Financial management may lose capital, so it will be based on the capital; structured deposits may lose interest, so it will be based on the interest. Whether buying financial management or structured deposits, the chance of profitability in investors' minds is generally more than 90%, and the probability of losing is as high as 10%. The same is true for the product introduction, but the reality is just the opposite. The probability of loss is 90%, and the probability of profitability is only 10%.
An investor bought a structured deposit in a bank, but the interest rate of at maturity was only paid 0.01%. The highest interest rate promised was 6%, and the highest 6% was not expected. The possibility of achieving 5% is very high. The financial manager who recommended the product said this, and it guaranteed the capital. The average one-year interest rate is only 2.25%, which is half higher. Of course, he is willing to choose structured deposits, so he deposited 500,000 yuan. After one year, he did guarantee the principal, but the interest rate was only 0.01%, which is 24% lower than current conditions. What is the difference between it and no interest?
The new asset management regulations are to protect banks' assets and returns from losses, which must be supported; the original intention of net value financial management design is to leave it to the market, but some financial management companies are eager to cut off their leeks. All risky investments are signed, so I have lost my memory; structured deposits are affiliated with the stock market index fund , with the purpose of allowing you to contribute interest, and it is already very humane to protect the principal.
