What is the significance of non principal protection and capital protection?

1.Non-principal protection, i.e. there is no principal guarantee, i.e. the principal may be lost. Bank deposits are capital preservation, some of the bank's wealth management products are capital preservation, some are non-capital preservation, and the **type is capital preservation.

The minimum value can be zero with no return. In contrast: Bank deposits are guaranteed income, so there is a fixed income.

The floating income of principal protection can relatively ensure the safety of the principal, and the risk of the principal product is borne by the bank, and the investor's principal is safe. At present, the bank's wealth management products can be divided into five categories: prudent, prudent, balanced, active and active.

Generally speaking, the first two are risk-free, the advantages are stable, and even if the income is risky, the principal will generally not be lost. The latter three ways are riskier but more beneficial. Figure 2.

Look at the type of product Investors must be careful not to invest in areas they don't know about, so pay special attention to the type of product. Take ** as an example: Currencies**, bonds**, **, hybrid**, etc., should be well distinguished.

Figure 3. If the portfolio of a wealth management product is affected by the interest rate of the national bank, such as bank term financing, then the return of the wealth management product will be affected by the bank interest rate. If the portfolio of a wealth management product is affected by the company's business (e.g., **), then its income will be affected by the company's profitability.

What is the meaning of non-capital protection and capital protection, if it is not capital protected, it is risky, that is, risk investment may also be discounted, that is, investment, for example, **ah, it will fall and the capital will be protected, that is, it will not be depreciated.

The difference between the two is that the former cannot be kept in the capital, and the brook cannot be counted.

This pho is defined and belongs to capital protection, but the interest is still relatively good.

Non-principal-protected wealth management refers to the wealth management products invested by users do not guarantee the safety of the principal, and if there is a loss in the investment, the investor needs to bear it. It should be noted that wealth management products do not protect the principal and there is also a distinction between the size of the risk, and when the user does not want to bear the loss of principal, he can choose a wealth management product with less risk, but the risk will be small, and the return will be less.

When investing in financial management, many people pay attention to it, and when investing, we should understand the classification of the capital, such as currency, bonds, hybrid, index, etc., and the above do not guarantee the safety of the principal, and users can make selective investments according to the different risks they face.

When investing in the net worth, users usually choose to intervene in the position of low net worth, and then they can sell it for a profit after the subsequent net worth. The disadvantages should be noted that users should use their personal spare money when investing, and do not borrow money to invest, so as to avoid affecting the normal life of individuals after renting Yanmin.

Users can choose different products when investing in financial management, in addition to **, **, **, **, **, bank wealth management products, deposits, etc., users should have relevant knowledge when choosing financial products to invest, and at the same time measure their ability to take risks when investing.

Explanation of capital preservation.

break even]

No gain, no loss. Contests or trades that offset gains and losses or other advantages and disadvantages The store expects to protect the capital in the next month Explain in detail (1).Hold on to the fundamentals.

Chinese · Zhou Yu Zhong: Kuanso Baoben also, Su so Ji Shi also. ” 2).

Keep your money. Mostly refers to not losing or losing when making a trade or * .

Word decomposition Explanation of 保 保 ǎ to guard, to protect from damage or loss: to defend. Custody.

Health care. Guarantee. Secrecy.

Wise self-preservation. Uncertainty (What happens in the morning and what happens in the evening.) describe the situation critical).

Maintain the original state, so that it does not disappear or weaken: Changmeng remains. Cleaning.

Quality. Moisture protection. Responsible:

Guarantee. Explanation of Ben ě Root of herbs: Materia Medica, Critic (generally referring to Chinese medicine).

Wood without roots. The root of things, as opposed to the "end": the beginning and the end (the head and the tail; Always ).

Root (root resistant toto-stove bridge; Thorough; Essentially). Stems of grass, stems of trees: herbaceous plants.

Central, primary: Headquarters. Noumenon.

Original: Originally. Capability.

The issuer of a wealth management product with a non-guaranteed return does not promise that the wealth management product will definitely achieve a positive return, and the return may be zero, and the product without guaranteed principal may even have a negative return.

Non-guaranteed income wealth management products are divided into principal-guaranteed floating income wealth management products and non-principal-guaranteed floating income wealth management products.

1. Principal-guaranteed floating income wealth management products refer to wealth management products in which commercial banks guarantee the payment of principal to customers in accordance with the agreed conditions, and the investment risks other than the principal are borne by the customer, and the actual income of the customer is determined according to the actual investment income.

2. Non-principal-guaranteed floating income wealth management products refer to wealth management products that commercial banks pay to customers according to the agreed conditions and actual investment returns, and do not guarantee the safety of customers' principals.

1. There is a difference in whether there is a loss of principal after expiration

Non-principal-protected wealth management products do not guarantee the safety of the principal, and principal-protected wealth management products guarantee the safety of the principal.

2. There is a difference in income:

The return of relatively non-principal-guaranteed wealth management products is higher than that of principal-guaranteed wealth management products, and the risk is relatively large.

3. Invest in different markets:

Principal-guaranteed wealth management products invest in currency, bills, and bond markets, while non-principal-guaranteed wealth management products invest in a large number of credit assets and **.