如何选择银行理财产品?

如何选择银行理财产品?

各外资银行基本都有不同于储蓄存款的风险理财产品,这是在向投资者提供理财顾问服务的基础上,接受投资者的委托和授权,按照与投资者事先约定的投资计划和方式,进行投资和资产管理的业务活动。投资者需要授权银行,让银行代表您,按照合同约定的投资方向和方式,进行投资和资产管理,投资收益与风险,由您或您与银行按照约定方式承担。所以,银行理财产品,更偏重于是风险投资也。

  具体而言,商业银行经营的理财计划,大致可分为三种:

一是,保证收益理财计划。该理财计划是指商业银行按照约定条件,向客户承诺支付最低固定收益,银行承担由此产生的投资风险,超出最低固定收益的其它收益,由银行和客户,按照合同约定分配。

二是,保本浮动收益理财计划。该理财计划是指:商业银行按照约定条件,向客户保证本金支付,本金以外的投资风险,由客户承担,并依据实际投资收益情况,确定客户实际收益的理财计划。

三是,非保本浮动收益理财计划。该理财计划是指:商业银行根据约定条件和实际投资收益情况,向客户支付收益,并不保证客户本金安全的理财计划。

  外资银行理财产品与储蓄存款相比,在流动性、风险、收益、税收、交易方式、产品类型等方面,都有很大的不同。

  首先,与储蓄相比,银行理财产品,流动性相对较差,通常,银行都会事先规定:能否提前终止?终止的日期等,有时,客户提前终止,需要承担一些损失。

  其次,从风险角度来看,储蓄存款,相对是最安全的。理财产品的风险,要视其投资方式和投资标的而定,比如,利率挂钩型产品,包含利率风险;汇率挂钩型产品,包含汇率风险;信用挂钩的产品,包含信用风险等。

储蓄仅需面对通货膨胀和存款机构破产,不能偿付本息的风险。

  第三,理财产品的收益率,只是“预期收益率”,最终实现的收益率,要看整个理财期间投资标的的表现而定。由于各银行的理财产品,都由其自行定价,因此,哪怕是期限、结构等完全相同的产品,在收益率上,有可能不同。

储蓄存款的利息收益是明确的,商业银行执行中国人民银行制定的统一存款利率。

  第四,储蓄存款按规定,必须由银行代扣代缴利息税。

理财产品因结构不同,在税收方面的处理,有不同情况

有的,是银行只代扣代缴基础存款部分的利息税;有的,是全部不代缴。

投资者该如何选择适合自己的理财产品呢?一般而言,选择适合自己的理财产品,应该做到下面几点:

  一,要了解自己。投资者在投资前,需要仔细考虑一下您的理财目的、资金量、理财时间、背景知识、对风险的认识等问题。选择哪种理财产品是您的权利,但是对所选的产品承担相应的风险则是您的责任,因此,投资者要在了解自己的基础上,考虑清楚后再付诸行动。

  二,要了解产品。投资者应尽量选择自己相对熟悉的产品,比如对股票相对比较了解,可以选择股票挂钩的产品;如对外汇相对比较熟悉,则可以选择汇率挂钩的产品。即便原来没有任何背景知识,也应该在购买前详细咨询独立的理财师,或要求银行专业理财人员详细解释。

  三,要了解机构,以及签字文件需要熟读后,签字本,需要一式二份。投资者应事先了解哪些金融机构可以销售理财产品。因为,不同的金融机构在理财产品和配套服务方面,有不同的特色和专长,因此,投资者可以选择最适合自己的产品,和最信赖的金融机构(已很少)。

  投资者不宜盲目跟风。应该辨别:理财计划的期限、投资方向和选择权结构,特别是,理财计划的类型,辨明理财计划是否保证最低收益?是否保证本金(文件中的表述,前后条款是否一致?)。同时,投资者应了解:理财计划是否给予交易各方以中止权?在什么样的条件下给予交易各方以中止权?最终,结合自己的理财目的,和风险收益偏好,来选择产品。

  值得投资者注意的是,“高收益,必定伴随着高风险;但,高风险,未必最终能带来高收益”。不同理财产品的风险种类不同,相同的理财产品的购买时机、购买价格等因素不同,所需承受的风险程度,也可能不同。就目前的理财产品而言,一般业内普遍认同的规律是:保证收益类产品的约定收益较低,风险也较低;非保证收益类产品的收益潜力较大,但,风险也较高。因此,投资者在投资不同的理财产品时,不能只看到产品描述的预期收益,而忽视了相应的风险。

应根据自身对理财产品风险的理解能力和承受能力,谨慎选择适合自己的产品类型(尤其是,各项文本的签字,更需要谨慎,又谨慎)。

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How to choose financial products?

Foreign banks basically have is different from the risk of financial products for savings deposits, which is to accept the commission and authorization of the investors to provide financial advisory services to investors on the basis of, in accordance with prior agreement with investors, investment plans and the way investment and asset management business activities. Investors need to authorize a bank to bank on your behalf, investment direction and manner in accordance with the contract, investment and asset management, investment returns and risks borne in accordance with the agreement by you or your bank. Therefore, financial products, more emphasis on the so venture capital.

In particular, commercial banks and the financial plan can be broadly divided into three types:

First, to ensure that the revenue financial plan. The financial plan refers to commercial banks in accordance with the agreed conditions, the Client undertakes to pay a minimum fixed income, the banks bear the resulting investment risks, exceeds the minimum fixed income, other income, by banks and customers, allocated in accordance with the contract.

Second, Guaranteed Floating revenue financial plan. The financial plan means: commercial banks in accordance with the agreed conditions, to assure customers of principal payments other than the principal investment risk borne by the customer, and based on the actual investment earnings to determine the financial plan of the actual income of the customer.

Third, non-security floating revenue financial plan. The financial plan means: commercial banks in accordance with the agreed terms and the actual investment income paid to the customer benefits, does not guarantee that the financial plan of the client-principal security.

Compared to financial products and savings deposits in foreign banks, liquidity, risk, income, tax, transactions, product type, etc., there are very different.

First of all, and savings, financial products, mobility is relatively poor, usually, the bank will be specified in advance: whether early termination? The date of termination, etc., and sometimes, the customer early termination of the need to take some losses.

Secondly, from a risk point of view, savings deposits, the relative is the safest. The risk of financial products, depending on its investment approach and investment targets, for example, interest rate-linked products, including interest rate risk; exchange rate-linked products, including exchange rate risk; credit-linked products, including credit risk.

Saving only the face of inflation and deposit-taking institutions, bankruptcy, unable to pay principal and interest risk.

Third, the rate of return of financial products, only the expected rate of return, and ultimately the rate of return, look at the whole financial investment targets during the performance. Because of financial products for banks, by its own pricing, so even if it is identical to the period, the structure of the products, the yield may be different.

Savings deposits, interest income is clear, the commercial banks to implement the People’s Bank of China to develop a unified deposit rates.

Fourth, the savings deposit required by banks to withhold and pay tax on interest.

Financial products due to the different structures in the processing of the tax, there are different

Some banks only withheld the basis of deposit interest on the part of the tax;, is all the non-payment.

Investors how to choose their own financial products? In general, choose their own financial products, it should do the following points:

First, to understand their own. Before investing, investors need to carefully consider your financial objectives, the amount of money, financial time, background knowledge, risk awareness. The choice of financial products is your right, but bear the corresponding risk for the selected products is your responsibility to investors in understanding the basis of their own, to think clearly and then put into action.

Second, we must understand the product. Investors should try to choose the familiar, such as the stock is relatively understanding, you can choose to equity-linked products; relatively familiar with the foreign exchange, you can choose the exchange rate-linked products. Even if the original does not have any background knowledge, should also be detailed consultation before buying an independent financial planner, or require banks to professional money managers to explain in detail.

Three, to understand the institutions, as well as signature files need to be familiar with the signing of this, you need a duplicate. Investors should know in advance which financial institutions can sell financial products. Different financial institutions in the financial products and supporting services have different characteristics and expertise, therefore, investors can choose the most suitable for their own products, and most trusted financial institutions (rarely).

Investors should not blindly follow the trend. Should identify: the period of financial planning, investment direction and the right to choose structure, especially the type of financial plan to identify financial plan to ensure a minimum income? Guarantee the representation of the principal (file, before and after the terms are the same?) At the same time, investors should be aware of: the financial plan whether to grant the parties to the transaction to suspend the right? Under what conditions to give the parties to the transaction to suspend the right? Ultimately, the combination of financial management purposes, and the risk-return preferences, to select the product.

Worth the attention of investors, “high-yield, must be accompanied by high-risk; However, the high-risk, may not eventually be able to bring high-yield”. Different types of risks of different financial products, the same time to the purchase of financial products, the purchase price and other factors, and risk tolerance level required may be different. The current financial products, general industry generally agree that the law is: to ensure that income products agreed upon lower income, lower risk; non-guaranteed revenue potential income products, but also a higher risk. Therefore, investors in the investment of different financial products, not only to see the product description of the expected return, while ignoring the risk.

Should be based on their own understanding of the risks of financial products and affordability, careful selection of the product type (in particular, the signing of the text, more need to be careful and cautious).

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如何選擇銀行理財產品?

各外資銀行基本都有不同於儲蓄存款的風險理財產品,這是在向投資者提供理財顧問服務的基礎上,接受投資者的委託和授權,按照與投資者事先約定的投資計劃和方式,進行投資和資產管理的業務活動。投資者需要授權銀行,讓銀行代表您,按照合同約定的投資方向和方式,進行投資和資產管理,投資收益與風險,由您或您與銀行按照約定方式承擔。所以,銀行理財產品,更偏重於是風險投資也。

具體而言,商業銀行經營的理財計劃,大致可分為三種:

一是,保證收益理財計劃。該理財計劃是指商業銀行按照約定條件,向客戶承諾支付最低固定收益,銀行承擔由此產生的投資風險,超出最低固定收益的其它收益,由銀行和客戶,按照合同約定分配。

二是,保本浮動收益理財計劃。該理財計劃是指:商業銀行按照約定條件,向客戶保證本金支付,本金以外的投資風險,由客戶承擔,並依據實際投資收益情況,確定客戶實際收益的理財計劃。

三是,非保本浮動收益理財計劃。該理財計劃是指:商業銀行根據約定條件和實際投資收益情況,向客戶支付收益,並不保證客戶本金安全的理財計劃。

外資銀行理財產品與儲蓄存款相比,在流動性、風險、收益、稅收、交易方式、產品類型等方面,都有很大的不同。

首先,與儲蓄相比,銀行理財產品,流動性相對較差,通常,銀行都會事先規定:能否提前終止?終止的日期等,有時,客戶提前終止,需要承擔一些損失。

其次,從風險角度來看,儲蓄存款,相對是最安全的。理財產品的風險,要視其投資方式和投資標的而定,比如,利率掛鉤型產品,包含利率風險;匯率掛鉤型產品,包含匯率風險;信用掛鉤的產品,包含信用風險等。

儲蓄僅需面對通貨膨脹和存款機構破產,不能償付本息的風險。

第三,理財產品的收益率,只是“預期收益率”,最終實現的收益率,要看整個理財期間投資標的的表現而定。由於各銀行的理財產品,都由其自行定價,因此,哪怕是期限、結構等完全相同的產品,在收益率上,有可能不同。

儲蓄存款的利息收益是明確的,商業銀行執行中國人民銀行製定的統一存款利率。

第四,儲蓄存款按規定,必須由銀行代扣代繳利息稅。

理財產品因結構不同,在稅收方面的處理,有不同情況

有的,是銀行只代扣代繳基礎存款部分的利息稅;有的,是全部不代繳。

投資者該如何選擇適合自己的理財產品呢?一般而言,選擇適合自己的理財產品,應該做到下面幾點:

  一,要了解自己。投資者在投資前,需要仔細考慮一下您的理財目的、資金量、理財時間、背景知識、對風險的認識等問題。選擇哪種理財產品是您的權利,但是對所選的產品承擔相應的風險則是您的責任,因此,投資者要在了解自己的基礎上,考慮清楚後再付諸行動。

  二,要了解產品。投資者應盡量選擇自己相對熟悉的產品,比如對股票相對比較了解,可以選擇股票掛鉤的產品;如對外匯相對比較熟悉,則可以選擇匯率掛鉤的產品。即便原來沒有任何背景知識,也應該在購買前詳細諮詢獨立的理財師,或要求銀行專業理財人員詳細解釋。

三,要了解機構,以及簽字文件需要熟讀後,簽字本,需要一式二份。投資者應事先了解哪些金融機構可以銷售理財產品。因為,不同的金融機構在理財產品和配套服務方面,有不同的特色和專長,因此,投資者可以選擇最適合自己的產品,和最信賴的金融機構(已很少)。

  投資者不宜盲目跟風。應該辨別:理財計劃的期限、投資方向和選擇權結構,特別是,理財計劃的類型,辨明理財計劃是否保證最低收益?是否保證本金(文件中的表述,前後條款是否一致?)。同時,投資者應了解:理財計劃是否給予交易各方以中止權?在什麼樣的條件下給予交易各方以中止權?最終,結合自己的理財目的,和風險收益偏好,來選擇產品。

值得投資者註意的是,“高收益,必定伴隨著高風險;但,高風險,未必最終能帶來高收益”。不同理財產品的風險種類不同,相同的理財產品的購買時機、購買價格等因素不同,所需承受的風險程度,也可能不同。就目前的理財產品而言,一般業內普遍認同的規律是:保證收益類產品的約定收益較低,風險也較低;非保證收益類產品的收益潛力較大,但,風險也較高。因此,投資者在投資不同的理財產品時,不能只看到產品描述的預期收益,而忽視了相應的風險。

應根據自身對理財產品風險的理解能力和承受能力,謹慎選擇適合自己的產品類型(尤其是,各項文本的簽字,更需要謹慎,又謹慎)。

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《如何选择银行理财产品?》有一个想法

  1. Video: “Reach High and Hope Deeply”
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    Your Daily Snapshot for
    Friday, May 18, 2012

    Video: “Reach High and Hope Deeply”

    This week, the President discussed his plan to help responsible homeowners in Reno, gave the commencement address at Barnard College, honored law enforcement officers, awarded the Medal of Honor posthumously for heroism in the Vietnam War, and continued to call on Congress to act on a “To Do List” that will create jobs and help restore middle class security.

    This week, we also have a special introduction from David Beckham, who visited the White House with soccer team LA Galaxy. Check it out and watch the full video:

    In Case You Missed It

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    White House Office Hours: Let’s Move! with Sam Kass
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    National Plan to Address Alzheimer’s Disease
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    Today’s Schedule

    All times are Eastern Daylight Time (EDT).

    10:15 AM: The President will deliver remarks at the Symposium on Global Agriculture and Food Security

    11:00 AM: The President holds a bilateral meeting with President Francois Hollande of France

    12:30 PM: The Vice President attends a campaign event

    6:00 PM: The President departs the White House en route Camp David

    6:30 PM: The President arrives at Camp David

    7:30 PM: The President greets G8 leaders

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