Bank financing is not unfamiliar to everyone, but investors do not know that bank financial managers are sometimes not reliable, for their own interests, will introduce investors into misunderstanding, today we will solve the trouble for investors .
How to invest in financial management
First, recognize the risk level
According to the product risk characteristics, the general bank divides the risk of wealth management products from low to high into five levels of R1-R5:
R1, cautious or low-risk, this level of wealth management products guarantees the income of the insurance, the risk is very low;
R2, robust 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 are not guaranteed, the risk is moderate;
R4, aggressive or higher risk, this level of wealth management products are not guaranteed, the risk is greater;
R5, aggressive or high-risk, this level of wealth management products are not guaranteed, the risk is great.
Therefore, when investing in wealth management products, you should pay attention to the risk level in the product manual, purchase the wealth management products that suit you, and do not blindly pursue high profits.
How to manage money best
Second, attach importance to risk evaluation
Risk assessment tests are required before going to the bank for the first time to purchase wealth management products. According to the regulations of the China Banking Regulatory Commission, investors can only purchase products with a risk level corresponding to their risk tolerance. If your risk assessment results are robust, then you can only buy R1 and R2 products.
However, in order to increase sales, many bank financial managers will guide customers or even substitute customers to fill out risk assessment tests to ensure that products are not restricted. For customers, the purchase of “risk exceeds the standard” products, the principal and income may face the risk of exceeding their own ability. Therefore, the risk assessment test must be done carefully and cannot go through the game.
Third, see the rate of return
When buying wealth management products, investors are most concerned about the rate of return, but it should be noted that the expected rate of return refers to a valuation of the rate of return of the bank when issuing wealth management products, and does not represent the actual rate of return of the product.
Take structured financial products as an example. Although these products have a high maximum expected rate of return, the returns fluctuate greatly, and it is very likely that the maximum expected rate of return will not be reached at maturity.
Fourth, avoid the "recruitment period" loophole
There are two periods to pay attention to when purchasing wealth management products. One is the recruitment period and the other is the investment period. Usually, bank wealth management products do not enjoy income during the fund raising period and the liquidation period, which is calculated based on the interest of the current deposit.
For example, a product will start selling on August 5, and it will be raised on August 10, and interest will be calculated on August 11. That is to say, if you buy this product on August 5, there is no profit in the 6 days from 5th to 10th, and you can only calculate it according to the current interest rate of 0.35%.
Therefore, try to buy medium- and long-term wealth management products, or products with shorter collection period, and reduce capital time loopholes.
5. Is it a bank wealth management product?
Do not think that the bank's wealth management products are issued by the banks themselves. In fact, in addition to selling their own products, banks will also help some third-party agencies to sell products, such as trusts, insurance, funds and other companies to issue wealth management products.
In order to earn a higher commission commission, wealth managers often use high-yield as a bait to sell these consignment products to customers.
Investors need to carefully screen before buying, focusing on whether there is a bank official seal on the contract. In addition, the high-yield products recommended by the financial manager should be rational and ask the product attributes and issuers.
When you buy a bank, you should remember to keep your mind. It is best to check the relevant information of the wealth management products through the bank's official website or the official customer service phone. It is important to note that the wealth management products are not bank deposits. Therefore, investors are advised to rationally diversify asset allocation.
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