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Since banks began to transform wealth management net value, more and more net value wealth management products have been launched, and have gradually become the mainstream of bank wealth management products. Net-value financial products have no expected returns, so investors are puzzled, which one is better, net-value financial products or ordinary financial products?
1, product income
Ordinary financial products have expected rate of return, and the bank will repay the product at the agreed rate of return when the product is terminated. Net-value wealth management products are open-ended, non-guaranteed floating-income wealth management products, with no expected returns and banks do not promise fixed returns. The actual returns obtained by investors are related to the net value of the product.
2, liquidity
Ordinary financial products generally have an investment period, and funds cannot be redeemed before maturity, and new investments will no longer be accepted during the expiration period. Net-worth financial products have open days every week or monthly, and subscription is more flexible than ordinary financial products.
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3. Information transparency
Previously expected return financial products have low information transparency. For example, investors purchased a one-year closed-end financial product with an expected annualized rate of return of 5%. Usually, investors cannot know the fluctuations in the product's return during the investment period. After the product expires, investors may receive a 5% return, but whether this is the real investment return of the product is unknown, and the actual return may be higher than 5%. Net value financial products are similar to public funds. They will announce their net value on fixed dates such as daily, weekly or monthly. Users can conduct net value inquiries to enable investors to have a clearer understanding of product assets changes and risk status.
Although net value wealth management products do not promise fixed income, most of the net value wealth management products issued by banks are still at low risk levels, and investors can choose according to their personal circumstances. I hope this is helpful to everyone which is better, net value financial products or ordinary financial products. Warm reminder: financial management is risky and investment should be cautious.
Author: Luo Guoxiu/Review: Yan Li Wen
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