The wealth management bought by Wuxi Xizhou Village Bank has not been redeemed. How could it lose money?

The wealth management products bought in the bank, with the type of R 1, are robust wealth management products. I thought I wouldn't lose money, but I found that I lost money after buying it, which made investors very worried and confused.

What are the reasons for the loss of bank wealth management products?

Mainly affected by the adjustment of the bond market, after all, most bank wealth management products are investment bonds, including but not limited to various bonds, deposits, money market funds, bond funds, pledged and buyout buybacks. The income of investment targets declined, and the income of wealth management products naturally declined.

Another reason for the loss of bank wealth management products is that they show losses in a short time after purchase. This is because the income of wealth management products is already net, and it does not promise to protect capital and interest. The new asset management regulations issued on April 20 18 mentioned breaking rigid redemption, that is, asset management institutions could not promise investors to protect capital and interest on the income of wealth management products.

If you buy wealth management products, it coincides with the opening period of product purchase and redemption. If investors redeem at this time, they may lose their principal. Therefore, when purchasing wealth management products for redemption, try to avoid the open period of product purchase and redemption.

There is no loss in bank wealth management products from the beginning to the present, which shows that the wealth management product industry has undergone earth-shaking changes, but investors need not worry too much, because the short-term negative income of wealth management products does not represent the actual negative income. Bond prices rise and fall, and eventually the market price will return to its intrinsic value. As long as it is not redeemed in a short time, the negative income on the book will not bring the actual negative income.

When buying and selling bank wealth management products, we should mainly pay attention to these points: investment scope, investment target, risk level, historical performance, management ability and so on. You can't think that this is a bad wealth management product just because the net value has fallen. You should evaluate it comprehensively.

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