Select Familiar Structural Financial Products With Linked Targets

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Xiaobian of the network to introduce the industry: select the hook linked to the familiar structural financial products.

October 7, referring to structural aspects

Many investors will think of words such as "high risk" and "less than expected rate of return". Insiders suggest that when choosing structured financial products, they should examine the management ability of banks and try to choose the structural financial products that are familiar with them.

Not long ago, the statistics released by Puyi Wealth showed that in 2013, the total number of structured financial products issued by the national commercial banks totaled 1838, with a monthly circulation of about 153. By the end of August 2014, the number of structured financial products issued by commercial banks had reached 1758, which was close to the full circulation in 2013.

According to the insiders, the biggest difference between structured financial products and non structured financial products is the relative trend of earnings and linked targets.

Yin Yanmin, an analyst with silver rate network, thinks that from the realization of the proceeds of financial products, the structural financial products linked to interest rates are more robust, and the probability of achieving the highest expected rate of return is relatively high. The structural financial products linked to stocks, funds and indices are relatively more risky, and the probability of achieving the highest expected rate of return is relatively low, the product structure is more complex, and the investment experience of investors is relatively higher.

Yin Yanmin said, for structured financial products, because of its

The calculation method does not necessarily achieve the expected maximum yield, depending on the trend of the linked target and the profits of the product.

Therefore, when choosing structured financial products, it is more valuable for investors to examine the management capability of banks.

In addition, on the choice of products, we should try to choose the structural financial products that are linked to the target and become familiar with them. Then we can see whether the structural design of structured financial products is consistent with the trend of their linked targets, which makes it easier to obtain higher investment returns.