First, the bank's securities wealth management products are usually capital preservation plus fixed income. The advantage is that you don't have to worry. Generally 4. 14%~5.53% is very good! And its starting point is usually higher! Fifty thousand is the bottom line.
Second, there are many bancassurance products (products launched by insurance companies in banks), but now most of them are "capital preservation+floating", that is, the income is not fixed, depending on the investment income. It is possible that they will get a cost without income (which is rare), or their income is very high, far from being comparable to bank wealth management products.
The advantage of securities wealth management products is that they are given away for free and the expected income is higher;
The disadvantage of securities wealth management products is high cost (initial fee, management fee, redemption fee, etc. , but if its income is high, the cost can be ignored), its income is expected, not fixed! It is usually expected to be 7%~8%, and the life expectancy is usually more than two or three years or even more than ten years.
Third, the wealth management products of securities companies are hard to see, and bancassurance products may be possible. In this situation, it is difficult for securities companies to make financial products. Usually there is no guarantee of principal and income, which is the kind with high risk and high income.