A-share market , if you ask what stocks have high dividends and stable dividends, you must not miss bank stocks. According to the current stock price of bank stocks, the dividend yield of the bank stock with the highest dividend ratio exceeds 6%, far exceeding the interest rate of bank deposits and even higher than the yield rate of bank wealth management. Does this mean buying a bank stock is better than buying a bank wealth management company?
Which is better, buying bank stocks or bank wealth management?
First of all, if you are buying bank stocks, one advantage is that the dividend returns are relatively stable and the dividend returns are relatively high. Bank stocks are basically paid dividends every year, and they are mainly paid for cash dividends. This is like putting money in the bank and you can receive interest from the bank every year. The most important thing about
is that the interest rate is relatively high. Because the bank with the highest dividend yield is close to 7%, this interest is rarely achieved, let alone bank deposits, and even bank wealth management. Even if there is, it is only available in bank wealth management with relatively high risks and unstable returns. By contrast, the dividends on bank stocks are much more stable. Another advantage of buying bank stocks is that they still have the opportunity to enjoy the value-added returns brought by the rising bank stock prices.
Nowadays, most bank stocks on the market have fallen below their net value, and some bank stocks have even less than half of their net assets per share, which is equivalent to selling at a price below 50% off, which seems very cheap. If you buy at the current price, there is a high probability that you will have a chance to sell at a higher price in the future. The gains brought about by rising bank stock prices may be more than dividend returns.
The main disadvantage of buying bank stocks is that it is afraid that its stock price will not rise. If the stock price cannot rise, both dividend returns and value-added returns will become short.
Secondly, if you are buying bank wealth management, one of the advantages is that your returns are relatively stable. Although bank wealth management is more likely to lose money nowadays, it is only in the short term. As long as the holding time is relatively long, most bank wealth management still has relatively stable returns.
In addition, although the income of bank wealth management also depends on its net value to increase, this rise is still different from the rise of stocks. The increase in the net value of bank wealth management is because bank wealth management makes money when investing. Therefore, as long as bank wealth management makes money, its net value will increase, and the certainty of the increase in net value is high.
There are many reasons why bank stocks rise, not as long as banks make money, their stock prices will rise, so there is great uncertainty. So in comparison, the returns of buying bank wealth management are more certain and more secure than the returns of buying bank stocks.
The disadvantage of bank wealth management is that the returns are relatively low. Bank wealth management is still mainly stable, which means that most bank wealth management gives up the opportunity to pursue high returns. Because of this, it is rare for bank wealth management to have an annual yield of more than 5%, let alone bank wealth management to have a yield of more than 6%.
But if you really want to buy bank wealth management with annual yields that have a chance to exceed 6%, the returns will be very unstable, and there is a high probability that you will not get this income.
It can be seen that buying bank stocks and buying bank wealth management have their own advantages. As for who to buy better, we can look at the length of time planned to invest.
If you plan to make long-term investments, it might be better to buy bank stocks. Because over a long period of time, the stock price of bank stocks always has the opportunity to rise. As long as the stock price of bank stocks rises, you can not only get stable dividends, but also have the opportunity to obtain excess returns.
. If you only plan to make medium- and short-term investments, it is best to buy bank wealth management. Because the medium and short-term returns of bank wealth management are more stable, bank stocks may not have the opportunity to rise in the medium and short term.
Author: Long Xiaolin/ Review: Zhao Xi
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-
-