Financial Product Gains Are Not Meant To Be Done.

Nowadays, residents

Financial products are not meant to be done.

1, CITIC financial management: crude oil products actual earnings differ from expectations.

According to media reports, the expected yield of oil products linked to maturity in 2011 is not high, and the actual income is also different from the expected return.

According to the statistics of the bank's network database, CITIC's "Zhi win six" oil related financial products A, with an annualized yield of 1.73% and an expected rate of return of 8.25%, CITIC's "Zhi win six" oil related financial products B, with an annualized yield of 1.57%, with an expected yield of 7.5%.

2, peace

Some citizens even believe that the financial products issued by banks must be paid for. They are convinced that the collection of financial products (securities companies gather scattered funds in the community and managed by experts) are believed in the investment idea and dividend income.

However, a notice issued recently by Ping An Securities may enable people to have more rational understanding of the collection of financial products.

The collection management plan of "new year 1" has expired in March 7th of this year.

"Annual red" actually "deficit year by year", since its establishment, its performance has been in a state of loss, and in the next three years has never been more than 1 yuan, the final 0.6037 yuan net value dismal liquidation, investors loss 39.63%.

In the year of issuance, Ping An Securities's "good bet" and "investment philosophy" were described in three years later.

Out of misunderstanding and buying financial products clearly

1, financial products "liquidation period" does not give revenue.

It is reported that many products have to go through the purchase and redemption of two "liquidation periods", such as a 7 day product, which means a total of 7 days from "interest day" to "maturity date", but from customers to pay the purchase, to the bank to return the principal and interest to the account, it takes almost two weeks, virtually the actual income will be greatly reduced.

Most banks in Shenyang say that the "purchase and liquidation period" funds are paid according to current interest rates.

However, the three or four days from "product maturity" to "capital account" do not generate interest.

For the "redemption liquidation period" does not interest, investors are more than can not accept, I hope the bank to cancel the terms of the overlord.

2, the name of financial products is complicated and dazzling.

In order to avoid disputes in the process of financial consumption, it is also one of the ways to learn more about professional knowledge in the process of consumption.

The expression of multiple returns often dazzles the public, so investors who want to buy bank financial products must clarify the following concepts: "expected annual yield", "annualized yield" and "highest expectation".

Interpretation of the concept: "annualized rate of return" is a whole year's yield, which is affirmative.

The expected annual rate of return refers to the rate of return that may be achieved throughout the year, which is uncertain.

The "maximum expected rate of return" refers to the highest rate of return in a year, and it is also uncertain.

According to the relevant personage, the annualized rate of return of the above three statements is actually the calculation of the current yield, such as daily yield, weekly yield and monthly rate of return, which is a theoretical rate of return, not a real rate of return.

3, remind: bancassurance "pformation" is deceptive.

There are still many salesmen who do not mention the word "insurance" in the recommendation of bancassurance products. They only say that they are financial products of banks. Some elderly people who have too much reliance on banks have bought the bank insurance products as a financial product. They need to use Qian Shicai to find that the money should be stored in the insurance company for 10 years or even 20 years. If they are paid in advance, if they are paid products, they will continue to pay the fees every year after two years.

For sale misleading "Insured", the industry suggested that when signing, we must read the terms carefully, and at the same time can use the hesitation period free surrender.

Generally, long life insurance products have a period of hesitation. The period of hesitation is a period of 10 days from the date when the insured receives the policy and receives it in writing.

Popular financial products

1. Low risk funds sell well.

According to the daily economic news, residents like to deposit money in banks, mainly for stability and security, but there is still a negative interest rate in deposits.

Therefore, low risk funds such as guaranteed funds are in line with the safety and stability required by residents.

Today's financial products, especially the financial products with an annual yield of 4%~7%, are especially popular with investors.

Low risk funds have fully demonstrated that low risk funds, such as the hedge fund and the current risk - avoidance mentality of many investors, agree.

2, trust and financial products continue to be welcomed by the market.

Data show that in February, the expected annual yield of domestic trust products continued to rise, with an average yield of 8.64%.

Industry experts said that under the influence of inflation, high yield and flexible investment mode will add bonus to trust products.

Judging from the quantity of issuance, the investment domain of trust companies issuing products has begun to diversify.