Bond products: mainly investing in government bonds, central bank bills, policy financial bonds, etc. , you can also invest in corporate bonds, corporate short-term financing bonds, etc. The investment risk is low and the income is fixed.
Trust products: trust products mainly invested in commercial banks or guaranteed by other financial institutions with higher credit ratings. The principal cannot be guaranteed, but the product income is relatively stable and the risk is small.
Structured products: derivative financial products, such as stocks, interest rates, indexes, etc. , disassembly or combination, or combination of zero coupon bond, generally do not invest in financial principal, only invest in interest.
New share subscription products: through the participation of institutional investors in offline subscription, the winning rate will be improved. The principal of the stock specially used for investment cannot be guaranteed, which is directly related to the income of new share subscription, and the risk is moderate.
Second, divide bank wealth management products from the perspective of risk level.
Basically risk-free products: bank deposits, including demand deposits, time deposits, certificates of deposit and other deposit types, national debt. The risks and benefits are very low.
Low-risk products: money market funds and bond funds. Mainly invested in the interbank lending market and bond market.
Medium-risk products: trust products, structured wealth management products and foreign exchange structured deposits, with risks and returns at a medium level.
High-risk products: mainly wealth management products represented by QDII, with high risks and high returns.
The above is the relevant sharing about the classification of bank financial management. Just as we choose bank deposits with different maturities, the income of wealth management products with different expected returns, different issuance periods and different risk classifications is also different.