Fixed income means that income is fixed. But not all fixed-income products guarantee the principal and income. Fixed-income products can get expected returns without saying anything unexpected. However, if an accident happens to the invested assets, the losses will be borne by the investors themselves, so generally speaking, fixed-income products do not break even.
Extended data:
I. Introduction of ICBC Wealth Management Co., Ltd.
ICBC Wealth Management Co., Ltd. (hereinafter referred to as ICBC Wealth Management) is a wholly-owned subsidiary of Industrial and Commercial Bank of China. It was established in May of 20 19 with a registered capital of1600 million yuan. In order to meet the requirements of the new asset management regulations of China Banking Regulatory Commission, ICBC Wealth Management, which is independent from the Asset Management Department of China Industrial and Commercial Bank Head Office, is the first batch of financial management subsidiaries of commercial banks with the largest assets under management in China. ICBC Wealth Management is mainly engaged in asset management related businesses such as issuing corporate wealth management products, issuing private wealth management products, wealth management consultants and consulting. Under the strategic system of the Group's asset management, ICBC Wealth Management adheres to the goal of "being the first in China and the first in the world" with a global strategic vision and leading industry structure, and builds the core platform and flagship brand of ICBC's asset management business, so as to gather more strength for the development of China's multi-level capital market.
Two. ICBC Wealth Management _ Hengrui Yi Rui Fixed Income Category
Closed wealth management products (2 1GS6830)
This product is issued and managed by ICBC Wealth Management Co., Ltd. All product elements and trading rules are subject to legal documents such as product specifications.
1, operation ideas
Capture the excess returns of various assets through quantitative strategy combination, realize flexible allocation in fixed income, equity, derivatives and other assets, and dynamically adjust the asset allocation ratio according to market conditions. Relying on the manager's rich experience in asset allocation, we can make multi-asset investment through independent investment or selecting excellent managers, and at the same time use quantitative hedging model to reduce portfolio risk and retracement to meet customers' risk-return preferences and investment needs.
2, the manager's market prospects.
At present, the credit risk in the bond market is increasing, and the overall downside systemic risk in the equity market is not great, but the upside depends on the marginal changes in corporate profitability and liquidity. In the future, the style will be more balanced and the industry will rotate more frequently. Considering that the cost performance ratio of stock and debt assets is at the central level, this year we will respond to the investment opportunities and risks in the market with more absolute income.
3. Investment team
At present, the Quantitative Investment Department of ICBC Wealth Management has 1 1 investment managers, all of whom have master's degrees or above, and have complex professional backgrounds such as mathematics, computer, statistics and financial engineering. Formerly the earliest quantitative investment team of bank asset management institution in China, it was established on 20 1 1. The Quantitative Investment Department of ICBC Wealth Management issued and managed a number of quantitative strategic wealth management products and index wealth management products, and grasped investment opportunities in bond, stock and commodity markets with diversified investment strategies.
4. Risk warning
This report is based on the materials provided by the organization to our department and published information, and our department does not guarantee the authenticity, accuracy and completeness of the information. The above products are issued and managed by ICBC Wealth Management Co., Ltd., and China Industrial and Commercial Bank, as the sales organization of wealth management products, does not undertake the responsibility of product investment redemption and risk management; There is no guarantee that this product will be profitable, and there is no guarantee that the minimum income or principal will not be lost. The investment products mentioned in this article may not be suitable for all investors, so please make a decision according to your own specific situation. The product performance comparison benchmark is only used as the basis for the manager to calculate the performance reward, which does not represent the actual income that can be obtained by investing in the product, and does not constitute a commitment to the customer's principal and minimum income. Please read the relevant agreements, product manuals, risk warnings and other legal documents carefully before purchasing the products. Specific information shall be subject to legal documents such as product specifications.