more recently, new lower income, many investors to shift stocks of money to buy financial products, bank financing products being crazy pursuit in time, many anticipated higher-yielding products have been robbed and empty, starting at the risk of financial products be diluted. Recently, banking Bureau issued a notice, requirements specification product sales process, for financial consumers can clearly consumption, neglected the purchase details, investors should pay close attention to avoid being &ldquo financial products; injured a back &rdquo.
risk assessment report don't do looks
regardless of is in online purchase financial products also is in counter purchase products, sales Qian, Bank will prompted you need for risk assessment, although these select questions appears to some boring, even a bit Pediatrics, but you must don't go motions, casually is zoned check, also is should seriously fill in, once you of assessment conclusions prompted you purchase this paragraph products has risk Shi, you on should carefully consider is to purchase the products, own is has bear this class risk of economic ability and psychological endurance.
many investors feel that each subject of the risk assessment are more or less, he had previously bought products are profitable, so evaluation is just a mere formality, each product appears to be the same, but their risk level there is a big difference, sometimes differs from the risk of the same product is large, so investors are also should be true and complete. Necessary to remind the user counter to buy financial products, due to the hot products, wait staff, and suggest that you don't buy in a hurry, obtained from the Manager first risk assessment during the queue to avoid to counter, and then continue to wait.
financial products may not be capital preservation
many middle and old aged investors purchase financial products most value of is expected years of income rate, currently Bank 180 days financial products of years of income rate are in 4% to 5% Zhijian, however some products expected years of income rate up to 7% above, really let people heart, but members in purchase these products Shi, probably rarely was will concern these financial products of funds what into what party. Many people may think that this is the need to design products for banking professionals, he does not need to know. In fact, the direction of financial investment of the funds, to some extent determines the risk coefficient of the product.
many financial managers may tell you, financial investment of the funds that you do not know, at this point you should be more careful. The saying goes, not to invest in their unfamiliar territory, so as not to make a blunder. Once the investment direction of financial managers tell you can't understand, must be vigilant at this time, do not sit, best to professional curiosity to know immediately, so as to avoid being taken in, not all products are guaranteed a profit, higher expected annualised yields of products, the potential risk is greater, especially trust products, more prudent choice.
financial products is not more long more good
financial manager to investors describes financial products Shi, General will recommended customer buy period more long of products, and also will explained said this paragraph products of expected years of income rate is is high of, recently issued of products inside one, if you buy short-term products may future due Hou, on cannot buy to high income rate of products has, many investors lest missed has these high income rate products, so quickly buy Xia say.
in fact, not so, in the interest rate cycle, accompanied by Central Bank again and again raise interest rates, expected annualised yields of bank financial products rises, once after expiration of short-term product, might just in time for a new round of interest rate hikes might have been able to get a higher-yielding products. And bank financing products are emerging, so you don't have to worry about the embarrassment of yourself in rich no products to buy. And the Bank now expected annualised yields of one-day financial products is constantly improving, so even after expiration of short-term financing products, you can also choose one-day excessive financial products.
