10,000 yuan in financial management only earned 9 yuan in 1 year?Why does "Financial Assassin" appear frequently?

Recently, the issue of wealth management products has attracted the attention of the entire market. The reason is that an investor spent 10,000 yuan to buy financial management and finally made only 9 yuan. Many people exclaimed that it was a "wealth management assassin". this matter? How did "Financial Assassin" appear?

1. 10,000 yuan in wealth management only earned 9 yuan in 1 year?

According to the Beijing Youth Daily, after the "ice cream assassin" caused heated discussion, many investors also encountered the "wealth management assassin" on the Internet platform. The actual income of the bank wealth management products they purchased is far from the benchmark. Beijing Youth Daily reporter found that under the background of the decline in market interest rates, a number of banks recently issued an announcement to reduce the performance comparative benchmark of wealth management products. Essence

"I put more than 170 days in 476 days, and marked 4.4%of the benchmark when I bought it, and there are too many worst." At the end of June, netizens Xiaosi posted a screenshot of the page where his financial management funds expired on social networking sites I am disappointed with my gains.

The reporter from Beiqing Daily checked the bank's official website and found the expiration information announcement of this product. This product is a fixed -income closed wealth management product issued by a state -owned bank wealth management subsidiary in early March last year. The risk level PR3 has an investment period of 476 days. The expiration date is June 27 this year. The performance of this product's performance is 4.4%, but the net value of the date of date is only 1.0035. The reporter of Beiqing Daily roughly calculated that its actual annualized yield was about 0.27%, and 1/16 of the performance comparative benchmark was less than 1/16.

Another netizen Xiaoli also bought a closed wealth management product with a risk level of this wealth management subsidiary. The investment period is 15 months. The expiration date is April 26 this year. annualized).

The reporter from the Beijing Youth Daily found from the bank's official website that the net value of the product's due date was 1.0009, which means that 10,000 yuan was invested for 15 months and could earn 9 yuan. Rough calculation, the actual annualized yield is about 0.072%, which is about 1/60 of the performance benchmark, and it is even equivalent to only 1/3 of the custody rate of 0.20%.

According to statistics from Puyi Standard, 12,380 products in closed products due in the first half of 2022 disclosed the performance of performance comparative, and 9.42%of the product revenue did not reach the performance comparison base center. In other words, among the products expired in the first half of this year, the number of products that have not reached the standards are close to 1,200.

It is worth noting that some wealth management companies have a benchmark for the performance of the product performance. BOC Finance issued an announcement on July 29 that according to market conditions, the company intends to adjust the performance comparative benchmark of "BOC Financial Management-Stability (Moon and Moon) 0102" from August 3, from 2.50%-3.80 %(Annualized) adjustment to 2.30%-3.60%(annualization), which is reduced by 20 on the basis of the original performance benchmark.

2. Why do "wealth management assassins" appear frequently?

To be honest, when you see such financial products, many people will be strange that the final return of this wealth management product is no longer described as huge than the expected income gap they mentioned earlier. Why is there such a phenomenon? Where is the reason for the current wealth management product?

First of all, rigid redemption has long become history. In the history of the development of the Chinese wealth management market, rigid payment was the most concerned thing in the entire market. At that time, due to historical reasons, most of the wealth management product sales institutions were rigid redemptions. At the time, how much returns that you can have a profit should be, this is the logic of the rigid redemption. However, with the introduction of the new rules of asset management, the rigid redemption of the entire market has long been broken.

Whether it is a bank wealth management or other types of wealth management products, it has not been a capital guarantee product that some people understand. The products that have been repeatedly mentioned recently are the products that are not guaranteed. The income when buying wealth management products is not the expected income that everyone thinks, but a more benchmark income. What is the benchmark revenue? It is a designer of wealth management products. According to factors such as product nature, investment strategy, past experience and other factors, a profit target designed by the product does not represent the future performance and actual income of the product.

To put it simply, the current wealth management products, especially the numerical wealth management products bought by many people, only have the so -called performance comparison and no expected income. For example, in general, users buy this kind of wealth management product, like a student Based on my previous performance, I told my parents how much I expected to take the test before the exam, but what kind of grades could actually take the test at that time because of the time and local factors and other factors such as the time of the exam. In the context of the big background, even if it is usually a 90 -point student at the door, it may be possible in a difficult test. The current wealth management is actually like this. That kind of performance comparison is the benchmark income. The performance comparative benchmark is equivalent to the passing line of a wealth management product test. Then the end result is that some people have good tests, but some people are poor. The actual income obtained by investors may be higher than the performance benchmark or lower than the performance benchmark.

Secondly, why do many financial gains have not reached the standard? If it is just a normal phenomenon that the income of a product does not meet the standard, but we have also seen that the products that have not reached the standard in the first half of this year have reached nearly 1,200, and so many products have not reached the standard. What are the reasons for this? place? In fact, the reason why many wealth management products have not reached the standard, which is actually closely related to the current entire capital market. Since the first half of this year, the entire capital market has fluctuated. , Specifically:

First, the overall market interest rate level is relatively loose, and the market has abundant liquidity. Many financial institutions are reducing their own interest rates. Under such circumstances, a large number of financial institutions are not willing to pay high interest rates, which leads to leading to a high interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate, which leads to a leading interest rate. The overall interest rate in the market is low, which has further affected the income of many main investment bonds of many currency funds, which has caused a large decline in the basic interest rates of the market.

Second, the performance of the stock market is less than expected. We have seen that due to the influence of various factors such as the Federal Reserve's interest rate hike. The performance of the stock market in the first half of this year is not as good as expected. The overall performance of the technology stocks has not enough investment in the investment income of many funds, and even a large withdrawal or loss of losses has occurred.

Third, the performance of the bond market, especially the corporate debt, has more problems. At present, the overall performance pressure of many companies in the entire market is relatively obvious. In this case, the overall income of corporate debt Poor, even the corporate bonds of certain real estate companies still have a default or overdue, which has led to insufficient benefits of the entire wealth management market.

Therefore, under the influence of multiple factors, the downturn in the wealth management market is also unexpected.

Third, what does the appearance of "wealth management assassin" mean? At present, the purchase of products in the wealth management market is actually a matter of testing the investment ability of investors. This is because investors must learn to see what the products they buy?

It is recommended that for investors, every time you buy wealth management products, you must learn to carefully study the investment targets of your own products. Diversified choice and judgment.

If your own investment experience is not rich enough, it is recommended to choose a relatively risky currency fund investment, otherwise it is easy to appear the phenomenon of "wealth management assassins" that everyone sees.

For various fund companies and banks, the large fluctuations in the current market have also put forward higher requirements for the design of their wealth management products. In the past, the market environment was good. , Can we see who has the true ability.

Therefore, it is the most critical to buy financial management. It is the most critical study.

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