bohemian jewelry wholesale What are the main types of wealth management products including wealth management products, including what are the main types of wealth management products

14kt jewelry wholesale According to different currencies, wealth management products generally include two categories: RMB wealth management products and foreign currency wealth management products.

If according to the different ways of obtaining the income, wealth management products can also be divided into guaranteed earnings wealth management products and non -guaranteed revenue wealth management products.

Keng's guarantee wealth management product refers to the payment of fixed income to the customer in accordance with the agreed conditions. Risk, other investment income is allocated by banks and customers in accordance with the contract, and jointly undertakes relevant investment risks wealth management products.

The non -guaranteed revenue financial management can be divided into capital -keeping floating income wealth management products and non -fundamental floating income wealth management products. The capital -keeping floating income wealth management product refers to a wealth management product that commercial banks guarantee the principal to pay the principal to the customer in accordance with the agreed conditions. The investment risks other than the principal shall be borne by the customer and determine the actual income of the customer in accordance with the actual investment income. Non -guarantee -based floating income wealth management products refer to wealth management products that commercial banks pay their customers with their customer principal security according to the agreed conditions and actual investment income.

The main types of wealth management products:

Ber bank wealth management products have different investment areas. Types and QDII types are several types.

The bond wealth management products refers to banks that mainly invest in the currency market, and generally invest in central bank bills and short -term financing vouchers. Because the central bank bills and enterprise short -term financing coupons cannot invest directly, such RMB wealth management products actually provide customers with opportunities to share the investment income of the currency market. Bond products are the only variety of early bank wealth management products. Among these products, a financial contract that expires the principal and interest payment between individual investors and banks, and the funds are handed over to the bank in the form of deposit. The main targets of investment include short -term government bonds, financial bonds, central bank bills, and financial instruments with short periods of time and low risk. On the date of interest, the bank returned the income to investors; on the principal repayment, the bank repaid the principal of the individual investor in full.

The trust products that are mainly invested or repurchased by financial institutions with high -level financial institutions with high -level credit levels are mainly invested in commercial banks, and some products investing in the beneficiary trust trust in commercial banks. For example, a bank has launched a three -party cooperation of a bank, trust, and guarantee company. The funds raised by the product are invested in the priority benefit file of an international trust investment Co., Ltd.'s securities investment trust plan. The main investment target of the trust plan is the stock pool, open funds and closed funds based on component stocks.

This linked local currency wealth management products, also known as structural products. Its principal is used in traditional bond investment, and the final yield of the product is linked to the performance of related markets or products. Some products are linked to the interest rate interval, some are linked to the US dollar or other free exchange rates, and some are mainly linked to the price of commodities, and some are linked to the stock index. In order to meet the needs of investors, most of these products are designed to be used as insurance products at the same time, which are particularly suitable for consumers with strong risk tolerance and strong judgment of financial markets. In particular, the stock -linked products have gradually transitioned from the linked exchange rate products to the hook -Hang Seng and State -owned Enterprise Index, and then become linked products under various concepts. The types are very rich. Capital market -oriented wealth management products are actually fund funds. Wealth management products are invested in the stock market. Through the professional financial management of a trust investment company, bank customers can share the high growth of the stock market, but also can effectively avoid risks due to the guarantee company's guarantee.

qdii -type home currency wealth management products, simply speaking, the customer entrusts the RMB funds in their hands to the commercial bank certified by the regulatory authority. The US dollar income and principal settlement into Renminbi are allocated to customers' wealth management products. For example, the "Tongsheng No. 3" stock connected wealth management product sold by Everbright Bank is invested in the world -renowned financial company stocks. Goldman Sachs Group, HSBC Holdings, Swiss Bank. The financial period is 18 months, and the principal of 100%is also guaranteed.

greek sorority jewelry wholesale If you want to invest, it is recommended to do P2P financial management.

lula and lee jewelry wholesale 1. Deposit, the interest is too low;
2. Wealth management products, the threshold is high and the yield is not high;
3. Yu'ebao, the income will only be lower and lower; Filtering the fund has experienced suffering, and the income cannot be higher than the bank;
5. Stocks, the restricted area of ​​heart disease, I don't think this is a suitable investment target for most people; The threshold is too high
7, P2P, and the income is high. As long as you choose a platform where the risk control is better, you can invest with confidence. The fixed income model is also in line with most people's investment preferences, so naturally it becomes some people. The choice of annualized income does not exceed 15%.