuan, your interest will be 10,000 yuan after 90 days, and the principal and interest will reach your depository bank account after maturity. The return of fixed income wealth management products is known and determined before you invest.

The income of wealth management products such as Yu'e Bao (currency**) is only the expected return, and the interest rate of the day cannot represent the future interest rate, and can only be used as a reference. This is the difference between fixed income wealth management products and floating income wealth management products.

To add the novice registration tips of Unbounded Wealth, the direct registration is only 100 yuan novice red envelope, and it is passedIf you register on the event page, you can also receive an additional 500 yuan JD card。The event page has also been found for you: click to go to the event page.

"Fixed income" means that the return is fixed, for example, the expected return of a product is actually the same as the maturity. However, not all fixed-income wealth management products have guaranteed principal and income. It simply means that the expected benefits can be obtained without accidents.

On the contrary, if there is an accident in the invested assets, the investor will bear the investment risk, and the principal and income may be damaged.

Generally speaking, there are currently the following types of fixed-income wealth management products:

Bank wealth management: In China, banks are state-owned, and there is a high level of security, so the risk basically does not exist;

Currency**: This type of ** has the advantage of very low risk and high liquidity. Investors can invest working capital or short-term idle funds in monetary funds to obtain short-term income to make up for losses in interest and other aspects;

P2P financial management: The key is to choose the right platform. Taking OK Loan's wealth management products as an example, the fixed annualized income is 12%-18%, 100% principal and interest protection and stable income.

Bank wealth management products: Not all bank wealth management products are low-risk. Bond-type bank wealth management products have low risks because they mainly invest in the money market, including short-term treasury bonds, financial bonds, central bank bills, etc.

Fixed income wealth management products.

The main service includes demand deposits and time deposits.

Certificates of Deposit (CDs) and certificates of deposit (CDs) in the interbank sector.

Are fixed income wealth management products safe?

From the perspective of the platform, as long as it is a regular platform to buy fixed income financial products, then it is safe, when choosing a platform, try to choose a well-known one, for example: a certain bank platform financial management, bank financial security is still relatively high, more reliable.

However, from the perspective of the financial products themselves, it is not that they are not safe, but that financial management is risky, and there is no guarantee that financial management will not lose to the principal.

Are fixed income wealth management products risky?

The general risk of fixed-income wealth management products is not large, compared with ** and **type**.

Hybrid**, etc., but when investing, you should also pay attention to its risk, small risk does not mean that there is no risk, there is the possibility of loss, when buying, you should consider from your own ability to bear risks.

When choosing fixed-income wealth management products, you can refer to the past performance, generally speaking, try to choose a little better past performance, although the past performance does not represent the future, but there will be a certain reference, and secondly, when investing in fixed income financial products, it is also more important to see what the scope of investment is.

Fixed income products often mean low risk and low return, the volatility of the product is very low, the type of guaranteed assets, if there is no external shock and systemic risk, fixed income products have stable returns, and the fixed income products in bank wealth management have a long time period and relatively high fixed interest income.

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.

Fixed income wealth management refers to investment in fixed income assets such as bank fixed deposits, agreement deposits, treasury bonds, financial bonds, corporate bonds, convertible bonds, and bonds**.

We can understand the meaning of "fixed income" according to the characteristics of financial products such as bank fixed deposits and treasury bills.