Industrial Bank s Wanlibao private banking wealth management product is written as high risk, is it

The expected rate of return is only a theoretically achievable rate of return, which is the rate of return achieved under a specific assumption, which is affected by many factors, and no one can say for sure whether it can be achieved. Bank wealth management you had better choose the principal-protected, high returns are often risky, since it has been written, do you still suspect that the bank deceives you? However, if it can indicate the risk, it also shows that the person is responsible.

If you have a large amount of funds, you can learn about fixed income trusts, with an annual rate of return of more than 10%, which is theoretically the same as the operation of the bank, but due to the low mortgage rate, the security is higher, and you also know where your money is used.

First of all, you should ask the relevant personnel of Henyep about this question.

Also, you don't even have a rough estimate of these, so you invest money to buy them?

The China Banking Regulatory Commission has carried out a lot of wealth management products for banks this time. How to say it. Limit it.

From this point, it can be seen that many of the bank's products are not perfect.

I've taken a look at your product. Belong to the kind of money that makes a lot of money. I don't lose much money.

I'm actually quite confused. Why do you want to buy something so unstable?

There are really many ways to keep your value... At least I think in terms of risk ratio and rate of return.

Instead of buying this product, I might as well deposit it in the bank.

People say that the risk is higher, 7% is not a commitment, first correct their financial concept, risk and return are proportional. Before investing, think about how much you can afford to lose. No one can guarantee you 100% profit, let alone 7%.

Zero risk is bound to be a loss, for example, if the price of the deposit bank rises, you will lose.

Please choose the bank's wealth management products carefully.

If you've tried some bank wealth management products and feel bad.

Or other financial channels, if you don't feel good.

Finally, we recommend that you choose us.

That will surprise you!

Rotten Talk Industrial Bank.

There are many products to choose from, and the main differences are the financial management period, the expected rate of return and whether the principal is protected. Generally speaking, bank wealth management products.

The expected returns of non-principal-protected products are more substantial than those of principal-protected products, because banks do not have to bear the possibility of loss of users' principal. In response to the question asked by everyone about whether Wanlibao is safe every day, I have compiled some information to tell you whether Wanlibao is reliable.

Is Industrial Bank safe every day?

In fact, to judge whether a wealth management product is safe and reliable, the simplest and crudest way is to look at its risk level.

and the type of expected benefit of the product. The official website of IB does not give a description of the risk of IB Tiantian Wanlibao, only a description of the type of expected return.

Among them, the A-E section of the Industrial Bank is a non-principal-guaranteed floating expected return, the N section exclusive to new customers is also a non-principal-guaranteed floating expected return, and the F and H sections are both principal-guaranteed floating expected returns. Without knowing the specific risk level of these products, it is believed that the F and H models of Tiantian Wanlibao are relatively the safest. If you don't know what the non-guaranteed floating expected return of Tiantian Wanlibao means, you can also refer to the "What is the meaning of non-guaranteed floating expected return of bank wealth management products".

In fact, the fact that a wealth management product does not protect the principal does not mean that it must be unsafe and unreliable, for example, in "Will the bank lose money on non-guaranteed capital management 90% of people do not know that non-guaranteed capital is also divided into these types", as long as the direction of the investment direction of Wanlibao of Industrial Bank is not risky, then it can be considered more reliable.

In general, the question of whether Wanlibao is reliable every day, in addition to looking at this product, should also be judged in combination with the investors themselves. If the investor cannot tolerate any risk, then it is better to choose a capital protected product.

Afterword:

There are a total of 6 types of wealth management products sold by IB, which are distinguished by letters, from the 33rd issue of Tiantian Wanlibao A in 2017 to the 33rd issue of Tiantian Wanlibao H in 2017, of which A-D are non-principal-protected wealth management products, while F and H are principal-protected. I have sorted out the information of the daily Wanlibao series and told you how about the daily Wanlibao wealth management products of IB.

First, the non-guaranteed daily Wanlibao series

There are four non-principal-guaranteed wealth management products issued by IB, among which the 33rd issue of 2017 Tiantian Wanlibao C (Xingqing Special Edition) has the highest expected expected rate of return, which is 5%. The basic situation of these four wealth management products is similar, and the main differences are in the investment period and the expected rate of return.

1. Wealth management period

The shortest financial period is the first paragraph 2017 No. 33 Tiantian Wanlibao paragraph A, which is 41 days, the longest is the 33rd issue of 2017 Tiantian Wanlibao paragraph D, which is 364 days, the financial management period of paragraph B is 91 days, and the financial management period of paragraph C is 140 days.

2. Expected annualized expected rate of return

The expected annualized expected rate of return of the Tiantian Wanlibao wealth management products of paragraph A and paragraph D is the same, both are, paragraph B is a little lower, for, and C is higher than the other ones because it is a special model for Xingqing, and it has reached.

3. Miscellaneous

In addition to these two points, the situation of the non-guaranteed daily Wanlibao series is the same, their minimum purchase amount is 50,000 yuan, the investment currency is RMB, and the expected income type is non-guaranteed floating expected income.

Second, the capital of the daily Wanlibao series

There are two types of capital protection products in the IB wealth management products, namely the 33rd issue of Tiantian Wanlibao F in 2017 and the 33rd issue of Tiantian Wanlibao H in 2017. The investment currency is RMB, the minimum purchase amount is 50,000 yuan, the product type is guaranteed to float the expected return, and the expected annualized expected rate of return is 90 days, the first financial management period is 90 days, and the second is 184 days.

3. How about the wealth management products of IB every day?

Based on the above, it is believed that the IB wealth management product is a good wealth management product, its investment period is flexible and optional, and the minimum purchase threshold is also very friendly to small investors, especially the expected annualized expected rate of return of the celebration model has reached the expected expected rate of return of the IB wealth management product Tiantian Wanlibao and the expected expected rate of return is also moderate, and interested friends can learn more.

IB's wealth management products have certain risks.

Any bank wealth management product is risky. If IB wealth management is principal-protected wealth management, then the security is very high, and capital preservation means that there will be no loss of principal. Non-principal-protected wealth management carries certain risks, because under certain conditions, the principal of wealth management products may be lost.

The lowest risk is bank savings deposits. It just depends on the type and content of the wealth management products you invest in and purchase, depending on the level of risk you need to bear. Wealth management products will fluctuate with economic and social fluctuations, and the risk is not high compared to ** or other investments.

Under normal circumstances, at present, basically the products are risky, unless the contract is indicated in this agreement is a principal-protected product, and there is a risk of loss of principal, and the specific degree of risk depends on the scope of the investment target of the product, and the investment needs to be cautious.

Before purchasing wealth management products, it is recommended that you read the contract and pay attention to the scope of the investment target, risk introduction, etc.

Any financial management has risks, must be viewed rationally, the bank's wealth management products are no exception, generally speaking, bank wealth management is relatively safe, the specific risk depends on the type of product. The main risks faced by banks' wealth management products include market risk, credit risk, liquidity risk, inflation risk, operation and management risk and force majeure risk.

Different wealth management products have different returns and different risks, which requires you to choose the recognized financial products and have the ability to bear the benefits and risks. Anyway, investment is risky, and you need to be cautious when buying, which is an eternal investment principle.

Hello, the product number issued by the bank, the product number can be found on the official website, and the risk rating is R2 and below, so far there has been no problem with any bank or product. The R3 rating is okay, and the rest is hard to say.

IB made its fortune by wealth management, and the wealth management office is the best among all banks, and you can choose the wealth management product with capital protection, of course, it is lower than the interest rate without capital protection, but it is high among its peers.

Hope it helps.

IB's wealth management products are relatively safe.

1. IB is a national joint-stock bank with abundant capital and guaranteed product background.

2. Yield. The rate of return of bank wealth management products is generally not very high. However, it is precisely because the expected rate of return is not high that it can be known that the risk of the project operated by the financial management is low.

Any bank wealth management product is risky. IB also faces the following problems: Principal and wealth management income risks

IB's Bank-based Investment Plan does not guarantee the principal and wealth management income. Your principal may suffer a significant loss due to market movements, you should fully understand the investment risks and invest prudently.

No financial product can be said to be safe. Because it is also a concentration of money invested by so-called experts. When the market is bad, such as in the past two years, everyone is losing money, and some institutions are not as good as ordinary investors.

Of course, it is relatively safe to manage money by banks, but this security is obtained at the expense of interests. That said, you don't expect it to be much more profitable. Generally speaking, it can only be said that it may be better than bank deposits.

Yes, all financial products are risky now, but there is a difference between large and small risks.

Purchasing IB wealth management products, regardless of which bank's wealth management products? He is risky, but if it is **, generally this risk is relatively small, you need to raise your pants when you buy this person's financial products, you must be optimistic about this agreement, any investment is risky, just look at the bank's financial products? Because it belongs to the ** type, the risk is relatively large.

The first-class financial products of IB have manuals, and the wealth management products are all risky and risky, so investment needs to be cautious. You can choose a low-risk financial product, so that the risk is small, and the benefit of the old will be smaller.

Any bank's wealth management products are risky, and you can choose principal-guaranteed wealth management products, which are relatively less risky.

Wealth management is not a deposit, no financial products are risky, financial management is risky, investment needs to be cautious.

There is a risk of loss in any property abrasive products, but the risk of financial products of the same nature is different, and you regret choosing the corresponding financial products according to your own investment style.

Any wealth management product is risky. It is not that the bank's wealth management products are very safe. Therefore, it is also necessary to be cautious when buying wealth management products from banks.

Risk 1: Except for the fixed rate of return on treasury bonds, other investment directions are risky. And it seems to be stable, but in fact, there is no stability, and if it is stable, it will not be non-principal-protected floating income.

Risk 2: Investment restrictions: 1. Do not invest in GEM**, small and medium-sized version**, and ST class**.

How did ST's ** come about, and can ST be listed? It comes from the basic **, then the risk can be known at a glance, and those so-called normal ** have the possibility of becoming ST. 2. The truly relatively stable investment in the wealth management product is reflected in Restriction 2, which is only 30%.

3. The country has issued a decree restricting new shares, and the wealth management product still has funds for new shares. 4. Please also note that the expected rate of return is 7%, and the expectation is expected, and the state now stipulates that wealth management products cannot guarantee the principal, why? In the early days, wealth management products could protect the principal, but now they cannot.

Because with the international financial situation and the state of the domestic economy, our ** has been delisted, and the bank may also enter the process of bankruptcy later. I think this kind of financial product is more dangerous. If you have spare funds, I think you can choose the same proportion of funds, you can buy 30% of treasury bonds, 30% of **, 30% of bank deposits, 10% of insurance.

Such a configuration of financial management is in your own hands, and if you don't understand it, the company will operate it. In the current economic situation, the fluctuation of interest rates will be bigger and bigger, when the interest rate is low, insurance is a good investment variety, bank deposits and treasury bonds are the best products to ensure that the principal is not lost. The return on bank deposits may decrease with economic conditions, but you can reallocate this part of the funds according to market conditions and capital accumulation.

You can also make some investments, such as: **, in troubled times**, in the case of the global economy does not find a better way out, ** is a future hedge of value. That's probably the case, and I hope it can help you.