Experts will teach you how to choose financial products for stable financial products. _ Sina finance _ xinlang net

□Zhong yongbin, guangfa bank

With the easing of market liquidity shortage, the expected rate of return on banking and wealth management products has declined since 2014. In this case, how should primary investors choose financial products?

Individual Investors should use a reasonable combination of financial products to maximize the overall rate of return while controlling overall investment risks. How can we analyze the actual income level of financial products, such as their investment targets, investment strategies, and product structures? At the same time, we need to analyze and determine the market dynamics.

Currently, bank financial products mainly include capital-preserving financial products and non-capital financial products. The non-capital financial products are still the mainstream in terms of their distribution scale. The expected benefits of such products are often directly influenced by market liquidity. Therefore, the key to purchasing such financial products is to choose the purchase time and the target of investment products. Guangfa bank's "guangyin Anfu" product provides customers with different risk levels of financial management options.

The so-called structured priority product divides investment funds into two levels: Priority fund and inferior fund. Priority fund has the right to give priority to income distribution and reimbursement, and the expected income is relatively fixed, risk Control is relatively strict, while inferior funds bear high risks and enjoy floating income.

Investment time loss is a factor ignored by many investors. Investment income of financial products = actual return x investment time. Therefore, the loss of investment time caused by empty financial resources will directly affect the overall income level. Investors should fully consider the liquidity of investment funds, and pay attention to the long, medium, and short matching in the term of investment.