Six Important Points For Buying Bank Financial Products Must Be Grasps.

Compared with the stock market, bank financing products are relatively low risk and relatively stable earnings. Indeed, it is the first choice for many investors.

But we must bear in mind that bank financing is not absolutely insurance.

If you are interested in investing and financial management, you can take a careful look at it.

Six points for attention in buying bank financial products:

1, bills, bonds and currencies are the real risks.

Recently, due to strict management, bank financing products are decreasing. Most of the offering is expected rate of return is not too high, mainly in bills, bonds and money markets.

Although no commitment is guaranteed, it is suitable for the vast majority of investors.

It should be noted that the expected rate of return is very different from that of other channels.

In the current financial market, what can really be called "no risk" is actually the three investments.

2, careful choice of structured products.

The expected rate of return of structured products is an interval, which can be classified as guaranteed capital, guaranteed minimum income and non guaranteed capital. Such products tend to have a higher expected yield, but the lowest expected rate of return is different.

The linked products of structural products are more marked. The main selling stocks, exchange rate, fund, interest rate, commodity, credit, index and these combinations should be chosen as far as possible.

History has proved that many structural products have the possibility of obtaining the expected minimum yield only.

Most of the structured products are guaranteed. Some products are 100% guaranteed and some are guaranteed, such as 95% or 90% of the principal.

If 100% guarantees the production of the principal, the worst case is the zero yield, but it will not lose the principal.

3, do not pay too much attention to fluctuations in net worth products.

Since the regulation of financial products is becoming more stringent, more and more "fund" financial products are allocated to products that are based on real investment assets and net value.

Similar to the purchase fund products, investors who purchase net worth financial products will face more uncertainties. They may not only enjoy higher profits, but may also have bigger losses.

From the perspective of risk and return, this is the biggest fluctuation in bank financial products. Therefore, the management fees of products are generally linked to performance, and the requirements for investors are relatively high.

Xiao Bai do not read.

4, read carefully the instructions for financial products.

It's a good habit to buy everything. It's a good habit. The key to financial products is risk.

For example, if you want to buy a product sold by a bank, you need to see if the contract has been written clearly. For example, if you want to buy a product with a guaranteed percentage of 95%, you need to see if there is any indication in the contract.

If you do not understand the regulations, do not pretend to understand it, ask the salesperson in time, or let people who know the finance at home to accompany you to buy.

Bank financing is tricky, and some products have high service charges.

When you buy, you should consult the salesperson's expense carefully.

It is important to remember that the payment can be made without knowing clearly.

5, keep your risk level in mind.

Regulators provide that products with different risk ratings can only be sold to investors above the corresponding rating.

Because there is no uniform regulation on the risk classification of financial products, banks have adopted different symbols for the risk grade of financial products.

Risk rating is generally determined according to the investment scope, risk return characteristics and liquidity of financial products.

It includes: R1, R2, R3, R4 and R5.

R1 and R2: the scope of investment is basically the same.

Exchange market bonds, capital lending, trust schemes and other financial assets.

Generally speaking, the R1 level has a higher proportion of investment in low risk parts, and usually has a break even clause, that is, our common products such as "guaranteed capital or income class" or "guaranteed floating income class".

Class R3: the products of this level can be invested in low volatility financial products such as bonds and interbank stores. They can also invest in high volatility financial products such as stocks, commodities and foreign exchange, and the latter's investment ratio should not exceed 30% in principle.

This level does not guarantee the repayment of principal, and has a certain amount of principal risk. The proportion of guaranteed principal part of structured products is generally over 90%, and yields fluctuate and fluctuate.

Class R4: the ratio of high volatility financial products such as stocks, gold, foreign exchange and so on can exceed 30% at the same level, which does not guarantee the repayment of principal, the risk of principal is bigger, the floating rate of earnings fluctuates, and investment is more vulnerable to market volatility and policy and law changes.

Class R5: this class of products can be fully invested in various high volatility financial products such as stocks, foreign exchange, gold, etc., and can be used for investment operation by means of derivative pactions, delamination and other leveraged amplification.

The principal risk is huge, and the return is fluctuating and fluctuating. Investment is more vulnerable to market fluctuation and risk factors such as policies and regulations. Of course, the corresponding expected revenue will be higher.

6, buy

There is also a simple way of judging whether there is a word "stock" in the product portfolio, if there is a risk level of at least R3.

Financial products are mostly invested in non-standard assets such as money market, bond market, securities fund, central bank bills and so on. Very few other bank financial products will invest in physical projects.

But the "fly alone" product is mainly invested in physical projects, usually in the form of equity, bonds and other forms of investment in a certain enterprise or certain project.

There are also some "Fei Shan" products that invest in the stock market or overseas market.