How to understand financial management, how to worry about financial management, is the ordinary residents in the financial needs of the lesson before the lesson. selectBank financial productsYou know this knowledge.
01Financial productIt will be a loss
In recent years, the bank financial products market is extremely hot, many people on the bank financial products impression is: low risk, higher than the yieldTime depositThe 2012
Year, a number of banks broke the bank financial products "zero income door", "negative income door" event.
Investors to understand that the financial products is only legendary legend, and some financial products expire, there may not be expected earnings, and some even the principal is not guaranteed.
02Recruitment period hidden mystery, financial income will be "diluted"
In general, the bank will claim that the bank financial products in the fund raising period and the liquidation period does not enjoy the benefits, is calculated on the basis of demand deposits. If investors buy earlier, and the product's raise and liquidation period is relatively long, then the actual rate of return will be pulled low.
03Expected return is not equal to the actual income
A commercial bank to promote one-year RMB financial products expected return rate of 15%
about. But a year later, the financial products, the annual income of only 10%. However, not all financial products can achieve its commitment to the rate of return. So choose the bank financial products, do not light staring at the yield.
04Risk tips must be seen
The bank will be in accordance with the requirements of the relevant departments in the bank financial product brochures and contracts, the risk tips to do the so-called expression, but those risk that due to too professional or even filled with various technical terms, for investors and not much value. Many banks issued financial products manual up to ten pages, but the inherent risk of revealing the product, most of the marketing nature of the language, rather than the objective depth of analysis.
05Do not touch the "Overlord terms" of financial products
In the bank financial product brochures, some of the design terms tend to favor the bank, investors should be careful of such financial products, try not to touch. For example, in some structural financial products in the instructions, the provisions of "more than expected the annual rate of return will be the highest part of the bank will be the cost of investment management."