Financial Products Secretly Absorb Gold Has 7 Sins.

< p > < strong > seven crimes: Sales fee < /strong > /p >

< p > sales expense is paid to the customer manager for your financial services and the expenses related to the sales department.

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< p > we must know that the work of financial managers is actually selling products. Their royalty and bonus are calculated according to the quantity of products sold.

That is to say, the more products they sell to you, the higher their income will be.

And the products they strongly recommend to you often give them high quality products. As for whether this product is really as good as they describe, or whether it really suits you, you need to sober up your judgment.

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< p > < strong > two of seven sins: trusteeship fee < /strong > /p >

< p > custodian fee is the charge drawn by the trustee (usually the bank) for the custody of the financial assets.

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What is p? What is the charge for trusteeship? Yes, because it is also necessary to manage these funds, such as keeping financial assets safely and supervising the investment operation of financial managers.

But is the security of keeping financial assets not their share? Otherwise, it is not safe, who buys their products, and the financial managers are themselves. This kind of self supervision is really ridiculous.

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< p > < strong > three of the seven deadly sins: custodian fee < /strong > /p >

< p > storage fee is the charge drawn by custodian (usually bank) for keeping financial assets.

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< p > how does it seem that this storage fee is almost the same as the above custodian fee? In fact, they are very similar. The difference is that the custodian has the obligation to supervise the trustee, but the custodian does not have this obligation.

However, for financial products, trustees, trustees and custodians are all themselves.

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< p > < strong > seven sin four: < a href= "http://www.91se91.com/news/index_cj.asp" > management fee < /a > /strong > /p >

< p > management fees are paid to financial management personnel and related departments.

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< p > financing requires professional management and operation, otherwise the interest will be earned.

So people earn interest for you, you pay a certain amount of management fees, it seems to be understandable.

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< p > but the four costs of appeal are collected in a very recessive way, that is, no one will tell you that there are so many fees in handling financial affairs, but they will take the relevant fees in secret.

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< p > for example, it may be more intuitive to illustrate.

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< p > for example, a one-year financial product is expected to have an annual yield of 5.5%, a sales rate of 0.45% and a hosting rate of 0.05%.

You invested 200 thousand yuan, and your financial income is 11000 yuan a year.

You think it's pretty good. 5.5% of the profits have been paid. No fee has been charged, but in fact, the rate of return you see is 5.5% of the rate of return that has been deducted from the sales rate and the hosting fee.

The real financial yield should be 5.5%+0.45%+0.05%=6%, which means that the bank has charged you 1000 yuan of hidden fees! < /p >

Financial products that charge management fees and custodial fees generally do not give a clear financial return rate. The financial management will publish a net value every day or regularly. If the net value grows, it means that you have made money, but you need to calculate carefully how much you earn in P.

For example, you spent 100 thousand yuan on this type of financial management, the net value of purchase is 1 yuan, management fee is 0.8%, storage fee is 0.2%, holding a year later, the net value has increased to 1.07 yuan, you have redeemed this kind of financial management.

So you will get (1.07-1) /1*100000=7000 yuan of financial income, the annual interest rate is 7%.

But in fact, the real yield of this kind of financial management should be 7%+0.8%+0.2%=8%, that is to say, the bank still takes 1000 yuan from your income.

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< p > < strong > seven sin five: buying time is not interest time < /strong > < /p >.

< p > have you ever had to rush to buy an early morning money and keep on screen? But when you were glad that you had snatched this product, did you notice that this product is still several days away from its interest date? For example, today you grabbed a 30 day product with an annual yield of 5%, but its starting time (Cheng Liri) is next Monday, May 19th. Then, from today to Monday, you can only purchase interest in this financial management according to the current interest rate.

This means that your time spent on this kind of money management has increased by 4 days, and the effective annualized yield of this kind of finance is actually only 4.41%.

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< p > < strong > seven sin six: maturity time is not less than a href= "http://www.91se91.com/news/index_cj.asp" > arrival time < /a > /strong > /p >

< p > similarly, the expiration date (due date) of many financial products is not the time of arrival.

For example, just like that financial product, the expiration date is June 18th, but the financial contract stipulates that after the expiration of financial products, funds will arrive within three working days.

Assuming that financial money is on account in June 20th, then in the two days from June 18th to June 20th, your funds are also charged at the interest rate.

That is to say, you have actually extended the financial management time by 2 days, so the effective annualized yield of this kind of financial management is only 4.05%.

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< p > < strong > seven of the seven sins: subscription fee, subscription fee and < a href= "http://www.91se91.com/news/index_cj.asp" > redemption fee < /a > /strong > /p >

< p > compared with the four kinds of hidden fees, such as selling fee, trusteeship fee, custodian fee and management fee, the subscription fee, subscription fee and redemption fee seem to be more intuitive.

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< p > subscription fee refers to the handling fee paid by investors during the period of financing.

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< p > purchase fee refers to the fees paid by investors when they are in the period of purchase and opening up, and when they purchase financial management from financial managers.

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< p > redemption fee refers to the handling fee paid by investors holding financial management during the period of financial management.

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