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43 million was cheated by the financial manager! How to buy bank wealth management is safe?
Banks are very strict about product promotion, so we should carefully review articles about related products. But every industry has employees with different qualities. If you contact a staff member alone, he will tell you something unreliable and promise some endless conditions. For example, the most common is to say? Can our products protect the capital and income? .
However, in fact, after the introduction of the new asset management regulations, bank financing broke the rigid redemption, and capital preservation financing did not exist at all. Moreover, the new regulations stipulate that financial subsidiaries can issue graded funds and directly invest in the stock market, which brings higher risks. For the sake of prudence, these people's opinions are used as reference.
2. What is the financial contract like?
Some friends may say that it is really unbearable to have such a long financial contract. Here are a few points that are easy to misunderstand, so you can pay special attention to them.
(1) Look at the underlying assets
Wealth management products are often packaged in a dazzling way with various names: XX Bao, XX Win, XX Platinum Plan and XX Wealth Plan. However, we must open these packages and look at the core basic assets, which are what you really buy. To put it bluntly, after the bank received your money, where did you invest it to help you earn these benefits?
For example, you can see that the money of this product is actually to buy some financial assets, such as bonds, interbank lending or other monetary products, which are relatively stable. But if you lend money to a bankrupt enterprise or invest in a car that can run on water, will you continue to buy this product?
Basic assets, or capital flow, investment target, asset composition, asset structure, etc. Will be clearly written in the formal contract. If you buy bank financing online, you can certainly find it in the product details, investment details and other sections. If not, you'd better think twice.
(2) Spontaneous or consignment products
Bank wealth management products, including bank-owned wealth management products and consignment products. Banks have their own wealth management products, because they have their own credit endorsements, which are relatively safe. Of course, mainly depends on the safety of the product. If the product itself is high-risk, it doesn't matter what organization issues it. Product consignment refers to commercial banks selling investment products of other cooperative institutions to customers through bank outlets or online banking. Banks are not responsible for the management of consignment products, and the products are guaranteed by the issuer's own credit. This requires us to identify whether the product is a bank or a consignment before purchasing the wealth management product. If it is a consignment, we must also find out the specific issuer.
Here, I'll tell you the easiest way, that is to log on to the authoritative website? China Finance Network? Asking. The bank's own wealth management products will mark the product registration code on the product manual. For consignment products, you need to go to the banking system and official website and other official channels to inquire about relevant information.
(3) The expected rate of return is not equal to the actual rate of return.
When selling wealth management products, banks may mark the expected rate of return, but the expected rate of return is not equal to the actual rate of return. The expected rate of return given by bank financing is annualized. Because the annualized rate of return is generally higher than the bank deposit interest rate in the same period, it has certain attraction.
For example, I bought a bank's 7-day wealth management product for 200,000 yuan, with an expected rate of return of 3.8%. When the wealth management products expire, the product settlement income is only 200,000 yuan. 3.8%? 365? 7= 146 yuan, not the 200,000 I expected? 3.8%=7600 yuan. Because, a 7-day wealth management product, the income amount is 7/365 of the annualized income.
(4) The boundary between the raising period and the liquidation period.
When we buy wealth management products, we often pay attention to the income and term, but ignore the collection period and liquidation period. General wealth management products will have a collection period before interest calculation, ranging from 7 days to one month. During this period, the funds we invested have no interest or only current interest. If the raising period is too long, the investment income will shrink. Liquidation period means that after the maturity of wealth management products, investors' principal and income cannot be received on the same day, but enter the product liquidation period, during which the bank does not pay interest.
For example, a bank launched a wealth management product with a term of 34 days, with an expected rate of return of 6.4%. The sales date of the product is March 65438+March 25th, 2009, and the bank will transfer the money to the investor's account within 2 working days at the latest (postponed in case of legal holidays). The expiration date of this product is April 29th. Considering the 2-day liquidation period and the 3-day extension of the May Day holiday, the bank has the right to pay the principal and interest of wealth management funds at the latest on May 4th.
If I bought this product on March 19, 2009, it means that this wealth management product with a 34-day investment period actually occupied 46 days of wealth management funds, of which only the current interest rate was enjoyed during the 7-day fundraising period and no interest rate was enjoyed during the 5-day liquidation period. Calculated, the actual rate of return is only 4.78%, which is far lower than the expected rate of return. So pay attention to the calculation of these dates when buying.
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