I applied for fund wealth management at the Agricultural Bank of China in April this year, and the b

**Financial management and other investments are like this, now the service staff of these banks are performance all day long,**and professional ethics, are carried away by the goal and immediate interests, since they chose to buy it at the time**Don't care about the gains and losses, when you buy an experience, it's worth it. I'm in the export business.

Verbal promises are useless, and besides: ** financial management is only expected returns, it is impossible to say that it is capital guaranteed, and it will not obviously promise the rate of return. At that time, it must have been the account manager who fooled you for the sake of performance, so let's have more eyes in the future, we are all sheep, understand?

When signing a contract, be sure to pay attention to whether it contains previously agreed terms. Many sales and consultants of financial institutions will make some over-the-top promises for their own performance, etc., so they must carefully study the description of specific products, and pay attention to whether there are any changes in important numbers and concepts when signing contracts. In this case, if you do not have sufficient evidence to prove that the bank has made a promise, there is no way.

It is recommended to find a third-party financial institution next time, they will be more responsible for customers, and personal funds will be safer. If you have any questions, please feel free to contact me by email. I am an independent financial advisor and I hope I can help you with my expertise.

**Financial management is inherently risky

I would like to say that the fixed income products of the four major banks are actually very average, and I recommend that you go to the small banks to have a look, and recommend two banks that have done a very good job in financial management, and their fixed income products are doing very well. (That's what you want).

Usually in CITIC and Everbright 100w of funds, the fixed interest rate for a year is about 1 million, the consciousness is 1 million, the interest is 10,000 for a year, and if you really come across a good product, the interest rate will sometimes reach 5% a year.

This kind of interest rate, I'm sure the big banks don't have it. The interest rates of the big banks are generally lower than those of the small banks, and the interest rates of the small banks are higher because they raise them in order to attract customers.

Therefore, I think you should consult other small banks and other financial products such as personal understanding of the fixed guaranteed principal and guaranteed interest among the products, which are currently the highest are Everbright, CITIC, and IB. Universal throughout the year.

The following are the 2 RMB principal-guaranteed wealth management products currently on sale in the Agricultural Bank of China, which I recommend. Positions vary from place to place, and some places may have been sold out, and the actual sales department shall prevail.

"Golden Key, Peace of Mind" 2014 No. 1227 RMB Wealth Management Product Subscription Start Date:

Subscription End Date:

Investment period: 114 days.

Distribution area: Nationwide.

Expected annualized rate of return:

"Golden Key, Peace of Mind" 2014 No. 1226 RMB Wealth Management Product Subscription Start Date:

Subscription End Date:

Investment period: 75 days.

Distribution area: Nationwide.

Expected annualized rate of return:

At present, the bank's principal-guaranteed wealth management interest rate is relatively low, it is recommended that you use Yue Bao or Wealth Management Connect, the current 7-day annualized rate of return is around!

If you haven't done it before, try it with 50,000 yuan first, choose a capital guaranteed financial management, with a shorter term, and when it expires, you will get the income, and then try to do other high-income ones with more money. Financial management also has to come step by step, not a fat man in one bite.

Principal-protected.

Key? Ben Li & Fung "wealth management products" refers to the capital guaranteed wealth management products with higher returns that are independently initiated by the Agricultural Bank of China and supported by the financial assets invested by the Agricultural Bank of China in the inter-bank bond market, high-quality enterprise trust financing projects and money market, and are suitable for investors with conservative, cautious, prudent, aggressive and aggressive risk tolerance, and can be subscribed by investors with or without investment experience (excluding financial institution customers). The starting subscription amount for individual customers is RMB 50,000, and the part of the annual investment rate of wealth management funds exceeding the expected rate of return and custody rate of the product will be used as the investment management fee of Agricultural Bank of China at an integer multiple of 10,000 yuan.

If the investment rate of return of wealth management funds is less than or equal to the sum of the expected rate of return of the product and the custody fee, the investment management fee is 0; If the investment rate of return of wealth management funds is greater than the sum of the expected rate of return of the product and the custody rate, the investment management fee = wealth management funds (the return on investment of wealth management funds - the actual number of days of wealth management of the expected rate of return of the product 365 The investment type is portfolio investment.

The investment currency is RMB.

The type of capital protection is capital protection, and the income type is fixed. Real rate of return.

No, it should be divided by the actual number of financial days.

365 days ,。。

If you need to know more about the wealth management products of the Agricultural Bank of China, you can log on to the official website of the Agricultural Bank of China and click on "Personal Service - Investment and Wealth Management - Bank Wealth Management - Product Quick Screening" according to the query conditions.

ABC has many types of wealth management products, such as Ben Li & Fung series products. For details, you can log on to the official website of the Agricultural Bank of China and inquire about the information of issuing wealth management products under the investment and wealth management column, and select suitable products.

The Agricultural Bank of China's "Golden Key Principal and Li & Fung" wealth management product is a principal-guaranteed wealth management product, which refers to the capital guaranteed wealth management product with higher returns that is independently initiated by the Agricultural Bank of China and supported by the Agricultural Bank's investment in the inter-bank bond market, high-quality enterprise trust financing projects and financial assets in the money market.

Agricultural Bank of China's principal-protected asset management level is suitable for investors with conservative, cautious, prudent, aggressive, aggressive and aggressive risk tolerance, and investors with or without investment experience can subscribe (excluding financial institution customers).

The part of the investment rate of return of wealth management funds that exceeds the expected rate of return and custody fee rate of the product will be regarded as the investment management fee of Agricultural Bank of China. If the investment rate of return of wealth management funds is less than or equal to the sum of the expected rate of return of the product and the custody fee, the investment management fee is 0;

If the investment rate of return of wealth management funds is greater than the sum of the expected rate of return of the product and the custody rate, the investment management fee = wealth management funds (the rate of return on investment of wealth management funds - the actual number of days of wealth management of the expected rate of return of the product 365 The investment type is portfolio investment, the investment currency is RMB, the capital protection type is capital protection, and the income type is fixed.

Investment is risky, and there are many uncertainties and risks in the investment market, so the wealth management products we buy are all risky, but the risk level is high and low. Wealth management products are mainly exposed to redemption risks, policy risks, man-made risks and force majeure risks. In addition, force majeure factors such as natural disasters and wars may also seriously affect the normal operation of wealth management products.

Bank wealth management has capital protection, and the one with relatively low returns is basically principal protection!

Banks sell principal-protected wealth management products, and when you buy them, pay attention to the fact that some bank employees sell those that are not principal-protected in order to complete the task, and in the end the customer loses money, which is very troublesome.

It is recommended that you can also go to the **company to see the wealth management products, many currencies** are also risk-free, the income is similar to the bank's wealth management products, and it is also current financial management.