How to choose the wealth management products of various banks

When choosing a bank wealth management product, we should not only know the income period of the product, but also pay attention to whether the product bears interest from the subscription date to the establishment date to avoid the loss of time and cost of funds.

Whether the safety degree and expected rate of return of wealth management products can be realized smoothly depends largely on the investment direction. If it is trust financing, it depends on whether the source of repayment and the guarantor are enterprises with strong financial strength or the government. If so, the risk is relatively small, and the possibility of realizing the expected return is relatively high.

Wealth management products not only have their own investment risks, but also have other risks. Generally speaking, the risk level of wealth management products will be indicated in the product specification. Before buying bank wealth management products, investors should try to choose wealth management products that are equivalent to their own risk preferences.

Product income can be divided into guaranteed income, guaranteed floating income and non-guaranteed floating income. Among them, only the rate of return of guaranteed income products can be determined in advance, and the latter two can only see the probability that the expected rate of return can be realized.