Is it necessary to deduct money from Bank of Communications financial redemption? I withheld the principal. What's the point of buying it? Does anyone understand?

Some are like this, but some don't charge redemption fees, and some already include redemption fees. There are all kinds of situations. Think carefully before buying financial management, and the most important thing is to be able to understand it. There are some rules and regulations in it, and financial management is not easy to understand. It will take many years to really learn how to manage money. Whatever you want, that's probably it.

1. What are the types of wealth?

Since 20 12, with the gradual implementation of a series of national financial policies, it has opened up a broader development space for the investment and wealth management market. There are many hot spots in personal investment and financial management. Let me introduce some to you:

1, savings

Saving, or saving, is not only a welcome investment behavior of ordinary families, but also the most commonly used investment method. Compared with other investment methods, savings are safe and reliable (protected by the Constitution), with convenient procedures (savings outlets all over the country) and flexible inheritance. Savings is a business in which banks mobilize and absorb residents' surplus monetary funds in the form of credit.

After banks absorb savings deposits, they put funds into social production in various ways to earn profits. As the cost of using savings funds, banks must pay interest to depositors. Therefore, for depositors, participating in savings not only supports national construction, but also increases or preserves the value of their remaining monetary funds, which becomes a family investment behavior.

2, speculation in gold

Since the Bank of China launched the "Jinbao" business for individual investors in Shanghai, gold speculation has been a hot spot in the personal finance market, attracting investors' attention and favor. Especially in the past two years, the international gold price has continued to rise. It can be predicted that with the gradual opening of the domestic gold investment field, the future gold demand growth potential is huge. Especially after 2004, the pricing method of domestic gold jewelry will gradually change from the integration of price and fee to the separation of price and fee. It is estimated that the cancellation of 5% consumption tax on gold jewelry will greatly promote the promotion of gold investment. Speculation in gold will also become a bright spot in the field of personal finance, and truly enter the golden age of investment and financing.

3. Funds

Since the successful issuance of the first batch of closed-end funds in 1997, the fund has been highly praised by domestic individual investors. As of 20 12, funds have greatly surpassed deposits and become the top priority among many investment and financial highlights. According to relevant data, the net value of domestic funds has exceeded 200 billion yuan. According to the survey, in 20 13 years, many investors are still very optimistic about the advantages and characteristics of stable income and low risk of the fund, hoping to obtain ideal income through fund investment. [3]

4. Stock trading

Some experts have analyzed that the future situation of capital supply and demand is relatively optimistic, which is undoubtedly a shot in the arm for the capital-driven China stock market. In addition, the CSRC has put forward stricter requirements for the performance measurement and financing amount of listed companies, and strengthened the supervision of the stock market, which will bring profit opportunities for investors. But the biggest feature of the stock market is uncertainty, opportunities and risks coexist. Therefore, investors should continue to be cautious and invest in a timely manner. Although the scope of interest tax collection also includes the interest of individual stock accounts, the state will continue to implement the policy of temporarily exempting the income from stock transfer. Therefore, after interest and tax, careful intervention in the stock market is also an effective way to manage money. Put your current deposit into your personal stock account, and you can use the money to subscribe for new shares. If you are lucky and win the lottery, you can make a stable profit after listing. Even if you don't win the prize, there is still current interest. If the economy is in good condition, you can take certain risks or buy stocks in the secondary market. Gold, real estate and stocks are regarded by economists as the three major investment hotspots in the world. As a kind of securities issued by a joint-stock company to set up a fund, stock is an equity certificate that proves that investors invest in stocks and get dividends. It has entered thousands of households and become an important target for many families to invest. Stock investment has become a hot topic for ordinary people. With the characteristics of high return, high risk, transferability and flexible trading, stock has become a powerful force supporting the development of China stock market.