Approaching the Spring Festival, people have more funds on hand, and choosing financial products with safe funds, stable style and good liquidity has become the choice of many investors.
For wealth management companies, in the context of the comprehensive net worth of wealth management products, how to create live money products that can make investors have a greater sense of gain is also one of the competitive directions of various wealth management companies. In addition to the product itself, wealth management companies also hope to continuously optimize the customer experience through integrated value-added service functions.
As a wealth management subsidiary of Minsheng Bank, Minsheng Wealth Management has launched the "Live Money Cash +" product represented by Tiantianying series products, which provides a high-quality choice for idle money wealth management and helps investors enjoy the dividends of China's macroeconomic development.
It is understood that the team of Minsheng Wealth Management Tiantianying series products has rich experience in money market management and continues to operate steadily. Based on the positioning of liquidity, security and stable returns, Tiantianying series products have set up a strict investment scope and operation strategy. On the one hand, stable assets such as deposits and repurchases are used as a strong shield against fluctuations; On the other hand, through in-depth excavation and prudent evaluation, a mature "small but stable" diversification strategy has been formed, and it has been integrated into the standardized investment process, so as to strive for timely return thickening. In the operation management, through the rigorous analysis of the market, combined with a lot of practical experience, build a high wall of safety.
In 2023, in the third quarter annualized growth rate ranking of Taurus Asset Management's daily opening wealth management products, 12 products in the Tiantianying series will be on the list, and they will be ranked first.
1st and 2nd place.
It is understood that this series of products adopts a similar product structure design as cash products to meet the flexibility needs of customers. Through the diversified absolute rate of return strategy, the income is increased in a timely manner compared with cash management products, so as to meet investors' demands for the income elasticity of live money products.
According to reports, this series of products to low-volatility assets to build the bottom, of which fixed income assets are greater than 85%, mainly allocated deposits, high-grade short-duration bonds and other low-volatility fixed income assets, the current stage does not participate in the market investment, equity assets investment targets are limited to preferred shares, timely capture capital market opportunities.
It is worth mentioning that, unlike cash management products that use the amortized cost method for valuation, this product uses the market value method for valuation, pursues strict drawdown control, and has a higher long-term return than cash management products while the net value performance is stable. At the same time, this series of products are daily opening products, which are open for subscription and redemption from 9:00 to 15:00 on each trading day, and the fastest redemption is T+0It can be received in 5 trading days, so that customers can enjoy the benefits while the liquidity of funds is also fully guaranteed.
In the new year, entering 2024, China's economic operation has been continuously consolidated. Market participants generally believe that the first economic work conference proposed to "seek progress in stability, promote stability with progress, and establish first and then break", focusing on stabilizing confidence and growth, and a series of recent financial reform measures have been introduced, and investor sentiment has been continuously boosted.
For relatively large and complete funds such as year-end bonuses, investors can allocate short-term wealth management products appropriately, and allocate some medium and long-term wealth management products according to their own risk, return and liquidity needs, so as to achieve long-term asset appreciation.
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