Assuming the term and interest rate are the same, will the final income be the same for net-worth regular wealth management products and ordinary regular wealth management products?

It's different. The difference between net worth financing and income financing is that there is no expected rate of return. The issuer carries out valuation according to the asset market price of the product investment, and discloses the daily net value of the product.

The difference between net financial management and regular financial management;

1. Different liquidity: net worth wealth management products are opened regularly every week or month, and investors can redeem the wealth management products during the opening period. Ordinary regular wealth management products cannot be redeemed in advance, and forced early redemption will cause losses to the principal.

2. Different risks: the risks of net-worth wealth management products are slightly higher than those of traditional regular wealth management products, and the income of net-worth wealth management products changes with the changes of market conditions.

3. Information transparency is different: net worth wealth management products will update their income regularly, while the income of ordinary regular wealth management products is fixed.

Extended data:

Matters needing attention when purchasing

1. Purchase: It is necessary to make clear whether buying insurance is mainly for protection or wealth management. Usually, financial insurance should be purchased on the premise that basic insurance has been perfected, such as accident insurance and critical illness insurance. Because basic insurance is a kind of guarantee that can be obtained at any time, and insurance financing is an investment, most of it can not be paid or paid by installments until the agreed number of years or the agreed amount.

2. Investment direction: Insurance financing now has many investment directions, such as deposits, bonds, funds, stocks and other products. If the investment target of the purchased insurance financing is stock products, which is greatly affected by the rise and fall of the market, most wealth management insurance cannot guarantee the investment income. Once the market fluctuates, it will cause certain economic losses.

3. Time and terms of insurance. : The liquidity of insurance financing is poor, and it takes 3 years, 5 years, 10 years, 20 years or even life-long financing. Therefore, when choosing insurance, we must be optimistic about the guarantee time, payment method, refund time and specific benefits. And reasonably evaluate the premium to understand how much loss will be caused by surrendering in the middle.

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