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Five hidden rules of banking money you understand?

Edit: 820 Source: stock market network Date: 2018-01-12

Summary:

In order to earn a higher commissions commission, financial managers tend to be high-yield bait, to sell these customers consignment products.

I believe that wealth management is no stranger, but investors do not know is that banks sometimes do not fly money managers, out of their own interests, investors will be misunderstood, today we will untie the cat for the investors .

How to invest in wealth management

First, recognize the risk level

According to the product risk characteristics, the average bank will be divided into the risk of financial products from low to high R1-R5 total of 5 levels:

R1, cautious or low risk, this level of wealth management products guaranteed benefits, the risk is low;

R2, stable or low risk, this level of wealth management products are not guaranteed, the risk is relatively small;

R3, balanced or medium risk, this level of wealth management products not guaranteed, moderate risk;

R4, Aggressive or high risk, the level of wealth management products not guaranteed, with greater risk;

R5, aggressive or high-risk, this level of wealth management products not guaranteed, the risk is enormous.

Therefore, investment in the purchase of financial products should pay attention to the risk level in the product manual, buy your own financial products, do not blindly pursue high yields.

How to finance the best

Second, attention to risk assessment

For the first time to the bank to buy financial products before the risk assessment test. According to the regulations of China Banking Regulatory Commission, investors can only buy products with corresponding or lower risk levels of their own risk tolerance. For example, if your risk assessment results are robust, you can only purchase R1 and R2 products.

However, in order to improve sales, many bank financial managers will guide customers to fill in risk assessment tests even on behalf of clients, so as to ensure that they can purchase products without restrictions. For customers, buying "over-risk" products, their principal, and their returns may expose themselves to risks beyond their own capacity. Therefore, risk assessment test must be done seriously, can not go through the field.

Third, see the rate of return

Investors are most concerned about the rate of return when buying wealth management products, but note that the expected rate of return refers to the banks in the issue of financial products, an estimate of the rate of return, does not represent the actual rate of return of the product.

Take structured financial products as an example. Although such products all have a higher maximum expected rate of return, their returns fluctuate greatly and are likely to fail to reach the maximum expected rate of return on maturity.

Fourth, to avoid "raise period" loopholes

Buy financial products to pay attention to two periods, one is the recruitment period, the second is the investment period. Usually bank financial products in the fund-raising and liquidation period does not enjoy the benefits, is calculated according to the current deposit interest.

For example, a product started sales on August 5, August 10 to raise the end, August 11 start interest. In other words, if you purchase this product on August 5, there will be no profit for the 6 days from the 5th to the 10th. You can only calculate the current interest rate at 0.35%.

So try to buy long-term wealth management products, or raise a shorter period of products, reduce funding time loopholes.

Fifth, screening is whether the bank financial products

Do not think that banks sell financial products is the bank's own issue, in fact, in addition to selling their own products, banks will help some third-party agency consignment products, such as trusts, insurance, funds and other companies issue financial products.

In order to earn a higher commissions commission, financial managers tend to be high-yield bait, to sell these customers consignment products.

Investors need to carefully scrutinize before buying, focusing on whether there is a bank seal on the contract. In addition, the high-yield products recommended by the financial manager should be rational and the product attributes and issuers should be clarified.

In the purchase of bank financial management to remember more to keep a mind, it is best to check through the bank's official website or the official customer service call to check the relevant information on financial products, need to be aware that financial products are not bank deposits, therefore advising investors to decentralize the allocation of assets.

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