Financial channel> Banking and Finance> How to choose T+0 wealth management products?

How to choose T+0 wealth management products?

Edit: Rong 360 finishing Source: Rong 360 Date: 2014-03-24

Summary:

Bank T+ 0 wealth management products are valid for purchase and redemption, and funds are available in real time. Therefore, it is popular among investors. However, bank T+0 wealth management products also have certain risks, so how to choose bank T+0 wealth management products? There are several things to note below.
  
 
Bank T+0Financial productThe implementation of "purchase, redemption is effective immediately, funds in real time to account." Therefore, it is popular among investors. However, the bank "T+0"Financial managementProducts also have certain risks, so how to choose bank "T+0" wealth management products? There are several things to note below.

No.1Risk clauseBank T+0 wealth management products may also face various investment risks, such as market risks caused by changes in asset prices caused by changes in international and domestic financial markets, credit risks that corporate bonds and loan companies cannot pay on time, and customer principal and income may be Delayed redemption of liquidity risk and policy risk, etc., to ensure that all financial risks are within their own tolerance.

  No.2Redemption time: Such products shall agree on the redemption time in advance on each trading day. Investors should arrange the funds in and out reasonably within the specified trading time so as not to affect other investment operations.

 No.3Income terms: Each "T+0" wealth management product will stipulate the frequency and method of its own earnings announcement. Most banks publish the earnings of the previous trading day, butEverbright BankThe current life-saving treasure announces the expected annualized rate of return from Wednesday to next Wednesday, which is conducive to improving the accuracy of capital decisions.

  No.4Huge redemption clauseMost banks set a large redemption limit for redemption of such products, so if they encounter new shares, investors can redeem them in advance to avoid the embarrassment of funds.

 No.5Fee terms: Although there is generally no subscription or redemption fee, banks usually deduct lower product management fees and custody fees.

Bank T+0The wealth management products have higher thresholds than demand deposits and generally do not fall below 50,000 yuan. Banks also set different rates of return for different levels of investors. Generally speaking, the larger the amount, the higher the rate of return.
 
  

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