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Expected Yield Is A Bad Check &Nbsp; Financial Products Look Beautiful.

2011/4/12 10:36:00 39

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Return On Investment And Financial Products

Expected annualized

Rate of return

4.7%, but the actual yield of maturity is less than 2.5%, or even less than one year's bank deposit interest rate.

The financial products bought by Aunt Chen a year ago in a joint-stock bank really depressed her for a while.

"I haven't bought it before.

financial products

When I went to the bank to do business, the financial manager recommended one to me, saying that it would be twice as much as that of the bank.

Aunt Chen told reporters that she did not run to the bank for two days and complained to the staff. "The financial manager said," 4.7% is the expected rate of return, which can not be guaranteed, but I wonder why it is not high enough to reach the high level. "

According to Puyi wealth's 2010 bank financial market annual report, by the end of December 20, 2010, the total number of bank financial products reached 9926 in 2010, and the issuance scale increased to about 7 trillion and 50 billion.

There are a total of 96 personal financial products that fail to reach the highest expected rate of return, including 32 zero and negative income products.

Reporters simply found that only 0.32% of the 9926 products issued last year achieved zero or negative returns, and only 0.97% of the bank's financial products failed.

Expected annual yield

However, it is worth noting that behind every product whose actual yield is not up to standard, it involves the interests of many investors.

Compared with Mr. Sun, Aunt Chen was lucky. At least, she recovered her capital and got some interest income.

In early 2008, Mr. Sun bought a QDII product of a foreign bank linked to the overseas stock market, running for two years, with the expected maximum annual yield of 30%.

When the product expired in early 2010, it had a huge loss of 44%.

Mr. Sun has negotiated with banks many times. In the end, the bank offered a rollover for a year to see if the loss could be reduced when the market was better. After the expiration of one year, the product still lost nearly 30%.

Statistics show that over the past two years, there have been a lot of losses in bank financial products, and QDII products are "the hardest hit areas".

According to the data provided by Puyi wealth, as of April 8th, the 250 QDII financial products that are running have 170 positive earnings.

Among the 28 QDII financial products that Chinese banks are running, the cumulative yield of 11 products is positive, and the cumulative losses of the remaining products are not more than 50%; among the 222 QDII financial products that are running by foreign banks, the cumulative yield of 159 products is positive, and the accumulated losses of the remaining products are not more than half.

In recent two years, there are not enough cases about the huge losses of financial products.

Reporters visit the websites of various banks, but it is hard to find the products that are currently losing money.

It is understood that, in recent years, the regulatory authorities have rectified and standardized, the current earnings of bank financial products have been significantly stable than in previous years, "negative returns" have rarely appeared, but the products that did not achieve the "expected yield" still appeared.

For example, Hang Seng Bank's "stock linked part guaranteed monthly reward" RMB 6 month product, the highest annual yield is expected to be 36%, and in March 25th this year, the actual yield of the product is 7.54%.