The implementation of "sales and redemption is effective immediately and funds are available in real time." Therefore, it was favored by a large number of investors. However, the bank "T+0"Financial management
The product also has a certain degree of risk, so how to choose the bank "T + 0" financial products? There are several aspects to note below.
: Bank T+0 wealth management products may also be subject to various investment risks. For example, changes in international and domestic financial markets lead to market risks caused by changes in asset prices. Corporate credit and loan companies cannot redeem their credit risk and customer principal and earnings may be Delay the redemption of liquidity risks and policy risks to ensure that all financial risks are within their own tolerance.
: Such products are stipulated in advance on the date of redemption on each trading day. Investors should reasonably arrange funds in and out within the prescribed trading hours so as not to affect other investment operations.
: Each “T+0” financial product will specify its own frequency and method of revenue disclosure. Most banks publish daily earnings from the previous trading day, butEverbright Bank
The Futures Bank announced the expected annualized rate of return from Wednesday to Tuesday every Wednesday, which will help improve the accuracy of financial decisions.
No.4Huge redemption terms
: Most banks set large redemption limits on the redemption of such products. Therefore, investors may redeem in advance if they encounter new stock subscriptions, etc., so as to avoid the possibility that funds cannot be taken out.
: Although there are generally no purchase or redemption fees, banks usually deduct lower product management fees and custody fees.
Compared with current deposits, wealth management products have a relatively high threshold, generally not less than 50,000 yuan. Banks also set different levels of returns for investors at different levels. Generally speaking, the larger the amount, the higher the rate of return.