Investing In Finance Is Like Buying Clothes.

How to choose the right one for me Conduct financial transactions Products?

In recent years, bank financial products have become a necessary element in many family portfolio management. The major banks have also been improving the development capabilities of self financing products. The wealth management products of banks are becoming more and more abundant. Ordinary investors are facing difficulties in the face of massive products. How to choose the right bank financing products?

Miss Zhang encountered this problem. At the end of the year, one hundred thousand yuan of money was withdrawn from the family, and I wanted to go to the bank to buy the appropriate financial products, but I did not know how to choose. So Mr. Li, a classmate in finance, asked for help. Mr. Lee knew that Miss Zhang did not know much about financial terms, but he was very good at shopping. Think about it and decide to buy it. clothes An example is given to illustrate this. "Old classmates, the choice of bank financial products is not a deep thing, and you buy clothes the same reason, as long as four steps can choose the right financial products."

　 One of the best skills: choose the right size and choose the right seats.

"Clothes must fit well before they are beautiful and comfortable. Like buying clothes, the first thing to do is to buy a bank's financial product according to its own risk tolerance and investment objectives. Mr. Lee taught Miss Zhang the first trick. Product size is the risk classification of financial products. According to the prevailing standards, financial products can be classified into three categories: guaranteed income, guaranteed floating income, and non guaranteed floating income. Investors must be clear about product types when buying financial products. Miss Zhang asked, "is there any simple and clear way to explain the classification of products?" Mr. Li scratched his head. "Actually, it is very simple to explain. Any bank financial product needs to pay attention to two items of product capital and income. To ensure that the revenue product is two guarantees of principal and income at the same time, the customer protection level of such financial products is the highest, but earnings generally do not have the advantage. While the guaranteed floating income only guarantees the principal, but does not guarantee the proceeds, buying such financial products can make the clients gain higher profits on the premise of no worries. Typical guaranteed floating income products such as GF bank dance products. Non guaranteed floating income products neither guarantee principal nor guarantee revenue. Such financial products should be specific to product investment targets, and the degree of risk depends on product investment. Typical non guaranteed floating income products, such as GF bank, are "fully paid".

Unique skill two: select texture and achieve investment target.

"Old classmate, when you buy clothes, besides looking at the size, what is the most concerned about clothes?" Mr. Li continued to ask questions. Miss Zhang replied, "of course, the quality of the clothes themselves!" Mr. Li further explained that the bank's financial products also need to see the texture of the products, that is, the design and investment of the products. "Financial products" are mainly classified into bank structured financial products, non structural products, and offshore financial products. In terms of product investment, it may invest in money market, bond market, commodity market, stock market, offshore market and so on. The risks and benefits of these products are not the same, which is suitable for people with different risk preferences. Old classmates, what is the purpose of your purchase of financial products? Is it to pursue a steady income or to pursue the high yield as much as possible under the premise of guaranteeing the principal? "Miss Zhang said," for this one hundred thousand investment fund, first of all, financial products should be guaranteed capital and not lose money, so we can pursue the high yield as much as possible under this premise. Anyway, this money is idle. " "Risk is directly proportional to earnings," Li warned. "If we want to pursue high returns, we must take corresponding risks." Miss Zhang is very determined, "in the pursuit of high yield, I am willing to take risks." Mr. Li laughed and said, "you may consider the structured financial products of banks." What is structured financial product? Structured financial product is also called linked financial product, its principal is used for traditional bond investment, and the final product profit is related to the performance of related market or product. Some products are linked to the interest rate range. Some products and commodity prices are mainly linked to international commodity prices, such as gold, other products linked to stock index or designated stock portfolios. "How much is the highest income? Is it guaranteed?" asked Miss Zhang. "The product is capital guaranteed, and the specific income is determined according to the product specification. In 2012, Guangdong Development Bank launched a structured financial product, "joy dance," when the product design was linked to Hong Kong stocks. With the increase of Hong Kong stocks, the product reached a maximum annual yield of 8%.

Unique skill three: a reasonable combination of assets.

"Old classmate, when you buy clothes, you will not just look at the size and texture," Mr. Li is going to teach third unique skills. "Of course, it depends on the matching of clothes. Now living conditions are good, dressing and dressing should pay attention to style and color matching. Miss Zhang naturally joined the conversation. "Yes! Buy financial products is also like this! We must pay attention to the problem of an asset matching." Mr. Li continued with ease. "How does this financial product match?" Miss Zhang did not understand. "Eggs cannot be put in a basket! Of course, asset allocation is required for financial products. Nowadays, many people have financial products such as stocks, insurance, funds and treasury bonds besides bank deposits. As a kind of financial products, bank financing products should have a scientific investment proportion, "continued Mr. Li. "I suggest you go to the bank financial manager to make a comprehensive asset allocation plan. Then we will determine the proportion of different financial products according to the proposal. A bank manager will regularly track your assets and give you the most appropriate financial advice.

Unique skill four: continuous attention and comprehensive grasp of investment dynamics.

"The last move is..." Mr. Li has not finished yet. Miss Zhang quickly replied, "I know, the last thing I want to do is to find out the way to wash and keep the clothes well maintained." Miss Zhang is very clever and thorough. "Yes, we can't afford to buy financial products." Mr. Li is happy, and continues to say, "bank financing products, especially structured financial products, it is necessary for investors to continue to pay close attention to the situation of products linked to the target. Because of market fluctuations, products may trigger early to reach the highest yield, or break down the trigger point to get the lowest yield, and even under extreme circumstances, there may be zero income." Miss Zhang opened her mouth and said, "where do I go to pay attention to the product label?" Mr. Li replied, "generally, there are two ways to follow up the products. First, you can pay attention to bank outlets and website product announcements. Second. Consulting bank Customer Manager. "