A woman in Beijing bought "Wealth Management" for 3.2 million yuan, leaving only 2 190 yuan. What warnings did the incident bring?

A woman in Beijing bought it for 3.2 million yuan? Financial management? Only 2 190 yuan is left, and these warnings are behind the incident: 1. Investment should be cautious, not greedy. 2. Know how to distinguish between wealth management products and funds. 3. Banks should truthfully inform the risks.

In our daily life, we always make some investments to ease the financial pressure of our families, and this incident also alludes to many people's desire for wealth. Ms Jiao of Beijing bought 3.2 million wealth management products under the deception of the bank manager. Unexpectedly, after a period of time, she got only 2 190 yuan. Ms. Jiao took the bank to court, and the court finally ruled that the bank should bear 50% of the liability for compensation.

First, investment needs to be cautious and not greedy. It is clear that it is not easy to invest in a woman in Beijing. According to the truth, bank wealth management products are relatively stable, but Ms. Jiao bought a money fund, so she lost so much. If Ms Jiao didn't listen to the bank manager, she wouldn't be driven by interests, and she wouldn't lose so much money.

Second, we must know how to distinguish between wealth management products and funds. Most of the bank's wealth management products are relatively stable, and they do not charge subscription fees and redemption fees, while the fund risks are relatively large. Because the fund is not a capital preservation product, there will be losses. At present, most funds in the market invest in a basket of stocks, so the investment risk of funds is relatively high.

Third, banks should truthfully inform the risks. Although the bank thinks this is the personal behavior of the bank manager, I think the bank is also responsible for improper supervision, because before the customer buys the bank products, the bank staff should fulfill the risk notification obligation and then let the customer choose. However, Ms. Jiao herself is also responsible for this matter. As an adult, Ms. Jiao should know the risks of wealth management products. I hope that after this incident, Ms. Jiao can have a certain risk awareness of her property.