Recently, in communication with investors, it will be found that some bank wealth managers promote with investors. It is said that the portfolio bond is a non-standard capital pool, that the portfolio bond of the trust is very risky, and that the bank's wealth management products will be safer. In fact, when you hear this, you will find that the bank's wealth manager is misleading investors.
At present, our bank wealth management is mainly divided into three categories, one is closed, one is fixed, and the other is still daily. Among them, whether it is a closed type or a fixed opening type, there are a large number of urban investment bonds in it, and there are a large number of other credit bonds, so what is a credit bond?
It is the bonds issued by urban investment companies or real estate enterprises and other industrial and commercial enterprises on the exchange, which can be classified as credit bonds. However, everyone knows that the bottom layer of the portfolio bond trust is the standard bond of urban investment, and it is a product without equity. Moreover, there are no real estate or other industrial and commercial enterprise bonds, which we must do well in the early stage.
At present, the security of the bonds of urban investment companies in our domestic fixed-income bonds is relatively high, especially in high-quality areas such as Jiangsu and Zhejiang. Therefore, when our portfolio bond trust, the bottom layer is all urban investment standard bonds, and the region is also restricted, avoiding bonds in high-risk areas, then the security of our entire product is very high.
On the contrary, we do not know the bottom layer of bank wealth management, we do not know the specific area, and we do not know what their other credit debts are. Moreover, some bank wealth management has also invested in non-standard funds, so it is obvious from these points that it is difficult to establish that bank wealth management is safer than portfolio bonds.
If the portfolio bond products are not safe, then a large number of the bottom layers of bank wealth management are also urban investment bonds, so is it that the bank wealth management products are also unsafe? So sometimes some investment advisors really like to mislead investors, and for our investors, there are many things that are not clear, so there will be a big information gap in this.
So the reason why it has always been recommended that investors learn is here, because it is only through continuous learning that you will form your own investment logic, rather than what others say is what it is. If you have anything unclear, you can leave a message in the comment area, and we will reply to you as soon as possible.