Bank Financial Products 23%, How Should We Lose Money?

Since January 2016,

The 110 products that expired, the actual annual yield rate is negative, with 25 products, accounting for 22.73%, mainly "converging China" series.

The actual annualized yield is 0, with 7 products, accounting for 6.36%.

However, the actual annualized yield of more than 10% of the products also have 17, accounting for 15.45%.

These products that are subject to loss in principal are mainly "converging China" series, and there are also some products of "enjoy the world" series.

Why are there so many losses in the "convergence of China" series?

Analysts believe that it is mainly because of the sharp fluctuations of the stock market, which penetrated the safety cushion of products. In the second half of 2015 and the beginning of 2016, the global stock market experienced a large adjustment market, especially the Shanghai and Shenzhen stock markets and Hong Kong stocks, which had a significant decline, which affected the structural financial products partially linked to their stock index and index funds.

There are more products linked to the European stock index, but there are also a small number of losses in such products. However, the proportion of loss making products is relatively low, which is generally better than that of the "converging China" series. Behind this is the volatility of the European stock market in the recent year is smaller than that in the Greater China region.

So, for investors, what problems should we pay attention to when investing similar products?

Silver rate network analysts believe that the hook

Stock index and

The investment risk of a product is mainly determined by the rise and fall of the corresponding target in the investment period, and its predictable nature is relatively poor. In particular, some medium and long term products are faced with many risk factors and poor liquidity.

In addition, investors who are suitable for such products should be familiar with mature investors in the stock market. However, after considering investment risks, returns and liquidity, such products will be "chicken ribs" for target investors, that is, investors are not smart enough to choose such products.

HSBC's convergence of Chinese series, linked to hang seng H-share index listed fund, southern FTSE China A50ETF and other index products, the product structure design is bullish, in the investment observation period, only achieve the upper limit of product design, automatic redemption event can achieve the highest expected return. If the ceiling has never reached the upper limit and the lower limit trigger event, the last valuation day performance is still lower than the lower limit trigger level, it can only be paid at the lowest level of income protection. Some 95% principal guarantee and 90% gold guarantee products will face greater losses.