Buying 10,000 yuan in financial management will make 9 yuan a year?Don't be stabbed by the "Finance Assassin"!

I do n’t know if you found it. The recent hot topic “10,000 yuan for bank financial management only earns 9 yuan for 15 months” and rushed to the hot search.

Someone spent 10,000 to buy bank financial management. As a result, it was taken out after 15 months and found that the income was only 9 yuan.

This is too outrageous. Even if we deposit 10,000 yuan for a year for a year, there is a 170 yuan income for taking it out. In the end, we have really ignored loneliness.

And this incident has also caused everyone's violent vomiting: she has escaped the "ice cream assassin" and "fruit assassin".

Picture source: network

On the hot search, many investors jumped out and talked about buying banks to make money.

Even when my mother had a video with me last night, she couldn't help complaining that I bought a few wealth management I bought with pensions and made money.

After comforting my mother, I quickly checked the data.

Data show that since 2022, the overall fluctuations in the bank wealth management product market are indeed relatively large, and even some products have fallen below the net value.

Looking at the data on Wind, as of May 31, 2022, there were 2,253 bank products disclosed in the net value, of which 1323 products accumulated a total net value of less than 1, and the net ratio was 6.23%.

Moreover, the product of breaking the net value also involves various financial institutions such as state -owned banks, joint -stock banks, urban commercial banks, financial subsidiaries, and joint venture wealth management companies.

In other words, the size of the pipeline institution and the emergence of net worth products cannot be avoided, which has become a common phenomenon.

If you buy wealth management at the beginning of the year, you have been on Gao Gang, and you will lose money easily when you encounter a sharp fall in the later period.

Why everyone is talking crazy about "wealth management assassins", in my opinion, mainly because of two points:

First, some products have high targeted benefits, but the actual income is very low or even losing money, making people a big difference.

For example, the 10,000 yuan financial incident that triggered this warm discussion, its performance comparative benchmark is an annualized income of 4.2%, but the result is about 0.

This situation is not an example.

Picture source: network

The benchmark benefits of the target product are very high, but only a little income or even losing money at the hand, which gives people a disappointing mood, as if your boss drew a big cake for you, but finally gave you a back.

Such a psychological gap will inevitably disappoint.

Second, bank financial management can no longer be "just redeemed".

In the past, everyone purchased the bank's wealth management goods, and agreed to the expiration time and expected income of the product. As soon as the time arrived, the principal and income would be automatically received. There will be no additional benefits or loss. This is the so -called "rigid payment".

In particular, the products corresponding to R1 and R2 levels have low risks and investment bias. It is basically considered as safe as deposits.

Now, under the framework of the new rules of asset management, the "Gang" has been completely broken.

Wealth management products are no longer the expected return of return, but the form of net value fluctuations. It will truly reflect the realization value of the investment portfolio, and it needs to be purchased and redeemed according to the real -time net value after the product expires.

Even R2 -level products, which have always been regarded as no risk, may also lose money due to a small amount of equity assets.

If the proportion of equity investment in the product is large, the short -term profit and loss fluctuations will be greater.

In the past, when investing was not easy to do, we could still avoid danger through bank financial management.

Now this retreat is gone, can you not talk about it?

Since this is the case, I know that the question that everyone is most concerned about has become: Can the bank's financial management still buy it?

Look at a data. As of the end of June 2022, the duration of bank wealth management products reached 2.915 trillion yuan, an increase of 12.98%year -on -year.

It seems that everyone talks back, and it is not ambiguous to buy financial management.

However, I still have to pay attention to you who purchase bank wealth management products.

First of all, bank wealth management products are different, and the corresponding risks are different.

Picture source: network

Everyone must want to understand their risk tolerance, and then buy products that meet their own risks.

Secondly, you have to understand the underlying investment logic of the corresponding product, that is, the investment structure and underlying assets.

These can be seen in the product manual.

Picture source: network

Generally speaking, the revenue will be relatively low in the underlying assets such as the interbank market, the exchange market bonds, and bills, but the corresponding risk level is relatively low.

The underlying assets in the direction of equity assets, trusts, futures, and options will have a relatively high income, but the risk level is also relatively high.

In addition, under normal circumstances, banks' self -operated wealth management products have a bank endorsement. The security is generally relatively high and the risks are relatively low.

After the purchase is judged based on these conditions, we will hand over the remaining time to prepare for long -term investment. Do not be fascinated by short -term fluctuations.

To grasp the above points, and then do fund management, bank wealth management basically won more than half.

The rest is to work hard to discover good opportunities.

After all, the advantages of banking wealth management are still the foundation. If you find a chance, you can still get a lot of wool.

For example, recently, I discovered a good activity of Hangzhou Bank's real gold and silver.

To put it simply, as long as you invite friends to buy Hangchang Financial Management, you and your friends can get rewards, and the more you buy, the more rewards.

This activity process is also very simple. As long as you download the Hangyin Direct Sales APP and register an account.

Let's briefly introduce the benefits of participating in the Hangzhou Bank event (one month long): How about, is it good? Let's introduce the activities in detail below:

The activity is mainly divided into two parts:

(1) Become a "family and rich man", invite friends, you and friends can make money

You first register to open an account to light up the rich and rich man (as shown below), and then invite friends to sell financial management in direct sales in Hangyin, you and friends can get rewards.

The reward is reflected in the form of financial value.

1 The value of the financial resources is 1 yuan, you can directly redeem the bill coupons, refueling cards and Yuehui Life deduction coupons (you can purchase WeChat settlement, Jingdong card, refueling card), etc., starting from 1 yuan.

How much is the specific reward?

If your friends invite friends to buy "non -bank deposits", then reward 0.025%of the average monthly assets of "non -bank deposits" as a financial value reward, converted to 0.3%of the next year.

For example, the average monthly balance of friends invited is 100,000 yuan, and you and your friends can get a wealth value reward of 25 (value).

If you invite friends to buy 10,000/100,000 wealth management products for the first time, you and friends will receive a financial value reward of 100/300 (worth 100/300 yuan).

Remind that in addition to Hangzhou Bank's own financial management, Hangzhou Bank's direct sales include Qingdao Bank Qingyin Finance, Nanjing Bank Nanyin Financial Management, etc. The wealth management cycle is long, short, high and low in income, and rich types. In short, the choice is very wide.

You can also choose the right product according to your own risk appetite and funding period.

In order to be more convenient for everyone to understand, I will give you an example with the "100,000 purchases of a 7 -day annualized wealth management product" to calculate how much the two parties can get: how much they can get:

Suppose your invited friends bought 100,000 for 7 days to make financial management.

Your friend's income:

First, the earnings of wealth management is 67 yuan, with an annualized income of 3.5%.

Second, financial resources are worth 300 yuan, and the annualized annualized income is 15.6%

Third, the average daily asset reward of the wealth of people is 0.3%of the annualized income of 0.3%of the total annualized income of 19.4%. (Specific may be damaged, pay attention to changes in the next day)

How about, is this income really fragrant?

And your own income:

In addition to all the revenue of the above plan, nearly 306 yuan! Putting a lot of investment in the big drop, the key is also helping friends to find such a good opportunity to make money.

At the same time, the amount of assets meet a certain amount of standards and maintained for more than 30 days in a row, and the following corresponding rewards can be obtained:

Also based on 3.5%of the income, hold one month, and calculate the specific income of three financial management solutions:

Option One:

Buy 10,000 wealth management products, product income 29 yuan+financial value new customer reward (recommender+recommended person) 200 yuan+monthly average asset reward (recommender+recommended person) 5 yuan, total income of about 234 yuan, The annualized return rate is 28.10%!

Option II:

Buy 100,000 wealth management products, product income 292 yuan+financial value new customer reward (recommender+recommended person) 600 yuan+average monthly assets (recommender+recommended person) 50 yuan, total revenue is about 942 yuan, the total income is about 942 yuan, The annualized return rate is 11.30%!

third solution:

Buy 200,000 wealth management products, product income of 583 yuan+financial value new customer reward (recommender+recommended person) 600 yuan+monthly average assets (recommender+recommended person) 100 yuan+asset increase reward of 198 yuan for the first time, The total income is about 1481 yuan, and the annualized yield is 8.89%!

Of course, there are not only the above three schemes. The total assets of 500,000 to 5 million (1 month long), corresponding to the additional 696 ~ 8690 yuan reward, the specific income can be referred to the table below:

And one more remind you to pay attention: the more friends you invite, the more benefits.

The invitation method is also very simple, in Hangyin Direct Sales APP-Mine-invited friends-recommendation, enter the invitation page.

Important points: If the two parties want to get rewards, they also need to "light up new guest operations". If they do not light up, they will not get new guest rewards.

So be sure to remember to "light up new customers" at the app after 17:30 the next day of inviting friends.

On the main page of the human connection-click to invite friends-one click to light up.

In this market environment, this generous reward is really hard to make people feel exciting.

(2) New customer reward -novice five gifts

Hangyin Direct Sales APP search for "Newbie Five Ceremony", complete the task, and receive rewards.

This is not over yet. For the first time, you can purchase a designated wealth management product for the first time, and you can also send 19.8 ~ 198 yuan to Yinhui Life Desment Voucher. This voucher can also be redeemed directly.

Is it very surprising?

By the way, by the way, if you are still struggling with the financial products of which bank you buy, you can also try the Hangzhou Bank Mini Program: Gem Mountain Finance.

This applet is very powerful and brings together products of 23 domestic financial subsidiaries.

The common bank financial management on the market is basically inside.

Through it, you can intuitively see the daily net worth, historical trend, and product introduction of these wealth management products.

What's more important is that this applet is very friendly and can quickly screen out products that meet your investment cycle and risk level from many bank wealth management products.

It is definitely the gospel of the difficulty.

Finally, it reminds you again that Hangyin's event is a bit strong, so there is a "minor restriction": registering the Hangyin Direct Sales APP requires mobile phones to locate in provinces and cities with outlets, mainly Zhejiang, Jiangsu, Guangdong, and Guangdong.Anhui, Beijing, Shanghai.However, I think that such a good wool opportunity can be recommended to friends and family members in these cities.After all, who has no relatives and friends in a different place, right?

If you want to participate in the event, you can add an official company WeChat, send secret words "uncle blankets", and receive assets to improve exclusive rights.

*Risk reminder: The content of this article does not constitute any investment advice or reference.Market risk, the investment need to be cautious.Readers are requested to make independent decisions based on personal investment goals, financial status and needs.

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