Summary of precautions for online banking financial management
At present, the bank's financial products are also constantly innovating, with multiple patterns, including principal guaranteed and non principal guaranteed, high-income and low-income. So the question is, is there no risk in bank financial products? What should we pay attention to when buying bank financial products? Let's have a look.
A bank financial planner told us: to understand the risk of bank financial products, we must first find out the types of bank financial products. Different types of financial products have different risk levels. Of course, the income is also different. The income and risk are the same, which is the natural law. Generally, bank financial products are divided into three categories:
1、 Principal Guaranteed Fixed Income
As the name suggests, when you buy this financial product, the bank will guarantee your principal and fixed income. The bank will guarantee it. Generally, investors or the elderly who are conservative choose this product because it is the safest product. Of course, the yield of such products is also relatively low.
2、 Principal guaranteed floating income
This kind of financial products will guarantee your investment principal, but the income is not fixed. The rate of return displayed before purchase is only an estimated value, which may be inconsistent with the actual rate of return, or lower than the expected income. Investors should be psychologically prepared. The yield of such financial products is generally higher than that of breakeven fixed income financial products.
3、 Non breakeven floating income
When you buy such financial products, the bank does not guarantee you the principal, and its due income is not fixed. Compared with the first two types of risks, that is, if there is a problem, you may not get all your principal back. Such financial products are suitable for customers with strong risk tolerance and investment and financial management experience. Of course, the expected rate of return of such products is also relatively high. Don't just look at the rate of return before buying. Be sure to carefully read its risk tips.
No matter what kind of financial products, banks will give risk tips when selling them, and clearly tell customers that financial products are not deposits, financial management is risky, and investment should be cautious. At the same time, there will be a detailed risk analysis for each financial product. Please read it carefully before buying. Otherwise, the bank will not be responsible for the risk. In addition, no matter which bank you buy financial products in, the bank will conduct a risk assessment on you before the first purchase to assess what kind of investor you are for your reference when purchasing financial products.
Finally, there is another point to note, which is also the biggest risk point that may exist when purchasing financial products: before purchasing financial products at the bank, be sure to confirm whether they are spontaneous products of the bank. Some banks issue third-party financial products on behalf of others. Individual staff deliberately sell other people's products under the guise of the bank. Although such products have high income, they are high risk, Once there is a problem, the bank will not be responsible.