As deposit interest rates continue to fall, how can investors with low risk appetite manage their finances? Many people are eyeing the income vouchers of brokers, and even open multiple brokerage accounts to take turns to "gather wool". In particular, the new customer wealth management of brokerages has an agreed income of more than 4%, up to 818%, * is indeed huge.
First of all, let's understand what is a revenue certificate: an income certificate refers to a company issued by its own credit, and the repayment of the agreed principal and income is related to a specific target. Specific underlyings include, but are not limited to, currency interest rates, underlying commodities, indices, or indices. In layman's terms, the income certificate is that you lend money to the ** company, and then repay the principal and income to you in accordance with the agreed method and proportion. As a debt financing tool, the income certificate is backed by the issuer, that is, the entire ** company.
Characteristics of income certificates: (1) High security.
The issuer is ** company, and the credit of ** company is used to guarantee the redemption of product principal and interest, and the product security is relatively high.
2) High returns.
The rate of return of income certificates is generally higher than that of low-risk wealth management products such as bank deposits and currency **, and some income certificates can also enjoy additional income brought by the market.
3) Low cost.
There are no subscription fees or redemption fees.
4) Flexible deadlines.
You can choose from a minimum of 7 days, 14 days, 28 days, 35 days, 91 days, and so on.
5) The threshold is low.
The general subscription amount starts from 50,000 yuan.
Classification of income certificates: According to whether the principal bears the market risk of fluctuations in a specific target, income certificates can be divided into two types: principal protection type and non-principal protection type. Among them, the principal-protected income certificate can be divided into "principal-guaranteed fixed income certificate" and "principal-guaranteed floating income certificate" according to the different income payment methods.
So what is newer banking? It is a short-term wealth management product issued by a brokerage company to new customers, mainly based on pledged ** repurchase or income certificates. New customer wealth management is essentially a company that gives users income subsidies in the form of interest discounts, and the agreed income is often as high as 6% 8%. This is one of the few high-yield wealth management products on the market, with a risk level of R1, which is a low-risk product.
In the face of high yields, many investors are tempted, and some have opened ** accounts with multiple brokerages, just to get new customers to manage their finances. But there are four more caveats:
1) Understand the detailed product information: Before purchasing the income certificate, you need to carefully read and understand the product brochure and contract terms, and understand the issuer, term, minimum investment amount, yield, redemption method, linked target, early redemption conditions and other important information of the product.
2) Pay attention to market dynamics and risk warnings: During the period of holding income certificates, you need to pay attention to the market decline and the changes in the linked target, and adjust your investment strategy in time. At the same time, you also need to pay attention to the risk warnings and announcements issued by the company to keep abreast of the latest situation of the product.
3) **The company's products are numerous, we must screen and recognize them, and don't look at the propaganda one-sidedly and buy high-risk products by mistake.
4) Find a reliable investment advisor to help you.
If the article is helpful to you, remember to like and bookmark it!