Is there any risk in the agreed annualized rate of return of wealth management products?

There are two categories, just look closely at the agreement.

One is to write clearly the guaranteed return, which will be clearly written on the advertisement and financial agreement, what is the percentage of the return at maturity, this one you can definitely rest assured, but the agreed rate of return.

Comparatively low. This one is risk-free.

The other is the expected return, which has a special risk warning clause in the financial management agreement, telling you that you may not be able to achieve the rate of return when it expires.

This one is risky, but relatively small.

If, as you say, the financial institution is a formal institution and it is stated in the advertisement and the agreement, theWealth management productsIf it is to protect the capital and include income, then there is no risk at all

Conversely, if the agreement is only to stipulate the so-called maximum return, but noChen NuoIn terms of returns, there are still risks

Returns and risks coexist, but the level of risk and the issuer's ability to control the risk are just a matter of it. Therefore, when choosing wealth management products, you must choose a reliable bank or a large wealth management company. In fact, banks are not reliable now, most of the profits are taken by the banks, and customers generally only get a pitiful amount, only a little higher than the deposits.

The agreed rate of return depends on whether the agreement is clearly written in black and white, and special attention should be paid to whether it is the expected return or the maturity return, which is very different from the two. The expected return is generally higher than the maturity return.

It is generally an annualized rate of return. Now it's called capital preservation. Under normal circumstances, there will be no zero returns... Hope, thank you.

Any financial product has a certain degree of risk, mainly depending on the company or bank that issued the product to control the risk and the proportion of collateral!

1. Calculation formula: yield * days 365 * principal = income;

2. Example: If an annualized rate of return is 3% for a wealth management product, and the principal is 5w if it is deposited for 91 days. The calculation is: 50000 * 91 365 * 3% = yuan.

3. What is the annualized rate of return?

1) The annualized rate of return is only calculated by converting the current rate of return (daily, weekly, and monthly) into an adult rate of return, which is a theoretical rate of return, not a real rate of return that has been obtained.

2) The annualized rate of return converted into the net income per 10,000 shares** in the past seven days. There are two ways to carry forward earnings in the money market**:1

Daily dividends, carried forward on a monthly basis", which is equivalent to daily simple interest, monthly compound interest; 2."Daily dividends, carried forward on a daily basis", which is equivalent to compound interest day by day. Simple interest is calculated as follows:

RI 7) 365 10000 Compound Interest 100% Compound Interest is calculated as follows: ( RI 10000 Shares) 365 7 100% where RI is the nearest i(i=1,2.....7) Earnings per 10,000 shares per calendar day.

3) Difference: The annual rate of return is the ratio of the actual return of an investment in one year. The annualized rate of return is the return of investment (commonly used by currency**) in a period of time (such as 7 days), assuming that the annual rate of return is at this level for a year.

Because the annualized rate of return is variable, the annual rate of return is not necessarily the same as the annualized rate of return.

The expected annualized rate of return in wealth management products is the expected rate of return after maturity. For example, if the wealth management principal is 100,000 yuan, the expected annualized net return on investment in the product is , and the actual wealth management period is 80 days, the expected income of the investor = 100,000 yuan.

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 market and purchased in accordance with the product contract, and the investment income is obtained, and then distributed to investors according to the contract.

The annualized rate of return is the one-year rate of return of the deposit, not necessarily the actual rate of return of wealth management or deposit products. The above seven-day annualized rate of return, the actual rate of return is. If you want to make the income of 100,000 yuan of principal reach 4,900 yuan, you will naturally have to save for a year (365 days).

As for the risks of this wealth management product, please refer to its prospectus. If it is issued by a large bank, it is less risky.

Extended Information: Annualized Expected Rate of Return:

The annualized expected rate of return is calculated by converting the current expected rate of return into the adult expected rate of return, for example, the current monthly expected rate of return of a product is, then the converted adult expected rate of return is =.

Many fixed-income wealth management products of banks will use the concept of expected annualized expected rate of return, and investors can weigh the risk of the product and the expected expected return that can be obtained according to the expected annualized expected rate of return. However, there is a difference between the expected annualized expected rate of return and the actual expected rate of return after the maturity of the product, and investors need to be rational.

The difference between the expected annualized expected rate of return and the seven-day annualized expected rate of return:

The seven-day annualized expected rate of return is more commonly used in currency**, which refers to the average expected rate of return of currency** over the past seven days. Investors are easily misled by the word "seven-day", the seven-day annualized expected rate of return does not refer to the 7-day expected rate of return of the product, it still refers to the one-year expected rate of return, only with the seven-day data as a reference indicator, and also does not represent the actual annualized expected rate of return of the product.

The biggest difference between the expected annualized expected rate of return and the seven-day annualized expected rate of return is that the former calculates the annualized expected rate of return 365 days a year, and the latter calculates the annualized expected rate of return based on the net value of the currency** in the last 7 days. Assuming that the expected rate of return of a product remains the same, the calculated expected annualized rate of return and the seven-day annualized rate of return should be the same.

Difference Between APR and APR:

The annual interest rate refers to a fixed rate, which will not change and can be understood as the actual rate of return; The annualized rate of return refers to the expected rate of return, because it is expected, so the rate of return may not be as expected, or it may exceed expectations. Here's an example:

If an investor deposits a fixed deposit for 3 years, the interest rate is, assuming that the investor deposits 100,000 yuan, there will be 8,250 yuan after the maturity of 3 years (calculation method: 100,000 3, this income is the actual rate of return.

Expected annualized rate of return: It can be understood as the expected return, and usually wealth management products will be expressed by the expected annualized rate of return. If an investor buys a 100,000 yuan one-year wealth management product, the expected annualized rate of return is 4%, which may be higher than 4% or lower than 4% after maturity.

Therefore, when investors buy wealth management products, they should look at the annual interest rate or the annualized rate of return. The formula for calculating the annualized rate of return is: annualized rate of return = [(return during the investment period, principal) number of investment days] *365 100%.

1. Expected annualized rate of return: The annualized rate of return is only calculated by converting the current rate of return (daily rate of return, weekly rate of return, and monthly rate of return) into an adult rate of return, which is a theoretical rate of return, not a real rate of return that has been obtained.

2. Calculation of the expected annualized rate of return:

The annualized rate of return refers to the rate of return obtained for an investment period of one year.

Annualized rate of return = (investment income principal) (investment days 365) 100% annualized return = principal annualized rate of return.

Actual return = principal annualized rate of return 365 <> investment days

That's because the development of such financial products is very unstable, so we must be prepared to lose money.

Not all financial instruments with an annualized return of 10% will lose their entire principal. Investment** is a high risk, there is a possibility of complete loss of principal, active and reasonable planning of high returns, can also be effective, multiple risk diversification.

A high interest means a high risk. Financial products like this are all small and large, and in the end, they are empty.

It refers to the rate of return obtained by the investment period of one year, and the annualized rate of return is the conversion of the current rate of return into an adult rate of return.

to calculate. Wealth management products, i.e., products designed and issued by commercial banks and formal financial institutions, will raise funds in the relevant financial markets and purchase relevant financial products in accordance with the product contract to obtain investment income.

After that, a class of wealth management products will be allocated to investors according to the contract.

Further Resources: Are Wealth Management Products Risky?

Different wealth management products have different returns and different risks

1. Bank savings.

Risk level: Level 1.

The rate of return is 4% 6%, in terms of security, no one dares to say the second in the bank, and it is precisely because of this that the bank savings risk level occupies the first place in many wealth management products, with the highest security performance, coupled with the guarantee of the state, the money in the bank generally does not have the risk of loss.

2. Treasury bonds. Risk level: Grade.

As the name suggests, it is to lend money to the state, China**.

The issuance, guaranteed by the state, has a slightly higher return than the bank, and has a low risk, which is the favorite of the aunts and uncles. In terms of safety performance, unless China ** goes bankrupt - the likelihood is of course extremely low. When the deadline expires, your principal and earnings will be safely returned to your pocket.

3. Monetary funds such as baby products.

Risk level: Level 2.

Yue Bao. Cash treasure, small treasury and other currencies**.

The recent annualized rate of return is 5% 6%, which is higher than that of bank deposits, and the characteristics are more flexible and can be withdrawn at any time, which is deeply liked by young people.

4. Trust. Risk level: Level 4.

The investment threshold required by trust products is relatively high, generally more than 1 million yuan, and the annual rate of return is about 10%. In terms of safety performance, trust products cannot protect the principal, and the return is high and the risk is also high.

5. P2P wealth management products.

Risk level: 5.

Internet financial lending platform, private lending.

A representative of a high yield. Since its rise in 2010, it has been loved by everyone, and is known for its high flexibility, low threshold and high returns. The yield is between 10% and 20%, which is much higher than bank savings.

6、**。Wind Barrier Mitigation Danger Level: Level 6.

**Everyone knows the risk, from various reports, we know which acre, it is common to get rich overnight or go bankrupt in **. Big profit and big loss, the yield is extremely unfixed, many shareholders hope to make a fortune through the **, but there are very few that can really do it, the so-called "seven losses, two draws and one earn" refers to the ups and downs in the **.

Summary. Since its establishment, the annualized rate of return is only an indicator of financial income.

You can buy it for financial management, but you still have to do it according to your own risk tolerance.

Since its establishment, can I buy the annualized rate of return wealth management?

Since its establishment, the annualized rate of return is only an indicator of financial income. You can buy it for financial management, but you still have to do it according to your own risk tolerance.

There are many indicators of financial management, such as the annualized rate of return since the establishment you mentioned, and there is still ......The annualized rate of return in the past month, the annualized rate of return in the past three months, etc.

If you want to invest for a long time, you can pay attention to the annualized rate of return since its inception and the annualized rate of return in the past year. 、

There are risks in financial management, and financial management does not guarantee returns. Invest with caution.

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