Bank short-term wealth management products will be divided into two types: guaranteed or non-guaranteed. In terms of term, bank wealth management products are still concentrated on short-term varieties, and 6-month and one-year varieties are issued more. Due to the short period of time, short-term wealth management products of banks are generally not able to withdraw in advance, and there is basically no liquidity.
However, with the continuous expansion of the financial market, especially the emerging short-term wealth management products will be further flooded. Whether it is a banking institution or a financial platform of all sizes, the liquidity of funds will become a difficult choice for investors and between them. The key factor.
Therefore, for short-term wealth management products of banks, when selecting such products, investors should choose products according to their personal risk tolerance. In addition, investors should pay attention to the bank's risk warning. So, is the bank’s short-term wealth management products at high risk? In fact, in addition to time deposits, most wealth management or investment products are more or less risky.
However, in the short-term wealth management products of banks, the risk is still relatively small, and the risk of wealth management products has little to do with the term of the products. The most important thing to do financial management is not only the capital preservation and the interest rate, but also the funds of selected wealth management products. Investing in the direction, the risk of investing in stocks like funds is higher. Whether it is short-term financial management or regular, it is best to divide the large-value trust into small-scale wealth management and reduce the corresponding risk.
Finally, let's pay attention to what points should be paid attention to when purchasing short-term wealth management products.
1. Know the product deadline. Customers generally think that the term of bank wealth management products is the same as that of time deposits. It is calculated from the day of purchase. In fact, the bank wealth management product manual clearly states when it is the interest rate and when the date is due. It is recommended that you buy bank wealth management products. Look at the date of the collection and the value date in the manual.
2. Focus on the rate of return. Due to different investment directions, the expected yields of short-term wealth management products vary greatly, even for banks of the same type of products, the expected rate of return varies. Generally mentioned are the expected rate of return.
3. Pay attention to and purchase the redemption rate. At present, the bank's short-term wealth management product rate includes: subscription fee/subscription fee, redemption fee, product annual management fee, annual custodian fee, and excess return performance compensation.
4. Pay attention to the redemption time. Investing in short-term wealth management products should pay attention to the redemption time, because each bank has different trading rules.