Is the wealth management product of Bank of Communications a deceptive financial management?

The steady growth of Bank of Communications is a wealth management product with guaranteed capital.

This kind of wealth management products is suitable for conservative, steady, balanced, growth, enterprising and radical people to invest. The funds of such products are managed by the Bank of Communications in a unified way, and the principal and income can be guaranteed. Moreover, Bank of Communications has marked the words "guaranteed capital and guaranteed income" in the product manual, and the product term is divided into 1 month, 3 months and 6 months. Generally speaking, the bank's wealth management products have little risk and guaranteed income, so there is no need to worry about such wealth management products.

What about the wealth management products of Bank of Communications?

The series of products of "steadily increasing profits" launched by Bank of Communications is such a wealth management product with guaranteed capital and guaranteed income. The funds for such products are managed by Bank of Communications in a unified way, and invested in money market and bond market instruments as well as financial derivatives with public ratings above investment grade. Therefore, its principal and income can be guaranteed, so Bank of Communications dares to indicate the guaranteed income in the product manual. The release period of such products is divided into one month, three months and six months. Weekly circulation sale, seamless docking, short value day (generally 2-3 days after issuance, 5-6 days for term products), and arrival time T+0 days (T+ 1 day for non-guaranteed floating income products). It has the characteristics of strong security, early interest rate and quick receipt. Of course, more investors are also concerned about returns. Has a careful customer calculated such an account?

For example, if a customer invests RMB 654.38+10,000 in our wealth management products, we will compare the 36-day stable profit increase with the 33-day non-guaranteed profit increase (assuming that the expected income can be realized). After reading the above example, which product would you choose if the actual joining date was the same? I will definitely choose to protect the principal and the income.

Many investors will say that it is illegal for me to manage 50,000 yuan. It's actually wrong. You can manage your money every month. Bank of Communications "salary wealth management" business monthly income 10% or more signed. As long as you have a savings card of Bank of Communications, as long as you set the deposit amount and the current account has funds, you can automatically open a one-year installment account for you. The income is 8 times of the current period, saving time and effort! 65438+Come to Bank of Communications at the end of February to sign a contract for two months, and you can also send phone bills! (Monthly financial advice can be salary management, fixed investment fund and fixed investment in gold. Of course, it must be recommended according to the risk tolerance of investors).