Is it necessary for China Merchants Bank to make a risk assessment before purchasing personal wealth management products online?

The yield of bank wealth management products has increased, but some non-guaranteed floating income products have not reached the expected maximum yield. The expected income of products increases with the increase of risks, and high income is accompanied by high risks.

No matter what kind of wealth management products you buy, investors should read the product manual carefully and make a good risk assessment before buying high-interest products. Don't shoot blindly.

According to Yinlv.com database statistics, as of February 20th, 20 14 and 14, the average expected rate of return of RMB unstructured wealth management products in 20 14 was 5.27%.

Among them, the average expected return rate of non-guaranteed floating income wealth management products is 5.47%, the average expected return rate of guaranteed floating income wealth management products is 4.64%, and the average expected return rate of guaranteed income wealth management products is 4.60%.

It can be seen that the expected return of products increases with the increase of risks, and high returns are accompanied by high risks.

20 15 Bank of Communications Henan Branch will continue to provide a series of products for the elderly in the Central Plains, of which the product of "Steady Profit and Enjoy the New 55 Days" will be sold at a price of 50,000 yuan, which will be circulated every Wednesday, with an expected annualized rate of return of 5.3%.

According to the product manager of Personal Finance Department of Henan Branch of Bank of Communications, the risk grade of "Steady Profit Increase" series of wealth management products is 1R, which belongs to extremely low-risk products and is suitable for customers with conservative risk assessment.

China Net-If you want to buy wealth management products, do a good job of risk assessment first.