How to go to the bank to make a deposit, whether it is an ordinary deposit or a wealth management pr

How to go to the bank to make a deposit, whether it is an ordinary deposit or a wealth management product? How? How to go to the bank deposit are ordinary deposits or wealth management products, wealth management products have high interest rates, ordinary deposit interest rates are low, in the same time the interest rate of wealth management products is higher than the interest rate of ordinary deposits, ordinary deposits have demand and time, bank staff want to give you deposit certificates, wealth management products only have regular how many days or months, wealth management products have risks and ordinary deposits have no risks, but some private banks or joint venture banks are not easy to say.

If you want to buy wealth management products, you need to have risk assessment and financial management, and you need to have product manuals to buy wealth management products. When you sign, you need to read it clearly before you sign.

This is very easy to distinguish, if you go to make a deposit, people give you a certificate of deposit or a card, then you are dealing with ordinary time or current savings. If someone will ask you to sign some relevant documents and also tell you that the income is floating, then it must be a wealth management product.

Deposits are generally guaranteed to protect the principal and income or the principal, the investment starting point is low, generally from 50 yuan, the interest rate is lower than the bank wealth management, you can withdraw in advance, and the deposit contract will indicate that it is a time deposit.

Bank wealth management is not a product that guarantees principal and income, the investment starting point is higher, generally from 10,000 yuan or 50,000 yuan, the interest rate is higher than that of time deposits, and it cannot be withdrawn in advance.

The simplest is to make it clear when you buy that you want to deposit or manage your finances, if you operate it yourself, the specific product is marked, and you can consult the bank staff if you don't understand.

The interest rate of the deposit should refer to the national standard, and the product should be clearly stated.

The simple procedure is deposit, and the complicated procedure is financial management.

Whether the deposit is current or fixed, whether it is in the form of a passbook, deposit certificate or card, the procedures are relatively simple, basically a bookkeeping process, only a large amount of deposit receipts may have an agreement for you to sign, and the others do not need to sign any agreements and contracts, and the processing time is very fast.

To plan your property reasonably, financial products can be rationally chosen.

This is a very normal ordinary deposit, for example, the principal and interest we deposit in the bank are ordinary deposits, and the wealth management product is to buy ** investment in other companies.

How can it be distinguished from bank deposits as ordinary deposits and wealth management products? Tell you that you deposit directly into the bank, ignore their introduction, it is an ordinary deposit, and you listen to their introduction, to buy the products they introduce is financial management.

1) The definition is different:

A bank deposit is a sum of money that is deposited in a bank. It is an integral part of monetary funds. Wealth management products are a type of wealth management products designed and issued by commercial banks and formal financial institutions, in which the raised funds are invested in the relevant financial markets and purchased in accordance with the product contract, and the investment income is obtained, and then distributed to investors according to the contract.

2) Different kinds:

Bank RMB wealth management products can be broadly divided into bond, trust, linked and QDII. Bank deposit accounts are divided into basic deposit accounts, general deposit accounts, temporary deposit accounts and special deposit accounts. The basic deposit account refers to the account of the enterprise for daily transfer settlement and cash receipt and payment, and the deposit can be divided into three types: demand deposit, time deposit and savings deposit according to the time.

There is no certificate of deposit.

Certificates of deposit are generally only used for the bank's lump sum deposit and withdrawal, fixed and live savings business, and other bank wealth management businesses do not provide certificates of deposit, including bank wealth management, which also does not have deposit certificates.

If you have purchased a wealth management product at the bank.

The bank's wealth management products are generally divided into five types: prudent products (R1), stable products (R2), balanced products (R3), aggressive products (R4) and aggressive products (R5), and investors can choose suitable financial management according to their own needs.

Bank of China mobile banking does not need to open wealth management services, you can directly deposit time deposits, but the large-amount certificate of deposit business is a wealth management product, to deposit large-amount certificates of deposit, you need to open wealth management services, the rate of return is higher than the interest rate of ordinary time deposits, open the service, fill in the information and submit it in the mobile banking according to the required process.

BOC Mobile Banking Personal Internet Banking needs to open the investment and wealth management switch when handling large-value certificates of deposit, lump sum deposits and withdrawals, and call deposits under deposit management. You can open and close investment and wealth management through mobile banking-my-security and settings. Personal Internet Banking:

Under the personal settings menu, you can also turn off the investment and wealth management account.

Extended Information] Three taboos of fixed deposits.

The number one taboo for fixed deposits is not knowing the deposit interest rate. Many local small and medium-sized banks are more eager to have a sufficient amount of deposits, so the interest rate is higher than that of these large banks, and the one-year interest rate can be reached. Depositors should be aware of the deposit interest rate and choose a bank with a higher interest rate.

The second taboo is not to use all the funds for fixed deposits, but to be flexible. If the deposit is more than 200,000 yuan, you can choose a large-amount certificate of deposit, you can pay interest every month, and then you can get back the principal after selling at a loss at maturity, which is more flexible.

The third taboo is that you should ignore it after the deadline expires, and you should decide whether to take it out after the regular time is up. If you don't go to the bank to withdraw it, the bank will automatically handle it for you on a regular basis. If the interest rate is lowered, the bank will automatically help you with the fixed term, then you will lose money.

What is the difference between wealth management products and time deposits?

Wealth management products are a type of wealth management products designed and issued by commercial banks and formal financial institutions, and the raised funds are invested in the relevant financial markets and purchased in accordance with the product contract, and the investment income is obtained and distributed to investors according to the contract.

A deposit is a deposit of money or currency that the depositor temporarily transfers to a bank with the right to use it under the condition that the depositor retains ownership. It is the most important source of credit funds for banks. 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.

It has the characteristics of a minimum deposit period of 3 months and a maximum of 5 years, a large margin of choice, and a relatively stable interest income.

From the perspective of income, the return of fixed deposits is far lower than that of wealth management products, so the latter will be more and more loved by people, especially P2P. According to the analysis of Shanghai small wealth fans, more and more salaried people or investors are generally optimistic about financial products, and the development of this industry will be more rapid, of course, the necessary market competition is also essential.

Bank deposits are money stored in the bank, for example, there are current and fixed forms, and bank wealth management is asset management business, not deposits, bank wealth management products are very extensive, such as purchases, bonds, insurance, etc., which deposits are also included, so bank wealth management is equal to bank deposits? What's the difference?

Bank wealth management is not equal to bank deposits, bank wealth management products are very many, different wealth management products represent different risks and returns, such as:

1. Currency** is a low-risk, low-yield financial product, with a return of about 2% and 3%, and basically no loss of principal.

2. The return of the bond ** is slightly higher than that of the currency**, and its return is between 3% and 5%, and the risk is a little greater than that of the currency**.

3. Mixed ** This kind of income can not be determined, it is a high-risk, high-yield type, if you can make money when you are **, if you may lose the principal when you are **.

4. In addition, there are a variety of financial products such as bonds, foreign exchange, insurance, etc., each of which corresponds to different benefits and risks.

The above are all bank wealth management products, then bank deposits are in the form of demand and term, the income of demand is generally very low, only about right, and the bank term is to see how much you deposit, how long to save. For example, if you save for a year, the interest rate is 2%, and the average interest rate for 3 years and 5 years is between 3%.

Summary:Bank wealth management is not equal to bank deposits, bank deposits are money stored in the bank, and the products in bank wealth management are very extensive, such as purchases, bonds, insurance, etc., of which deposits are also included, different products correspond to different benefits and risks.

Bank wealth management: According to the requirements of the new asset management regulations, financial products cannot promise to guarantee the payment of principal and interest, including bank wealth management products. Of course, not promising to guarantee principal and interest does not mean that the wealth management product is "risky", nor does it mean that the bank's wealth management is unreliable or "high-risk", mainly depending on the risk degree of the product.

Early redemption is generally not possible.

Bank deposits: enjoy deposit insurance protection (according to the Deposit Insurance Law: individuals can enjoy 100% compensation for ordinary deposits in a single bank within 500,000 yuan). At present, banks generally tend to be more conservative and do not want to take risks.

Extended Materials. 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 of 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.

According to the standard interpretation, it should be that a commercial bank develops, designs, and sells a capital investment and management plan for a specific target customer group 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 returns and risks are borne by the customer or the customer and the bank in accordance with the agreed method.

Generally, according to the type of expected return, we divide bank wealth management products into two categories: fixed income products and floating income products. In addition, according to the different investment methods and directions, new share subscription products, bank-trust cooperative products, QDII products, structured products, etc., are also the statements we often hear and see.

Key trends. First, the gradual expansion of interbank wealth management products has mapped the original "bank-bank" cooperation model between foreign-funded institutions and Chinese-funded commercial banks to the interbank wealth management model between large domestic banks and small and medium-sized banks.

Second, the gradual attempt of portfolio insurance strategy, the stability of the product does not depend on whether it participates in the investment of high-risk assets, but on the reasonable allocation of the investment portfolio.

Third, the gradual increase in dynamic management products, the flexibility of investment direction and investment portfolio, and high liquidity are the main advantages of this type of products. However, the issue of information transparency in such products is a cause for concern.

Fourth, the gradual prosperity of POP (product of product) has met the investment needs of investors with different risk tolerances through the construction of portfolios between different types of bank wealth management products.

Fifth, the gradual rise of alternative investment, art and beverages (wine and tea) have gradually entered the investment vision of the bank wealth management product market, and the future of low-carbon concepts, real estate and natural resources investment will become the next hot spot.