Is it safe to manage non principal protected financial products, and is it safe to manage capital pr

This is too unreliable, even the capital cannot be guaranteed, and the probability of loss in the end is very high. Financial management must at least protect the capital, otherwise it will become gambling. If you really want to invest in financial management, you should go to an Internet café, which has high returns and guaranteed principal and interest.

Those who enter from Donghua Gate dismount at the Arrow Pavilion; from Xihuamen into the change", the second is the "Wuxu (coup) d'état". These two (political).

Hello! Any investment and financial management is risky, and the risk is relative. Even if the money is in the bank, there is a risk that the bank will go bankrupt. And wealth management products are generally not allowed to promise returns, because they are not equivalent to bank deposits.

Since it is a non-principal-guaranteed wealth management of the bank, that is, the principal is not safe. At this time, you need to have a certain amount of financial knowledge, and get a decent return while taking a little risk.

I advise everyone not to buy it, especially the Bank of Communications, we haven't played other banks, I don't know, but the net worth of the Bank of Communications is directly a pit, ......

Of course, it is not safe, customers may lose all the principal when they buy this kind of financial product, and they may also make some money, and the risk is still very large, so it is best not to participate in this kind of financial management.

In fact, this kind of financial management still has a certain risk, and the risk is greater than that of general financial products.

Is there a risk in non-principal-guaranteed wealth management products? There are various types of wealth management products in the market, which can be divided into two categories, principal-protected and non-principal-protected. Principal-protected wealth management products can generally ensure the safety of principal, so what about non-principal-protected wealth management products?

Are there any risks? Next, I will introduce it to you.

Compared with principal-guaranteed wealth management products, non-principal-guaranteed wealth management products are expected to have higher annualized expected returns, but the risks are also relatively large. Among all wealth management products, the non-guaranteed floating expected annualized expected return type is the most risky, that is, neither the principal nor the expected annualized expected return is guaranteed. When investors buy such products, they must buy them under the guidance of the bank's professional financial managers, and start to buy according to their own actual situation.

In the face of wealth management products that do not protect the principal, many people have concerns that the wealth management cannot protect the principal, so the meaning of investment will be lost. In fact, not guaranteeing principal does not mean that losses will be assured, but the risk of non-principal-protected wealth management products is obviously higher than that of principal-protected products. Investors need to pay attention when choosing non-principal-guaranteed wealth management products, the most important thing is that the investment needs to look at the linked target, if the linked target is relatively safe, then the historical expected annualized expected return is also a natural thing.

Investors should not be shocked when they hear "no capital protection", non-capital guaranteed wealth management products do not mean high risk, but the risk is higher than that of capital guaranteed wealth management products.

The market for bank wealth management products has changed, and due to the impact of interest rate cuts, bank non-guaranteed wealth management products that have been hot for many years are no longer popular, and the above level of bank non-guaranteed wealth management products is rare.

The expected annualized expected rate of return of bank wealth management products has shown an overall downward trend, and only a few banks still have a few wealth management products with higher expected annualized expected closing rates, but the investment threshold has been raised accordingly.

At the same time, insurance and wealth management products present a different picture. Many of the products with a one-year historical expected annualized expected rate of return of more than 6% are universal insurance, of which several products have a historical expected annualized expected rate of return of 7% or more, and two universal insurance historical expected annualized expected returns of a sum of 1,000 yuan, and the starting capital of each product is 1,000 yuan. The annualized expected return of many participating insurance policies is also higher.

Bank non-insurance Xunben wealth management products:The annualized expected return of insurance and wealth management is rising

In the Kunming Guangfu branch of China CITIC Bank, the publicity is more eye-catching, the branch bancassurance business manager said that as a relatively new branch, the last week alone sold more than 400,000 yuan of bancassurance products.

The sales of bancassurance products are also better in the Kunming Qianwei branch of Ping An Bank, and there are many more customers who purchase and consult bancassurance products.

When the salesperson introduces the product, in addition to emphasizing the product guarantee function, he also emphasizes the financial management role of the product after the interest rate cut. Industry insiders said that in a short period of time, interest rate cuts will have a certain impact on universal insurance, dividend insurance, investment-linked insurance and other products, so that insurance companies have adjusted the sales strategy of these types of products.

The China Insurance Regulatory Commission (CIRC) has proposed to loosen the expected annualized interest rate of universal insurance, and many insurance companies are considering products with a higher minimum guaranteed expected annualized interest rate than in the past, in order to take a share of the wealth management market.

In the past, the expected annualized interest rate of universal insurance settlement was more than about 4%, and the competitiveness in the wealth management market was very weak, but now the actuarial products can raise the expected annualized interest rate, and may even help some insurance companies reverse the dilemma of slowing down the growth rate of new insurance premiums for individual insurance and bancassurance in recent years. Investment-linked insurance, which is linked to the equity market, has partially benefited from the bull market in the short term, and the expected annualized expected return has been rising.

Non-principal-guaranteed floating income wealth management products can be bought, but they require a certain risk tolerance. There are two meanings of non-guaranteed floating income: on the one hand, this type of wealth management product does not have a principal guarantee, that is, the principal may be lost.

On the other hand, floating income is relative to fixed income, which simply means that the income is not guaranteed, and the minimum can expire without income.

Bank wealth management is generally divided into 5 risk levels, R1 (low risk), R2 (lower risk), R3 (medium risk), R4 (higher risk), R5 (high risk), all risk levels of wealth management products can not protect the principal, some of the income is relatively fixed, some are floating uncertainty, depending on the specific purchase of net worth or non-net worth products. Wealth management products with grades R1 and R2 can be purchased with confidence, and the safety of the principal is higher, but wealth management products with a risk level of R3 or more should be purchased with caution, and the possibility of principal loss is relatively large.

Whether high-net-worth wealth management products can be bought depends on the investor's own ability to bear the risk and whether the funds are enough, usually the expected rate of return of high-net-worth wealth management products will be higher, and the risk is relatively stable, but the threshold of some high-net-worth wealth management products is relatively high, basically more than 50,000.

Taking China Merchants Bank's Juyishengjin series 91-day C (high-net-worth) wealth management products as an example, the subscription starting point share is 50,000 shares, and the part exceeding the subscription starting point share should be an integer multiple of 10,000 shares.

If the investor's funds are sufficient, and can bear a certain amount of risk, want to pursue income, can be purchased, the current market of high-net-worth wealth management products is quite a lot, in the selection, must be a multi-faceted comparison and see the details of the financial products before buying.

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.