1. A clear understanding of product types
At present, banks are often divided into financial products that guarantee income and non-guaranteed income, but also divided into fixed-income and floating-type income. To ensure the income of the bank financial products, for example, since the risk of small, it is also relatively low yield, the key currency and bond. In general, the initial purchase of the proposed bank financial products, customers can take into account the bank management to ensure that product income or fixed-income products.
2. To see the product investment
This is to understand the investment bank's financial products linked to the object. Among them, the varieties of these investments, including exchange rates, interest rates, gold, the Trust projects. At different times, under different market conditions will have different options, which requires investors to judge their own.
3. A clear liquid product
Investors to invest in the selection of varieties, the first time to use the funds have a clear estimate. Of individual investors, the bank's deadline for financial products in general should not be too long, it is proposed that investors seriously consider the issue of mobility, for example, in the purchase of financial products the bank enjoys the right of early redemption. Mobility will not only to investors in the bank a loss of financial products and timely opportunity to stop, and products in the banking financial market investors will be able to shoot up when cash receipts for the security pocket.
4. To see the proceeds of key words
In determining the personal risk tolerance and level of bank risk management products, investors should clearly understand the expected return. It is worth noting that the expected return must not be wrong when the actual income, expected income is the bank that, under normal market gains, and the banks have obligations to guarantee payment. Some banks it is the expected return in order to look good, their bank statement on financial products that will keep the renewal of the entire product of the total receipts to write. For example, a 5-year bank financial products 50% yield, its yield was about 10%, investors in the selection of financial products that banks pay more attention to "expected return" or "rate of return was" like key words.
5. Careful comparison yields
Members of the public financial management in the bank to buy products, how often will face the similar period in different products, select high-yield financial products. Wang Jin-finance experts said that investors in the purchase of bank financial products, as long as their attention to the calculation of yield to be the solution to this problem.
To an annualized yield of 6% and a 15-month yield to maturity of 7% of the banking financial products as an example, the proceeds from the absolute point of view of the bank 15 months yield financial products, but by calculating the real return at a glance: a product after the 15-month rate of return into an annualized yield of just 5.6%, revenue lower than the previous product.
