Before purchasing wealth management products, it is recommended that you read the contract and pay attention to the scope of investment target and risk introduction.
First, after the implementation of the new asset management regulations, capital-guaranteed wealth management products will gradually withdraw from the market, and the risk of wealth management will increase.
Investors should watch more news broadcasts, understand the future trend and avoid risks as much as possible. After the implementation of the new asset management regulations, capital-guaranteed wealth management products will gradually withdraw from the market, and the core is to break the rigid redemption. From a personal point of view, although rigid redemption is beneficial to investors, banks have to bear risks. Once wealth management products encounter a wave of debt default, the risk of banks should not be underestimated. Obviously, after banks no longer take risks, all risks will be borne by investors.
Before, the bank's fund pool was reasonable, and the losses could be made up by higher interest rates, thus achieving rigid redemption. When the fund pool is banned, the profit and loss of each fund is clear at a glance, and the probability of loss is greatly increased.
Second, the wealth management subsidiary has been established, and the future wealth management funds will enter the stock market, making it more difficult to stabilize profits.
The establishment of financial subsidiary further blurs the boundary between financial products and Public Offering of Fund. A large amount of funds can enter the stock market, which is good for the stock market, but for investors, when making money, they can get very little profit. Once they lose money, they all lose money. From this perspective, it is better to directly invest in index funds.
The subsidiary of the bank has been legally separated from the bank, and even if it goes bankrupt, it will not affect the bank, which will increase the security of the bank. Accordingly, without bank credit endorsement, the credibility of consumers will be reduced. Once the subsidiary is more radical and the risk control is weak, the probability of more losses will greatly increase.
Third, as the central bank RRR cuts interest rates to release liquidity, the yield of wealth management products declines and the investment value is greatly discounted.
At present, the average yield of wealth management products is basically below 4.20%, which is basically equivalent to the bank's three-year deposit interest rate. It should be noted that the expected income of wealth management products is not equal to the real income. Due to the instability of income, if you buy wealth management products for three years in a row, the final income often won't win a three-year certificate of deposit.
Certificates of deposit, national debt and structured deposits have all become strong competitors of wealth management products. At present, wealth management products have no obvious advantages except shorter term and better liquidity.
High-yield wealth management products are risky, and wealth management products that can reach 5% are basically non-guaranteed. If liquidity requirements are not high, five-year deposits of private banks or cash management products based on them are also good choices. After all, the latter is safe and secure.