Is CMB Insurance Wealth Management really reliable, and what are the principal guaranteed wealth man

As far as the insurance company is concerned, China Merchants Bank.

It is a bank that we are very familiar with, it is very reliable, and it is also very reliable for financial insurance. Because, from the perspective of the product's own interests, we dare to say how much the income is, but it can protect the capital; In terms of security. It is not only for personal protection, but also for financial management; From a legal point of view, all insurance products are protected by law.

Therefore, CMB Insurance and Wealth Management are reliable.

Extended Material: Benefits of Financial Insurance

1. The advantage of investing in financial insurance is that the policy will not be frozen, when there is a debt, maybe your deposits, your **, and your bonds will be frozen, but the policy of financial insurance will not be frozen.

2. After many people have purchased financial insurance, even if the family's economic situation suddenly has problems, then with this financial insurance, it can also protect the family's economic security.

3. Financial insurance is relatively safe, because the state strictly supervises insurance companies, and the risk of insurance and financial management has been minimized, unlike other investment methods, although the return is high, but the risk is also very high.

Extended information: How to buy financial insurance

1. You must choose a good insurance company, this step is very critical, because a good insurance company can give you good income and good protection, otherwise, not only will there be no income, but you may not be able to get the principal back. The standard of a good insurance company is that the company is large, operates normally, and has good service and good reputation.

2. Be sure to buy financial insurance according to your own economic situation, financial insurance is generally purchased when you have a surplus of funds, because the insurance principle is still, first protect and then manage money.

3. Before applying for financial insurance, you must read the product manual, clearly understand which items are given by the insurance company, and which projects are not borne by the insurance company, and you must know what factors will affect your income and so on.

China Merchants Bank's wealth management products include:

1. **Account.

As a comprehensive investment product launched by China Merchants Bank for individual customers, it integrates the functions of purchase, regular investment, redemption and exchange, which helps to easily maintain and increase the value of assets.

2. Buyback.

In response to the increasing demand of customers for realization, China Merchants Bank should purchase physical goods from customers at the entrustment of the repurchase enterprise, and at the same time, the repurchase enterprise will pay the repurchase money to the customer through the China Merchants Bank system.

3. Paper ****.

China Merchants Bank accepts the entrusted transaction instructions submitted by individual customers through the trading channels provided by China Merchants Bank, buys and sells China Merchants Bank paper** and paper ** in accordance with the transaction ** issued by China Merchants Bank, and completes the delivery of funds.

4. Savings treasury bonds (certificate type).

**A kind of **** bond issued to the public for the purpose of raising funds for national construction, its investment risk is very low, it can obtain good investment returns, and it is exempt from interest income tax.

5. Foreign exchange trading.

Individual customers entrust China Merchants Bank to exchange one freely convertible foreign currency into another freely convertible foreign currency, and after accepting the customer's entrustment, China Merchants Bank will formulate the corresponding exchange rate with reference to the international financial market**.

China Merchants Bank has a lot of wealth management products, capital guaranteed wealth management can buy some currencies ** and bonds**, if it is particularly conservative, then use China Merchants Bank's Chao Chao Bao, Chao Chao Ying, both of which can earn you stable income.

The state regulations do not allow banks to promise capital preservation and income on wealth management products.

At present, there is no capital guaranteed wealth management product, only the difference between risk and return.

However, the traditional term wealth management products, continuing the style of the original product, the income is higher than the savings, lower than the ** and **, the risk of loss is very low, but the bank does not promise to guarantee the principal and income.

You can choose the bank's principal and interest wealth management products, or choose large-amount wealth management products, these products are low-risk enterprises, can protect the capital of wealth management products, about 3% of the interest every year.

Principal-protected wealth management products mainly refer to fixed certificates of deposit, which are to ensure the baby, and there are some fixed income or stable wealth management products with low risk.

China Merchants Bank's wealth management products are quite reliable, but it is also recommended to inquire about data information or use direct store services, and the private placement network is deeply involved in the financial field, and has a strong financial team to select high-quality wealth management products for customers. [Select Private Placement - Check Ranking - Click One Click to Chat with Private Placement].

Wealth management products are products designed and issued by commercial banks and formal financial institutions. The raised funds will be invested in the relevant financial market and purchase related financial products according to the product contract, and after the investment income is obtained, it will be distributed to the investor in accordance with the contract.

If you want to know more about wealth management products, we recommend the **Private Placement Network APP. The company was incorporated in 2004, is the leader and pioneer of the vertical segmentation of the domestic private equity industry, its company holds the first sales license and the first manager license, is the first sales agency approved by the China Securities Regulatory Commission, the private placement network is based on providing a one-stop financial service platform for qualified investors and private equity managers at both ends, and the reputation is trustworthy.

At present, most of the bank's wealth management products are reliable, and most of them can meet expectations, but now the bank is not responsible for the profitability of wealth management, and they are all responsible for their own profits and losses.

The first batch of banks to participate in the pilot of Lupai Zheng pension wealth management products were launched, which is an innovation in China's pension financial management and the debut of China's third pillar pension financial products. CMB Wealth Management, a wealth management subsidiary of China Merchants Bank, is one of the first batch of pilot pension wealth management products, and has also received attention from many aspects.

How about China Merchants Bank's pension wealth management products?

To a certain extent, this product is worth trying to buy, and we can analyze it from the following aspects:

Suitable for the characteristics of pension financial products. The risk level of wealth management products is medium and low risk R2, and the relative risk is low; Moreover, the 5-year closed-end product does not support redemption during the period, so the manager can make medium and long-term investments with peace of mind. The threshold for subscribers is also very low, with a minimum purchase of 1 yuan, which is the same as the subscription method of currency ** wealth management products, and can participate more extensively.

The manager does not withdraw excess remuneration, and the wealth management product will pay dividends in accordance with the rules every month after one year of operation. The income generated by the wealth management products will not be too much divided by the administrator, all remain in the product, and the investors can be dividends, which is rare in the general financial products, fully demonstrating the goodwill of the pension financial products. In addition, wealth management products will be distributed monthly after one year, which is a powerful supplement to the daily life of subscribers, that is to say, they can get money every month, just like a pension.

Looking at the underlying assets invested in wealth management products, because the risk level is medium and low risk, and it belongs to pension wealth management products, it is relatively conservative relative to the underlying assets and investment portfolios, so as not to cause extreme principal loss risks. The product brochure states that it mainly invests in fixed-income assets, and moderately participates in investment or other equity investments in the ** market under the premise of controllable risks. The proportion of underlying assets in fixed income may reach about 7 8 percent, and the possibility of losing principal is relatively small.

So why is it possible that the expected returns are so high? Can it be annualized? On the one hand, it is related to the fact that the manager does not charge excess returns, and on the other hand, it is also related to the fact that the manager does not support redemption within 5 years, so the manager can make some long-term fixed income investments, and to a certain extent, the annualized rate of return will naturally increase.

Just like everyone goes to the bank to make a deposit, the longer you save, the higher the interest rate.

In addition, China is now vigorously supporting the development of the third pillar of pension products, and has also given a lot of preferential support measures. This time, including China Merchants Bank, only 4 products in the first batch were piloted. To a certain extent, it is relatively unlikely that the future performance of these products will meet the product manual.

Everyone knows that a good start is still to ensure that there are no problems. So basically, you can subscribe with confidence, at least in this first batch of pension financial products should be able to fulfill the promised income, but how much.