Wealth management losses, deposit interest rate cuts, many people put their sights on the "structured deposits" that are protected and safe, so are the structured deposits that were once sought after by people ideal investment products? Can he pick up the "girder" of the recent collapse of the wealth management market? Let's analyze it together.
Structured deposit is a very special product, he is a product between deposit and wealth management, want to be when it was first launched, it has the security of deposits at the same time, but also can achieve high yields in financial management, so it has been liked by everyone.
So after so many years of development, the recent wealth management market has generally suffered serious losses, large certificates of deposit are also cutting interest rates, and deposit interest rates continue to decline today, what kind of structured deposits are they?
Recently we looked over the structured deposits that are being issued by various banks, I really don't know, I look at it and are shocked, the original structured deposits have long been gone, for the following reasons:
First, the income is falling sharply, with the continuous downturn in the investment market, structured deposits have not been spared, such as a large state-owned bank on sale of structured deposits, 358 days of income range of only 1.1%-1.5%, that is to say, after the expiration of this product, the highest income can only reach 1.5%, to know that the one-year whole deposit bank listing interest rate can reach about 2.0%, much higher than the structured deposit, it is clear that the advantages of structured deposits have disappeared.
The second is that the amount is small, and then look at the products of other banks, there are many high yields, but when you go to buy, you will find that either the amount is less to buy, or there are certain purchase restrictions, such as regional restrictions, age restrictions, customer restrictions, etc. Anyway, if you want to enjoy high income, it is not so easy.
But then again, as a product that has been issued for many years, structured deposits are not useless, and its advantages are still obvious.
First of all, the biggest advantage is of course the capital preservation, that is to say, no matter what the trend of his income change is, the principal will not be lost after maturity, and his principal part is also protected by the central bank's 500,000 yuan deposit insurance system.
Secondly, the income part, structural deposits also have a feature that the income has a certain floating range, which means that the final investment in the product income is uncertain, it may be very high, but it may also be very low, and even run out of the ordinary regular, which everyone must be mentally prepared before purchasing.
Finally, it is to give people who like to invest a reliable choice, how to understand this? We are still from the characteristics of this product analysis, most of the funds of structured deposits are invested in ordinary deposits, only a small part of the embedded financial derivatives, this derivative is more types, such as gold, foreign exchange, futures and so on.
At this time, our operating space has appeared, for example, you think that gold will rise in the future, but you are not sure, afraid of investment mistakes caused by the loss of funds, then the structured deposit linked to gold is undoubtedly the best choice, so that you can ensure the safety of the principal, but also enjoy the return on investment, but also a more perfect portfolio way.
In any case, structured deposit as an investment and wealth management product, his characteristics are also very obvious, but also give us the majority of investors more than a way to choose, as for the final choice, we still have to weigh the pros and cons, combined with their own actual situation, comprehensive analysis and judgment before making a choice.
So what do you think of structured deposits? Are you willing to buy such a product?
Welcome to leave a comment, let's discuss together.
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