1, loss, most wealth management products are not guaranteed, which means you may make or lose money. If you redeem it after losing money, the money you get is naturally not as much as the principal when you buy it. For example, if you buy a wealth management product at a unit price of 5 yuan, you buy 100 copies and spend 500 yuan. But a month later, the unit price of this wealth management product fell to 4 yuan. At this time, if you sell it again, you can only get it to 400 yuan.
2. Fee deduction. There is a handling fee for the sale of wealth management products, which is mostly deducted at the time of redemption. For example, to buy a fund, redemption fee = total redemption amount * redemption rate, redemption amount = total redemption amount-redemption fee.
3. Only half or part of the share is redeemed, and most wealth management products are calculated by share. If you don't redeem it all at the time of redemption, then the redemption money will naturally be less, just like you bought a fund with 500 shares, but it is only suitable for 300 shares.
1. The national financial planner is a professional certificate of financial planner issued by the Ministry of Labor and Social Security.
1, 20 16 according to the decision of the State Council on canceling a batch of professional qualification licenses and confirmations (Guo Fa [2016] No.68), the State Council canceled the national financial planner, stopped organizing relevant examinations and issued relevant certificates.
Financial planning
2. Concept
Financial planning refers to the use of scientific methods and specific procedures to develop practical and operational financial planning for customers, mainly including cash planning, consumption expenditure planning, education planning, risk management and insurance planning, tax planning, investment planning, retirement planning, property distribution and inheritance planning.
3. Purpose
The purpose of financial planning is to enable customers to continuously improve their quality of life, even if they are old and weak or their income drops sharply, they can maintain the established standard of living. The goal of financial planning has two levels: financial security and financial freedom. Financial planning is a comprehensive process of evaluating the financial needs of individuals or families in all aspects. It is a comprehensive financial service that professional financial personnel analyze customers' life and financial situation by defining their financial objectives, so as to help customers make feasible financial plans.
4. Career introduction
Financial planner is a professional who provides comprehensive financial planning for customers. Financial planner refers to a person who provides comprehensive financial consulting services for individuals, families, small and medium-sized enterprises and institutions by using the principles, techniques and methods of financial planning. Financial planning requires providing all-round services, so financial planners are required to master all kinds of financial tools and relevant laws and regulations, provide tailor-made and feasible financial plans for customers, and meet customers' long-term and ever-changing financial needs in the process of constantly revising the plans.