Investment Bank s wealth management products 5

**Not part of bank management.

There are four main types of bank wealth management (risk reduction in turn): :**, ***, wealth management products (self-issued, such as: profit profit series), insurance.

**(Risk reduction in order) :**, hybrid, bond.

(Risk reduction in turn) :* * (paper**), ** (paper**) wealth management products (risk reduction in order): non-principal-guaranteed floating income, principal-guaranteed floating income.

Insurance (risk reduction in order): investment-linked insurance (similar to **), universal insurance, and participating insurance.

Because you are not familiar with financial products, blindly investing in high-risk varieties has a higher probability of loss, it is recommended that you choose the last two of the four categories.

It seems that you don't know how to invest in appreciation-based products such as **, **, **, **, etc., so it is best to put them in the bank with the lowest risk. There are investment risks, and those who don't understand will only make some money today, and lose money tomorrow, and they will definitely lose money in the end. **、**Buy physical goods can't be cashed, merchants basically only sell but don't collect, and the places where they are collected are discounted by 7, so they must lose money.

The risk is the lowest compared to bank lending. Financial management can only be done if you know it, and everything else is a fraud service fee. When the financial turmoil comes, there will be no money-making financial management.

I suggest you go to understand the current trend of foreign exchange** This aspect of financial management is very good, if you are interested, you can join me to communicate with you to provide you with detailed information and technical guidance.

To buy Everbright and China Merchants wealth management products, the income is definitely higher than the fixed deposit, generally there are 4 points, the product has a few days, a few months, and a year, I recommend that you invest in a year, then there will be these wealth management products only sold by the bank for a few days (irregularly), very hot, some will be bought in a day or two, you can go to the lobby manager of these two banks to consult.

<>In today's era of rapid economic development, investment and financial management are many people's, but which bank is better for investment and financial management, which bank is better, is a question that everyone wants to know.

First of all, when choosing a bank, you must look at the bank's loan interest rate, the lower the loan interest rate, the lower the loan fee, and the higher the loan fee. Secondly, we should look at the service attitude of the bank, the bank with a good service attitude is easier for investors to rest assured, which is conducive to investment and financial management.

In addition, it is also necessary to pay attention to the bank's investment products, investment products are diversified in banks, investors can choose the right investment products according to their own investment needs, can better meet the investment needs.

In short, which bank is better for investment and financial management, this question only refers to the fact that investors themselves can consider it comprehensively and make better choices.

Users can choose wealth management according to the three aspects of risk, term and return, and it should be noted that banks have proprietary wealth management and agency wealth management, and investors should distinguish clearly.

1. Risk: Investors with low risk tolerance can choose products with a risk level of R2 and below, and investors with a high risk tolerance can choose products with a risk level of R3 and above.

2. Term: Investors with high liquidity requirements can choose wealth management products with a short investment period, and investors with low liquidity requirements can choose wealth management products with a long investment period.

3. Returns: Risk and return are proportional, and in the case of the same risk level, you can choose financial management with high yield.

4. Flexibility of wealth management products: Generally speaking, financial products with low flexibility have higher expected yields than financial products with higher flexibility.

5. The growth of wealth management products: When investors buy wealth management products, they can choose wealth management products with better growth according to the subject matter invested in wealth management products.

6. In addition, investors should combine their own risk tolerance when choosing wealth management products, for example, investors with a low risk tolerance should choose low-risk financial products, and for investors with a higher risk tolerance, they can consider medium and high-risk financial products.

7. It is best to choose the wealth management issued by the bank itself for the first investment: many wealth management products of the bank, in addition to the ones issued by themselves, are also sold on behalf of others, that is, they only provide a platform for third parties to buy and sell freely. For those who are managing money for the first time, of course, it is relatively safe to choose the bank's own wealth management products.

After all, we are more familiar with banks and more trusting.

8. Carefully check the product manual of each financial product, which will give a detailed description of the product, and the product registration code can help us identify' 'The code at the beginning can be used in the "National Banking Wealth Management Product Registration System."'If it is queried, it means that it is a product sold by the bank itself.

9. In the case of the same rate of return, choose the one with fast interest rate and short cycle.