Is it risky to invest in wealth management products and funds? Is there a principal protected type?

Now there are many varieties and types of wealth management products on the market, such as **, **, insurance, trust, etc. Mainly concentrated in banks and ** companies. Financial management is not equal to investment, if your risk tolerance is relatively small, you don't know much about the financial market, you can choose ** or insurance (first there are a lot of capital protection and dividend insurance), **type** risk is still relatively large, according to the quality of the market and change, currency and bond ** risk is very small (can also be said to be principal-protected), of course, the profit margin is also very small, can only be said to be better than your survival period or one-year regular income.

In this era of inflation, in fact, there are not many wealth management products that can really "protect the capital" (a year of investment income does not reach the CPI growth rate is equivalent to depreciation), and the income of some wealth management products does keep up with the CPI, but the risk is the same. Personally, I feel that the stored value** is still the most principal-preserving.

Most of the wealth management products sold on the market now have no direct affiliation with banks, and they are known as capital preservation, but they are actually very risky! The common people don't understand. There is not much difference between investment and risk, **** is not good, ** is generally lost.

The return on investment is directly proportional to the risk, and the greater the target return, the higher the risk. The only real "principal-preserved" investment is to deposit in the bank, and the death period is actually slowly eaten away by inflation.

Anyone who has made an investment knows that there is no principal protection, only risk reduction. Our company has a wealth management product that may be more suitable. The first is to reduce the risk of the customer by 5% first.

If you want to achieve excess returns on the basis of capital protection, you can consider the collective wealth management product "fixed increase No. 1" issued by our company, adopt the same CPPI strategy as capital protection, invest 5% as a guarantee, and choose small and medium-sized enterprise private placement bonds (annual interest rate of about 10%, the interest rate of ordinary public bonds is about 8%) or bonds** than public bonds, and the equity ** selection is 10% lower than the market price of private placement**, which can be sold at the market price after the expiration of one year. Achieving a higher return than ordinary capital protection** (3% per annum) is a high probability event.

For details, you can add friends to chat in detail.

Welcome to come and buy**, open an account and get a prize.

The purpose of investment is to make profits, but investment is bound to be risky, and the key is how to make a profit while controlling risks.

If the domestic **** investment risk is small, you can learn about it.

Comparatively speaking, the risk is greater than that of **.

However, as long as it is the risk and return of investment, it is always a happy pair. Because, all investment products have commonalities, that is, risk and return coexist, high risk and high return, low risk and low return. When investing, it is impossible to completely avoid risks, but the smaller the risk factor, the higher the degree of security.

For example, bank fixed deposit is the safest, which mainly refers to the bank's fixed deposit and the purchase of treasury bonds and other conventional financial management methods, which are characterized by low risk, low to almost no risk.

Investment mainly refers to different types of products purchased from major management companies, and the risks and returns are different.

Investment mainly refers to the purchase of valuable goods like ** and ** from **company. Relatively speaking, the product with high returns is **, but it is also the most risky, and if you don't get it right, it will become a loss of money.

Through the above analysis, everyone's definition of good investment is different, but safety is a necessary one. So, to put it simply, the level is high, and the level is generally still.

In fact, whether it is financial management or **, there will be certain risks. But.

Objectively speaking, compared with **, financial management brings greater risks. However, high risk brings high returns and high returns, compared with the steady appreciation of investment, investment and financial management is more like a "roller coaster" in an amusement park.

There are three forms of existence of our property in the bank, which are savings, ** and wealth investment. Among them, the risk of saving is the lowest, and the return is also the lowest. Banks will only add a very small interest rate to your savings.

Wealth management is a management method for family or personal finances (property and debts), and the purpose of wealth management is to preserve or increase the value of one's income. Wealth management is divided into corporate finance, institutional finance, personal finance and family finance. The purchase conditions of wealth management products are generally at least 50,000 yuan, and except for specific products, others can only be redeemed for a fixed period.

Wealth management is managed and operated by China Merchants Bank, and the rate of return is announced by the bank. For investment masters who have a certain financial foundation and understand the operation rules of the market, choosing financial management is an investment with far greater returns than risks. For those of us who are beginners and ordinary novices, the risks of investment and financial management are far greater than the returns.

Compared with financial investment, the investment risk of currency ** is much smaller, and correspondingly, the return of currency investment is much less than that of other high-risk investments. However, the income brought by investment is still much higher than the interest rate of the bank, so it is very suitable for novice investors and novices. Its extremely low risk is determined by most money market** investment instruments.

**Managed and operated by **company**, and the net value is announced every trading day. Most of the ** charge subscription and redemption fees. Except for specific products, most trustees do not have subscription and redemption fees.

Currency contracts generally do not guarantee the safety of the principal, but in fact, due to the nature of the currency, the loss of the principal is very rare in reality. In general, currency** is considered a cash equivalent. This couldn't be better for conservative investors who prefer to be steady.

There are different projects and different investment risks in each project, no way, separately say which of these two ** and financial management is more risky.

As long as it is a non-deposit type of financial management, there is always a risk.

The risk of currency ** is very low, and there is only a risk of losing money in extreme cases, at least not yet.

Does a wealth management product refer to a wealth management product in a bank? That is a risk level, before the investment bank will do an investor's risk assessment, according to the test results to delineate the investor's corresponding wealth management products, R1 is guaranteed principal and interest, R2 is not guaranteed principal and interest, but basically reached the marked interest, R3 risk increases, because there are large fluctuations in wealth management products

** is one of the ways to manage money; It's the experts who help you manage your money. Generally speaking, there are two types of investment, single investment and regular fixed amount. The so-called "fixed investment" refers to the investor's investment in a fixed amount (such as 1,000 yuan) at a fixed time every month (such as the 10th of each month) into a designated open-ended investment, similar to the bank's lump sum deposit and withdrawal method.

Financing refers to the management of finances (property and debts) for the purpose of maintaining and increasing the value of finance. Wealth management is divided into corporate finance, institutional finance, personal finance and family finance. Human survival, life and other activities are inseparable from the material foundation and are closely related to financial management.

The risk is the same, the return is low, and financial management can improve the profitability.

Principal-guaranteed wealth management products can generally guarantee the safety of the principal, but basically no matter what the wealth management products are, it will have certain risks, except for the bank's fixed deposits, which are guaranteed to be 500,000 principals, and the principal loss risk and interest loss risk are mainly the principal loss risk and interest loss risk in terms of principal-protected wealth management products.

1. Risk of loss of principal.

Not all principal-protected wealth management products are principal-protected, and some principal-protected wealth management products may only protect a portion of the principal, such as 70% or 80% of the principal.

If you buy a principal-protected wealth management product, the management institution of the principal-protected wealth management product will use the money you have invested to buy investment products with a higher rate of return, so as to improve the overall return of the principal-protected wealth management product. However, the higher the return, the greater the risk, and therefore the greater the chance of loss.

Once there is a loss in the capital investment of the capital-guaranteed wealth management product, the person who manages the capital will only get part of the principal in the end, and the rest will become a loss.

2. Risk of interest loss.

For example, after you buy a principal-protected wealth management for a few years, you will only get back the principal, which is not as good as the interest from depositing the money directly in the bank.

Therefore, generally speaking, if a principal-protected wealth management product cannot realize a gain or even a loss, even if the management or issuer of the wealth management product will protect the safety of your principal, it is inevitable that you will lose interest.

All in all, as long as it is a wealth management product, it will have a certain risk, and the capital guaranteed wealth management product is inevitable, but the risk is a little lower than that of other financial products.

In fact, any investment is risky, and the same is true for bank capital-protected wealth management products. What are the risks of the bank's principal-protected wealth management products? Risk of loss of principal.

The guarantee of the principal of the bank's principal-protected wealth management products is time-limited, and 100% of the principal invested by investors is guaranteed during the investment period (generally 3 or 5 years). Therefore, investors can generally recover the principal on the maturity date of the capital preservation void.

If you redeem early and the market moves unfavorably, you may lose your principal. In addition, the committed principal protection ratio of the principal can be high or low, that is, the principal protection ratio can be lower than the principal, such as the commitment to guarantee 90% of the principal, then there will still be a risk of principal loss.

Interest rate risk, capital protection is only principal protection, and does not guarantee profits, nor does it guarantee the minimum return. Principal-protected wealth management products may only be able to recover the principal after the maturity of the principal protection, and there may be losses if they are redeemed before the maturity date of the principal protection.

What is a principal-protected wealth management product? What are the risks of principal-protected wealth management products?

What is a principal-protected wealth management product?

Principal-guaranteed wealth management products are to ensure the maximum protection of investors' principal, as for the expected annualized expected return, it should be determined according to the type of product selected.

The "principal-protected risk" of principal-protected wealth management products

1. "Guaranteed principal" or "principal preservation strategy".

Most of the understanding of "principal protection" by ordinary investors is "guaranteed principal", so some investors may regard the bank's wealth management product as another kind of fixed deposit to purchase. Professional investors believe that the so-called "capital preservation" should only be a "capital preservation" strategy asset allocation method for the purpose of capital preservation.

2. Partial capital preservation

The product commitment does not reach 100% capital protection. For example, when a product is promoted, it is pointed out that "93% capital is guaranteed". The meaning of "32% capital protection" is that the product will have the possibility of eroding the principal, but the bank has set a stop-loss line of -7%, when the actual principal loss of the product exceeds 7%, the bank will take 7% as the investor's loss, and return 92% of the investor's principal to the investor's account after the product expires.

3. Deduction of expenses

Principal-guaranteed wealth management products have floating expectations and annualized expected returns. When many investors choose a floating expected annualized expected return type of capital-guaranteed wealth management product, they should pay attention to distinguishing whether the expected annualized expected return deducts relevant expenses. A principal-protected product with a floating expected annualized expected return may also become non-principal protected after deducting the product management fee and other related expenses from the final expected annualized expected return.

Therefore, investors need to pay extra attention to the fee terms.

Investors should pay attention to the "word trap" of principal-protected wealth management products and do not treat them as savings products, so as to avoid the risks of principal-protected wealth management products to the greatest extent.

In the current wealth management market, there are many types of wealth management products, and the phenomenon of lack of integrity is also emerging, so many people have turned their investment attention to principal-guaranteed wealth management products. So is there any risk associated with the principal-protected Leung Woo Choi product?

Principal-guaranteed wealth management products can ensure the safety of the principal of wealth management funds, with a relatively low degree of risk, and are suitable for stable and conservative investors. In the most adverse case, the client will not be able to obtain any expected annualized return on the investment, but will be able to recover the principal amount invested.

However, there is no 100% safe thing in the world, and there are the following points to pay attention to when choosing principal-protected wealth management products:

1. There is a time limit for the principal protection of principal-guaranteed wealth management products.

Principal-protected wealth management products do not provide 100% principal protection throughout the investment period, but provide guarantee for the principal invested by investors within a certain investment period. Even if there is no early redemption clause, there is a certain percentage of the fee to be paid when the early redemption is made, so investors may lose money due to early redemption.

2. Principal-guaranteed wealth management products do not guarantee the expected annualized expected return.

The principal protection of principal-protected wealth management products is only to protect the principal, but it does not guarantee that it will be profitable. Therefore, there is a risk that only the principal can be recovered on the maturity date of the principal-guaranteed wealth management product.

3. Principal-guaranteed wealth management products also have floating expected annualized expected returns.

Principal-protected wealth management with floating expected annualized expected return may also incur losses after deducting product management fees and other expenses. Therefore, when investors choose a floating expected annualized expected return type capital guaranteed wealth management product, they should pay attention to the fee terms of the product.

4. When the market outlook is optimistic, the advantages of principal-guaranteed wealth management products may become disadvantages because they are too conservative.

So, should you invest in principal-protected wealth management products? Investors with lower risk tolerance can allocate more principal-guaranteed wealth management products, while investors with higher risk tolerance should not allocate too many principal-guaranteed wealth management products.