There are many wealth management products, how should consumers invest rationally?

Shanxi Economic Daily reporter Ma Yongliang

If you do n’t finance, you ignore you; how to make financial management, there is a lot of knowledge. For most people, investing in the industry is unsatisfactory. Precision stocks, fear. Various wealth management products with relatively small risks and good income have become the first choice for stable investors. However, the study of wealth management knowledge, the choice of product types, and the control of the number of purchases are still worthy of investors' attention, especially to be alert to the fascination of financial management scams. Pass.

Combined with the new changes brought by the "New Regulations of Asset Management"

The transition period of "New Regulations for Asset Management" ended at the end of 2021. Since this year, asset management products of major financial institutions are comprehensively standardized in accordance with the "new asset management regulations". The "New Regulations for Asset Management" put forward net worth management of various types of asset management products including bank wealth management, do not commit capital guarantee income, do not pay capital, and break rigid redemption.

In the face of the new changes brought by the "New Regulations for Asset Management", how to rationally invest in bank wealth management products? Recently, the Shanxi Banking Insurance Regulatory Bureau made four tips:

Wealth management non -deposit, investment income is related to the net worth of product. Popularity in net worth means that the total net assets are divided into product share. Fortunes of regular or irregular disclosure of commercial banks issued or aged. Wealth management products that are different from the value of net asset value are different from bank deposits. There is no fixed income or expected income. If the net value at the redemption is higher than the net value at the time of purchase, the positive return will be obtained, and the net worth below the purchase will lose money. The performance comparison benchmark set during product distribution is mainly used to measure the management level of the product operation and does not represent any income commitment.

The seller is responsible and pays attention to the proper management requirements of wealth management products. In order to regulate the sales behavior of commercial bank wealth management products, the regulatory authorities put forward appropriate management requirements for the sales of commercial bank wealth management products. Commercial banks to sell wealth management products must fully disclose information and reveal risks. They must not promote or promise their capital and guarantee income. They must not publicize the expected return on wealth management products. The risk tolerance should be evaluated, and only wealth management products that can only be sold to investors' sales risk levels or lower than their risk tolerance levels. In the sales documents, it is clearly reminded that the product is suitable for the scope of investors. Restricted measures. Investors should understand the above supervision requirements, and when buying wealth management products, they must do it.

Buyers are at their own risk, and choosing to choose for them is the most rational choice. Investors should correctly look at market changes, strengthen financial knowledge learning, establish long -term, rational and scientific investment concepts, combine their own investment needs, and reasonably allocate financial management funds. Correctly understand the risk level of wealth management products. The higher the risk level, the higher the possible benefits, but the greater the possibility of losses. When investing in wealth management products, we must objectively evaluate their own risk tolerance, choose wealth management products that match their own risk tolerance, decide independently, shoulder risks, and obtain income.

Read the contract text carefully and actively cooperate with the "double records". When selecting wealth management products, investors must carefully read product manuals, sales agreements, risk disclosure letters, investor rights notes and sales documents and other sales texts. , Investment managers, profit and loss rules and other content. When buying wealth management products, investors should correctly look at and actively cooperate with the on -site simultaneous recording of the commercial banks in the key links of the sales process, that is, "dual records". "Double records" can effectively regulate and restrict the sales behavior of commercial bank wealth management products and protect investors' rights. It can be used for rights protection when disputes occur in the later period. After purchasing wealth management products, investors should pay attention to the asset allocation and net value changes of the product on a regular basis to facilitate the comprehensive grasp of market risks.

Solid income trust wealth management product becomes a new favorite

"Solid income wealth management", as the name suggests, is a wealth management product with low risk and relatively fixed income.

The common "solidaries wealth management" products are: bank wealth management, public funds, trust companies' trust plans, securities company asset management plans, private equity funds, etc.

This is the vast majority of financial products that can be issued by licensed financial institutions in my country. If this range exceeds this range, investors must be careful, maybe someone is fooled you.

The underlying assets of "solidarity wealth management" are generally debt assets, including corporate public bonds and non -standard debt (such as loans). Such assets generally have relatively stable returns.

Of course, whether "solidarity wealth management" can really achieve fixed income, it is necessary to further see if the bottom assets are safe.

For example, Shanxi Trust Co., Ltd. (hereinafter referred to as "Shanxi Trust") as the only state -owned licensed trust financial institution in our province, the state -owned enterprise trust plan issued by its issuance belongs to "solidarity financial management". Because its underlying assets are in our province, our province It is a state -owned enterprise, so the safety level is high and the risk is small.

If the Shanxi Trust has been purchased, the funds will be used by Shanxi Trust to the provincial state -owned enterprises such as Jinneng Coal Industry Group, Taizhong Group, and Cultural Tourism Group. The product expires by these state -owned enterprises to repay, and the security of funds is relatively high.

Taking the current one -year state -owned enterprise product that Shanxi Trust is on sale as an example, 1 million yuan can enjoy a 6%annual yield, that is, the earnings of 60,000 yuan per year, which is quite considerable.

According to statistics, in the first half of this year, the size of Shanxi Trust -state -state -owned enterprises reached 8.598 billion yuan for the first time, and it continued to sell it, becoming the new favorite of investors. Be wary of "surrender financial management" investment risk

Mr. Li recently received a call from the staff claiming to be a staff member of the insurance company, informing Mr. Li's policy income too low, which can help convert to a product with a yield of 15%. Under the guidance of the "staff", Mr. Li came to the customer service center to handle the insurance. After completing the retirement insurance, the "staff" persuaded Mr. Li to sign a "conversion contract" claiming to be "one day in the gold wealth management product". A few months later, the staff lost contact, and the wealth management products could not be fulfilled. Mr. Li found that he was deceived. After verification, the "staff" was not a staff member of the insurance company.

Recently, the staff of illegal personnel are often pretending to be an insurance company or a cooperative agency of insurance companies to seduce the insured to the illegal institution office in the name of "dividend compensation", "policy accounting" and "policy upgrade". Persuaded the insurer to surrender the insurance and induce the insured to buy "financial products" with "high returns". Such scams are usually suspected of illegal fund -raising, causing economic losses in the insured person and harsh social impact.

According to relevant persons of Ping An Life Insurance Shanxi Branch, in cases where illegal fundraising with "surrender financial management" as a gimmick, illegal elements often obtain some large insurance companies' policy information through illegal means, and pretend to be customer service staff in insurance companies to high with high high to use high to get high to get high with high high to high. The income is to deceive insurance customers to surrender the insurance in advance and buy the so -called wealth management products. Such cases are novel, large, and strong in crimes. If they do not be cautious, they will easily fall into the illegal fund -raising trap. To this end, reminders of insured people not to trust high -interest "financial management" and high returns promised in the name of insurance companies. Don't be moved by Xiao En Xiaohui such as gifts and "return" to avoid being deceived.

Identify illegal agency scams. When the insured receives suspicious invitations, the official channels such as the official website of various insurance companies and customer service telephones can verify whether the relevant personnel are indeed an insurance company's staff and the address of the relevant address as the address of the insurance company and their branches. If the suspected scam is found, relevant evidence should be retained, and the counterfeit insurance company shall be notified in time and reports to the public security organs.

Be wary of illegal fund -raising traps. The promise of high returns is a typical characteristic of illegal fund -raising cases. The insured should not be seduced by "high returns". It can easily surrender or pledge the normal policy. Eventually cause economic losses.

Correctly understand the insurance function. When personal insurance is mainly due to the old, old, disease, disability, death, etc., the insurance company will give insurance compensation based on the insurance contract. Although some personal insurance products have both investment functions, their essence is still insurance products, and the insured should be cautious to surrender to avoid losing insurance protection.

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