Four Small Details Show That Financial Products Are Not Worth Buying.

Nowadays, financial management products have become one of the main tools of asset allocation for individuals and families, and the number of new financial products is increasing, and financial risk has also increased. Reed, a famous third party organization in China, said that if he bought financial products, he could detect risks in time, and found that investment was not cost-effective. The following four small details can help you judge that the financial products you purchased may be risky or worthless.

　　 1, the actual investment period of the product is longer.

Many investors often see some ultra short term financial products, with short investment period, high safety and high income, so they can readily buy it. As a matter of fact, we don't know that the financial products are hidden in the interest rate day. Maybe the products can not be seen for a long time for a long period of time. On the contrary, the short period of products is not cost-effective. Ms. Zhang of Jifeng Reed Club bought a 7 day bank financial product last year. The annual yield is expected to be 5.8%. Who knows, the raising period is two or three days, and the account has been dragged for two or three days. The funds have been idle for five or six days, so that the real income of the product has been doubled, and the actual investment income has shrunk. Therefore, when we see the product, we should pay attention to the length of the actual investment period and estimate the income.

　　 2, the product's income does not meet the requirements. production cycle

Generally speaking, a normal financial product, the lower the risk, the longer the product holding time, the higher the rate of return. For example, treasury bonds, the 3 year coupon rate is around 5%, while the 5 year coupon rate is 5.51%. If you see this financial management investment threshold is 1000 yuan, the annual yield of more than 15%, the product's income does not seem to meet the production cycle, then you have to be careful. Under normal circumstances, the annual interest rate of financial products with a low risk of 1 years is about 6%-12%, such as the fixed income products led by Yisheng fortune Yisheng Bao, which has an annual yield of 9.6%. The return is more consistent with the production cycle and the security is higher.

　　 3. There is advance in the instructions. Termination clause

If there is an "early termination clause" in the instructions of the bank's financial products, it means that the bank can terminate in advance, while the customer can't terminate it in advance, and the customer has no right to terminate it. Unlike early redemption provisions, termination clauses are more likely to hurt investors. To meet this product, Jifeng Reed financial planner will remind investors to avoid such financial products. If the redemption is not clear, then you have to consider whether this product is really cost-effective.

　　 4. Financial Manager Light on risk

Often there are financial managers in order to get high interest, keep silent or talk less about the risks of products. In the publicity materials of financial products, the risk hints are not obvious. Many investors are also confused about the risk of products, and even buy it in a muddle. If you encounter this situation at first, jife Reed financial planner reminds us to understand the risk of the product before deciding whether to buy it or not.

The above four small details show that financial products are not cost-effective or unsafe, and investors must be cautious when buying products.