What are the foreign currency wealth management currencies of the postal bank?

Wealth management products can be divided into RMB wealth management and foreign currency wealth management if they are classified according to the price currency. Foreign currency wealth management products refer to wealth management products that can only be purchased in currencies other than RMB, and different wealth management products will target different foreign currencies. Foreign currency wealth management can be divided into euro wealth management products, Australian dollar wealth management products, US dollar wealth management products, etc. according to the different subscription currencies.

From this understanding, RMB wealth management refers to wealth management products that can only be subscribed for with RMB.

According to relevant statistics, in the first half of this year, 1,734 RMB wealth management products were issued, accounting for the total number of foreign wealth management products issued in the US dollar, euro, Hong Kong dollar, Australian dollar, four currencies, and the US dollar product was the most, with 50.

Financial analysts said that structured wealth management products adopt the structure of "option capital guaranteed zero-coupon bonds". The term of the product is relatively long, such as 6 years. There are two common types of capital protection ratios: 90% and 100% capital protection.

The expected annualized rate of return for such products is usually relatively high; If it is 90% capital protection, the expected rate of return will be higher. However, foreign currency wealth management products are linked to overseas commodity indexes, foreign exchange, interest rates, **, etc., and investors may not be familiar with these overseas targets, and the potential risks are always proportional to the returns.

From now until March 14, the Zhejiang Branch of the Postal Savings Bank of China will sell the foreign currency wealth management product No. 2 of 2011.

It is reported that the product is divided into two varieties: euros and US dollars, and the funds raised by wealth management are invested in bonds and money markets, with the characteristics of short term, guaranteed capital and guaranteed returns, and simple structure. The term of the products is 2 months, the value date is March 15, and the maturity date is May 15. The starting point for the subscription of euro wealth management products is 5,000 euros, which is increased by an integer multiple of 100 euros, and the expected annualized rate of return; The starting point for the subscription of US dollar wealth management products is 7,500 US dollars, which is increased by an integer multiple of 100 US dollars, and the expected annualized rate of return.

1.Postal Savings Bank of China Wealth Series Xinxin Xiangrong RMB Wealth Management Products:

Issuing bank: Postal Savings Bank of China.

Income Type: Non-Principal Guaranteed Floating Income Type.

Investment variety: portfolio investment.

Wealth management currency: RMB.

Minimum purchase amount: 50,000 yuan.

Expected Maximum Return:

2.Postal Savings Bank - Postal Bank Wealth & Bond 2018 No. 320 (Closed-end Net Value):

Issuing bank: Postal Savings Bank of China.

Income Type: Non-Principal Guaranteed Floating Income Type.

Investment variety: bond investment.

Wealth management currency: RMB.

Minimum purchase amount: 50,000 yuan.

Expected Maximum Return:

3.Postal Savings Bank - Postal Bank of China Wealth & Bond 2018 No. 316 (6-month fixed opening net value):

Issuing bank: Postal Savings Bank of China.

Income Type: Non-Principal Guaranteed Floating Income Type.

Investment variety: portfolio investment.

Wealth management currency: RMB.

Minimum purchase amount: 50,000 yuan.

Expected Maximum Return:

4.Postal Savings Bank - Postal Bank of China Wealth & Bonds 2018 No. 317 (1-year fixed opening net value):

Issuing bank: Postal Savings Bank of China.

Income Type: Non-Principal Guaranteed Floating Income Type.

Investment variety: portfolio investment.

Wealth management currency: RMB.

Minimum purchase amount: 50,000 yuan.

Expected Maximum Return:

5.Postal Savings Bank - Postal Bank Wealth Mövenpick Issue 184 of 2018:

Issuing bank: Postal Savings Bank of China.

Income Type: Non-Principal Guaranteed Floating Income Type.

Investment products: other investments.

Wealth management currency: RMB.

Minimum purchase amount: 50,000 yuan.

Expected Maximum Return:

Postal Bank of China's wealth management products are mainly RMB wealth management products.

The Postal Savings Bank of China's RMB wealth management products have three series: "Wealth Creation", "Tianfu" and "Wealth", which are aimed at three types of wealth management products with high, medium and low risk. At the same time, it has also developed the "Golden Apple" special account wealth management product for corporate customers and the "Golden Seed" private wealth management product for private banking customers.

The bank's income is too low, it is better to do some bank cooperation products, annualized thirteen, daily rebates, bank supervision of capital security, the income is four or five times that of the bank...

China Post's wealth management products include: debt series wealth management products, Mövenpick series wealth management products, smart series wealth management products, exclusive series wealth management products, royal enjoyment series wealth management products, and e-enjoy series wealth management products.

1. Wealth management products, in fact, are generally not taken by banks. It's the kind that other businesses and banks work with. (In fact, they have already used it for investment, and the profit is shared with you).

2. Risky. It depends on which way you choose. (If there is no risk, you need to choose the principal-guaranteed contract.) ）

3. Not suitable. No. (Generally, there is a time limit for financial management.) Generally, it is not possible to extract it at will. ）

Wealth management products have relatively high thresholds and time requirements. Investment projects are different. It's up to you.

You can consider spot ** investment and this is also good.

Foreign currency wealth management refers to foreign exchange wealth management.

There are three major risks that need to be paid attention to when investing in foreign exchange wealth management products.

1. Income risk: In terms of income, the income of foreign exchange wealth management products is in the process of rising, but the average yield of RMB wealth management products is still higher than the former. In addition, foreign exchange earnings are also subject to uncertain risks such as information asymmetry and may be blinded.

In terms of the type of foreign exchange wealth management products, it can be divided into two forms: fixed income and foreign exchange structured products, the former has little risk and stable but not high income, and the latter has relatively high returns and large risks, which may be high returns, or zero returns, or even negative returns. Investors should pay special attention to the risks of the latter wealth management product.

2. Liquidity risk: Different from RMB wealth management products, foreign exchange wealth management products generally have a long investment cycle and poor capital liquidity. If investors have insufficient funds and short-term liquidity problems, it is not advisable to invest in foreign exchange wealth management products.

3. Exchange rate risk: foreign exchange wealth management products are greatly affected by exchange rate fluctuations, and the trend of the exchange rate is difficult to achieve.

Although foreign exchange wealth management products are "fragrant and sweet", it is not easy to eat. Financial planners suggest: If you hold foreign exchange in your hands, the risk of investing in foreign exchange wealth management products will be reduced a lot; If not, it is advisable to choose a foreign exchange wealth management product priced in RMB to minimize the risk.

In addition, in order to diversify risks, do not hold too much foreign exchange wealth management products, and invest funds in domestic wealth management products such as P2P and trusts.

The Postal Savings Bank's foreign currency wealth management products are the same, which also have the above risks, but depending on the characteristics of the product, some savings, bonds, and principal-guaranteed products can also appropriately reduce some of the risks.

1.Postal Savings Bank of China Wealth Series Xinxin Xiangrong RMB Wealth Management Products:

Issuing bank: Postal Savings Bank of China.

Income Type: Non-Principal Guaranteed Floating Income Type.

Investment variety: portfolio investment.

Wealth management currency: RMB.

Minimum purchase amount: 50,000 yuan.

Expected Maximum Return:

2.Postal Savings Bank - Postal Bank Wealth & Bond 2018 No. 320 (Closed-end Net Value):

Issuing bank: Postal Savings Bank of China.

Income Type: Non-Principal Guaranteed Floating Income Type.

Investment variety: bond investment.

Wealth management currency: RMB.

Minimum purchase amount: 50,000 yuan.

Expected Maximum Return:

3.Postal Savings Bank - Postal Bank of China Wealth & Bond 2018 No. 316 (6-month fixed opening net value):

Issuing bank: Postal Savings Bank of China.

Income Type: Non-Principal Guaranteed Floating Income Type.

Investment variety: portfolio investment.

Wealth management currency: RMB.

Minimum purchase amount: 50,000 yuan.

Expected Maximum Return:

4.Postal Savings Bank - Postal Bank of China Wealth & Bonds 2018 No. 317 (1-year fixed opening net value):

Issuing bank: Postal Savings Bank of China.

Income Type: Non-Principal Guaranteed Floating Income Type.

Investment variety: portfolio investment.

Wealth management currency: RMB.

Minimum purchase amount: 50,000 yuan.

Expected Maximum Return:

5.Postal Savings Bank - Postal Bank Wealth Mövenpick Issue 184 of 2018:

Issuing bank: Postal Savings Bank of China.

Income Type: Non-Principal Guaranteed Floating Income Type.

Investment products: other investments.

Wealth management currency: RMB.

Minimum purchase amount: 50,000 yuan.

Expected Maximum Return:

1."Wealth Creation" series: It is a higher risk and higher return product, such as FOF products, financial derivatives, linked products, products, and secondary market products, etc., mainly for more rational mid-to-high-end customers in large and medium-sized cities;

2."Tianfu" series: medium-risk, medium-income products, such as new stock products, CPI protection mechanism products, etc., mainly for customers with relatively weak risk appetite in various regions, but at the same time pursuing higher returns;

3."Wealth" series: It is a low-risk, stable-income product, such as credit asset wealth management products, etc., mainly for customers with a very conservative risk appetite in small and medium-sized cities and counties, but at the same time pursuing slightly higher savings income.

On the basis of credit wealth management products, the following sub-series are divided:

1) Wealth "Rising Month" and "Rising Sun" series: It is a basic risk-free product, investing in treasury bonds, central bank bills, financial bonds, corporate (corporate) bonds, interbank deposits, high-quality corporate trust financing plans, bank acceptance bills, repurchases, etc.

2) Fortune's "Bill of Exchange" series: It is a basic risk-free product, which invests in discounted bank acceptance bills accepted by state-owned banks or national joint-stock banks.

3) Wealth "Double Moon" Series: It is a basic risk-free product, which can be rolled over as a structured deposit.

4) Wealth bond series: It is a basic risk-free product, 70% of the funds are allocated to high-liquidity low-risk and risk-free bond products, and the other 30% of the assets are allocated to short-term financing bonds, interbank deposits, trust plans and other assets.

2) Exclusive wealth management products for corporate customers.

"Golden Apple" series: It is a basic risk-free product, investing in treasury bonds, central bank bills, financial bonds, corporate (corporate) bonds, interbank deposits, high-quality enterprise trust financing plans, bank acceptance bills, repurchases, etc.

3) Exclusive wealth management products for private banks.

"Golden Seeds" series: It is a non-guaranteed floating income product, which invests in the ** market and belongs to private wealth management products.

"Real estate, trust, five-color soil", and known as the three treasures of wealth management, the three major wealth management products all belong to the fixed income type, the yield of 10% is the horizontal line, and long-term stability. And **, **, **, foreign exchange, **, antiques, its yield may exceed 20%, or it is possible to lose 20%, **ups and downs; The rate of return of bank wealth management products is generally about 5%, and the rate of return is too low to become a treasure of wealth management. The records of the past 10 years show that it is safe and worry-free, and the annual rate of return is stable in the range of 8%-12%.

One of the three treasures of financial management, real estate: the annual growth rate is more than 8%.

National housing prices: 13 years of accumulation**times, average year**. According to data published by the National Bureau of Statistics:

In 1998, the monetization of housing division, housing reform began, that year, the national average of commercial housing housing ** 1854 yuan square meters, in 2011 the national average of commercial housing ** 5381 yuan square meters.

Shanghai Housing Price Index: 11 years of accumulation, average annual **9%. According to the monthly index data released by the Shanghai Second-hand Housing Index Office, the second-hand housing index was 2,595 points in November 2012 and 1,000 points in November 2001.

Of course, due to regulatory policies, in recent years, China's real estate appreciation has been very small, but in the long history of 50 years, it can be found that real estate has increased steadily. There is an old Chinese saying that "there is soil and wealth".

The second of the three treasures of wealth management, trust: annual rate of return of 8%-12%.

According to the National Real Estate Investment Trust Association (NAREIT), the average annualized dividend (dividend reinvestment) yield of the global real estate index in the 38 years from 1972 to 2010 was .

China Trust, in July 2002, the first trust product was issued, and by 2012, it had been issued for 10 years. According to the statistics of the recently released "China Trust Industry Development Report (2012)", 75% of the investors have an annualized rate of return of more than 9% on trust products in the past three years, and 50% of the investors have total financial assets of more than 10 million.

The third of the three treasures of financial management, five colors of soil: annual rate of return of 10%-12%.

Five-color soil refers to the five types of real estate rights supported by large amounts of transferable assets. A single five-color soil is 500,000 to 50 million, with a term of 1 to 1 year. (Among them, the five types of real rights in real estate refer to:

ownership, usufruct, mortgage, possession, pledge). Wusetu, China's first mortgage lending company, has been operating steadily for 10 years. When the loan expires in one year, if it is overdue, the five-color soil can be quickly repledged and realized, and the five-color soil has become a "hard currency" in the private lending market.