Data:2009-12-12 2:34
Category: Money Tips Date: 2007-06-04
At present, banks launch of fixed-income-based wealth management products are mainly three types: (1) short-term financing bill-type bonds, financial management; (2) Trust financial products; (3) a collection of financial management of bank assets. These three products have a fixed term, fixed income and principal security features, are unwilling to bear the market risk-based favorable for investors, or even all of the funds are invested in a single product. But investors also have to guard against the potential risks of these products, the above three categories of products, the credit risk in descending order as follows: a collection of financial management of bank assets, short-term financing bonds, the Trust Money; period, from short to long are: short-term financing bill , bank assets, a collection of financial management, trust and wealth management products; return rate from low to high are: short-term financing bills, bank assets, a collection of financial management, trust and wealth management products.
Making fixed-income investors, financial management, the first to distinguish between the types of products to understand the products of the main credit risk profile, risk control and prevention measures, and then consider the match with their investment period. More importantly, we must follow the principle of investment diversification, should not focus on all the funds to buy a certain product.
China Merchants Bank Wealth Management Center
