Are Agricultural Bank of China wealth management products risky Investing in Agricultural Bank of Ch

ABC can purchase wealth management products according to your own investment preference, risk tolerance, capital liquidity, etc., you can enter the homepage of China Merchants Bank, click "Personal Service-Investment and Wealth Management-Bank Wealth Management", and filter the product information you need according to your needs. If you need corresponding financial planning advice, go to ABC outlets or contact the relationship manager directly to try to understand. [Tips:]

Please read the product manual in detail before purchasing] If there is an Agricultural Bank of China in the city, you can also learn about the fast e-treasure of the Agricultural Bank of China, from May 27, 2016, the personal online banking and palm banking channel "Kuaiyibao" has been renamed as "ABC Kuai-e-Bao", and the contracted product has been changed to "ABC Dividend Daily Settlement A (000907)", and the contract is signed with the ** business at the same time, and the functions of regular investment, intelligent regular investment, combination, and quick redemption have been opened. The new product supports T+0 real-time redemption, daily settlement of income, and supports the setting of automatic balance transfer, linked credit card and personal loan transfer, and the minimum value of the minimum retention amount is 100 yuan. The counter contract is still the old "Kuaiyibao", and you need to terminate the old product before you can sign the new product "ABC Kuaiyi eBao".

How to set up the quick e-treasure business in the personal palm bank: enter the personal palm bank, select "Investment" - "ABC fast e-treasure", and click the setting icon in the upper right corner of the home page to enter the setting homepage. You can cancel the contract of "ABC Express e-Bao", change the bound mobile phone number, enable the automatic transfer in of the balance of the closed balance, and turn off the automatic transfer out.

Bank wealth management products are generally divided into two categories: principal-guaranteed floating income and non-principal-guaranteed floating income. Generally, the expected rate of return indicated as capital protection is relatively low. Bank wealth management products belong to the medium and low risk type, which is a little higher than the deposit risk level.

1. From the perspective of the platform of the Agricultural Bank of China, it is safe, because the Agricultural Bank of China is a large state-owned bank managed by the state, which has been audited by the state and is formal, and the anti-theft technology is still very powerful. From the perspective of the Agricultural Bank of China's wealth management products themselves, they cannot necessarily guarantee safety, because wealth management products are risky, and bank wealth management is the same, but bank wealth management will be divided into risk levels. According to the risk level, bank wealth management products can be divided into five types: prudent products (R1), prudent dust products (R2), balanced products (R3), aggressive products (R4) and aggressive products (R5).

2. If investors want to focus on safety when buying wealth management products, then they can consider prudent products (R1) and stable products (R2), because the risk of these two types of products is relatively small, and the security is a little higher than that of other bank wealth management products. Prudent products (R1) and prudent products (R2) basically will not lose the principal, unless it is a special situation where the market is particularly bad, but long-term holding basically waits for a period of time, and it can generally rise.

Extended information: How to buy bank wealth management products:

1. Do a good job of risk assessment before purchasing bank wealth management. Do a good job of personal risk tolerance, you can make yourself and the bank very clear about your risk tolerance, which is conducive to choosing the right financial products, which can effectively protect your interests and not suffer some unnecessary risks.

2. Choose wealth management products through formal channels. There are many ways for us to buy wealth management products, but there are not many formal ways. Therefore, we choose wealth management products as much as possible, such as bank counters, bank wealth management product areas, bank VIP rooms, self-service machines, bank official websites and mobile banking.

3. The expected rate of return of wealth management products. The most important investor should be very clear about the so-called expected return, which is not the final return, it only gives a general return range for investors' reference. Generally speaking, in addition to being a fixed-income type of property management product, otherwise the rate of return will fluctuate to a certain extent, and how much yield a wealth management product can get depends on the final result.

Agricultural Bank of China's wealth management products are relatively reliable, but they also have risks.

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Risk of financial products: investment and risk are relative, financial products are risky, even if the money is deposited in the bank there is a risk of depreciation, so when choosing financial products, you need to combine the inflation of the market, but also need to consider the product itself to deal with the risk of risk, if you can bear the risk of loss of principal, you can consider the bank's financial products, the corresponding annual income is about 4% 6%.

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It is very safe, but there are still risks associated with wealth management products.

Questions. My money is still in the card, it's still in the **.

1.The products in the bank are all regular wealth management products, and they have been reviewed and approved, please rest assured.

Have you bought a wealth management product?

Questions. Oh, this money can be withdrawn from time to time, right?

Can you suggest that there is an excerpt?

Can you suggest that there is an excerpt?

No, this depends on the time of the financial product, some financial products have a closed period, and they can only be sold after half a year.

Wealth management products need to be sold before the money can be withdrawn.

Wealth management products are still risky, and it is not guaranteed to make money by buying wealth management products.

Questions. I deposited it yesterday, and the bank said that it would be available in January.

Are you saving money or buying financial products?

Questions. They said it was safe, and 10,000 yuan a 18 yuan interest.

There is no problem with this.

With an interest of 2% a year, there is no problem with this security.

The bank's products are still very safe, don't worry ha.

Hello, do you have any other questions?

Good night and good dreams.

Reliable. After all, the Agricultural Bank of China is one of the six major banks! The wealth management product itself is reliable.

The ability of large state-owned banks to resist risks is also relatively strong. But it should be noted that reliability does not mean that it is necessarily profitable. Managing money is also risky, and you need to be cautious when investing.

You need to determine whether you need to buy a wealth management product according to your own situation. Hope it helps.

Through 24,064 branches, 30,089 ATMs and 1,171 overseas first-class banks around the world, Agricultural Bank of China provides convenient, efficient and high-quality financial services to more than 350 million customers around the world with the most extensive branch network system and leading information technology advantages.

Agricultural Bank of China has a total of 23,461 domestic branches, including the head office, 32 first-level branches, 5 directly affiliated branches, 316 second-level branches, 3,479 first-level sub-branches, 19,573 grassroots business institutions and 55 other institutions. Overseas branches include 3 overseas branches and 4 overseas representative offices. The main holding subsidiaries include 6 domestic holding subsidiaries and 3 overseas holding subsidiaries.

Continental region. At the end of 2010, the total assets exceeded 10 trillion yuan, and in 2011, it reached one trillion yuan, accounting for the total assets of the national banking and financial industry, making it one of the largest and most powerful large-scale listed commercial banks in China and an important part of China's financial system. As of the end of 2011, the non-performing loan ratio decreased year-on-year, the provision coverage ratio was improved, and the core indicators jumped to the forefront of comparable peers in China.

The annual report of the Agricultural Bank of China also shows that its intermediate business development is the most rapid, the annual net income of fees and commissions is about 100 million yuan, about 100 million yuan more than the previous year, and the increase in the file is more than 30%, such as excluding the handling fee income of the Ministry of Finance to dispose of non-performing assets, then this growth rate can be increased to, including electronic banking, credit cards, investment banking, insurance and other businesses increased by more than 50%.

In 2010, ABC achieved operating income of 100 million yuan, a year-on-year increase; The net profit is about 100 million yuan, and the profit growth rate is about 46%; In 2011, the company achieved an operating income of 100 million yuan, a year-on-year increase, and a net profit of about 122 billion yuan, a year-on-year increase, and the profit growth rate ranked first among the four major banks.

All core indicators have reached the leading level of the domestic financial industry, and the outlook of Moody's long-term deposit rating is A1 stable.

In the first half of 2021, the net operating income was RMB366.3 billion, a year-on-year increase. net interest income was RMB283.4 billion, up year-on-year; profit before provisions was RMB249.7 billion, up from a year-on-year increase; net fee and commission income was 100 million yuan, a year-on-year increase; Net profit was RMB122.8 billion, up year-on-year. Return on average total assets (ROAA) and weighted average return on equity (ROAE) increased by one percentage point year-on-year, respectively. (Excerpt from Encyclopedia:.)

Agricultural Bank of China).

No matter which bank's wealth management products, are a kind of investment, there is a certain risk, there is no absolutely safe wealth management products, the Agricultural Bank of China debated the launch of wealth management products, if you want to get the income, you have to bear a certain amount of dust risk, that is, the usual risk and return are proportional, so there is a certain risk tolerance to buy wealth management products.

Compared with the products of other institutions, the wealth management products of the Agricultural Bank of China should be relatively safe, but now all the products can no longer protect the capital, and there will always be certain risks.

Wealth management products are risky, there is no absolutely safe financial products, the same is true for the wealth management products launched by the Agricultural Bank of China, you have to have a certain risk tolerance to buy.

It is safer to buy Ben Li & Fung series products in the Agricultural Bank of China, which guarantees the principal and income, and the income is paid according to the agreed income due. ABC's wealth management products are generally divided into three types:

1.One is Ben Li & Fung series products, which guarantee principal and income, and the income is paid according to the agreed income due;

2.The other kind of income is generally higher than the annual income of Ben Li Fung, and the maturity income is generally a few yuan higher than the agreed income, which can achieve the guaranteed principal and income.

3.There is also a relatively high risk variety, which does not guarantee the principal and does not guarantee the income.

Extended Information:1As one of the four major banks in China, Agricultural Bank of China's wealth management products are also relatively popular.

ABC's wealth management products mainly include five series: "Ben Li & Fung", "Anxin Deli", "Anxin Express", "Huilifeng" and "Overseas Treasure" to meet the needs of different types of investors.

2.As one of the four major state-owned banks, the probability of bankruptcy and collapse of the Agricultural Bank of China is almost zero, but its insurance products are not protected by the deposit insurance system. The income is not fixed, the principal is not absolutely safe, and the investment value is extremely low for such a long time.

3.Considering any wealth management product is nothing more than considering three aspects; Safety (risk), profitability and liquidity. Since, we are facing the online wealth management products of state-owned banks, then the credibility of the information disclosed by the official ** is good, and the risk rating given is also relatively referenced.

So for this wealth management product first recommended by the Agricultural Bank of China. We can see that it has a calculator of investment returns, and I personally have to be more user-friendly. It is very intuitive to see how much you invest and how much you earn.

4.From the investment range of the product, it can be seen: Mainly fixed income products and some money market instruments. Although, officially, it is said that it is "non-guaranteed principal and guaranteed returns", but from the perspective of the type of investment. The possibility of losing your principal is extremely small!

Wealth management is not a deposit, the product is risky, and investment should be cautious. The estimated return is not equal to the actual return, and the investment should be cautious.

To buy wealth management products in the Agricultural Bank of China, if you want to have the highest safety factor, you must choose the one with guaranteed income and the one with guaranteed principal and income, both of which have relatively low returns.

Buy that kind of bank-issued products, it is medium and low risk, and there are regulations that by the end of this year, the provisions of wealth management products will not protect the principal, so buy short-term wealth management products, do not buy long-term wealth management products.

There are three types of wealth management products of Hello Agricultural Bank: 1. One is Ben Li & Fung series products, which guarantee principal and income, and the income is paid according to the agreed income maturity; 2. The other kind of non-guaranteed income is not guaranteed and the return is low-risk, this kind of income is generally higher than the annual income of Ben Li Fung, and the maturity income is generally a few yuan higher than the agreed income, which can achieve the guaranteed principal and income. 3. There is also a relatively high risk variety, which does not guarantee the principal and income.

Personally, I think that if you choose the above two for the sake of financial arrangement.

If you want to pursue other products with higher returns and low risks, you can pay attention to Baifa, NetEase and **'s online wealth management products, and the income is generally about 8. In the current form of wealth management products, there is no short-term, small amount, or the rate of return is very low, you can consider fixed income, or combined with your own situation, threshold funds, time, rate of return, and risk.

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Questions. Is there a risk.

Low risk. Watch me explain.

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