How about Hongjin Financial Management?

Hongjin Financial is a net-worth financial product launched by Postal Savings Bank of China under Postal Bank Wealth. The performance comparison benchmark for this type of product is between 3.30% and 4.30. Generally speaking, it can be considered. . The minimum holding position of Hongjing Financial Management is 270 days. Redemption cannot be carried out during the 270-day holding period. Redemption can only be applied for during the open period after the holding period. Redemption applications will be made between 0:00 and 17:00 on the same day. It will be accepted within 3 working days and will arrive in your account within 3 working days.

The income of Hongjin Financial Management will be disclosed based on the net unit value of the opening day within 2 working days after each opening day. The income will fluctuate to a certain extent with the market, so historical income cannot be used to evaluate this financial product. income. The calculation rule is to calculate the income based on the net unit value at the end of the day on the purchase date and redemption date.

Hongjin Financial Management is a medium-risk financial product. Currently, the risk levels of financial products are divided into five levels. Low-level products have small net value volatility, and the possibility and magnitude of net value retracement are small. After investment, The probability of loss is small, and a certain amount of income can be obtained, but the income is not high. The gains at the mid-level are relatively higher and the losses are smaller than those at the low-level. The net value of mid-to-high-level and high-level products is highly volatile, and the net value may experience a relatively large retracement, and the possibility of investment losses is high. There are also situations where the redemption of the product after maturity is highly uncertain.

Net value financial products are more suitable for people who have a certain risk tolerance and pursue high returns. Therefore, for conservative investors who pursue stable overdue returns, the risk of net value products is higher than that of expected return products. product.

The income calculation of net value products is very simple. Net value products are generally calculated based on shares. When they are first established, the initial net value is usually 1. If you purchase a net value product of 100,000 yuan at this time, it will also That’s equivalent to purchasing 100,000 copies. The operation time of Hongjin Financial Management is 270 days. If the net value is 1.02 on the day of expiration, the annualized rate of return of this net value product will be 2.7%. Therefore, when purchasing products such as Hongjin Financial Management, you need to consider your investment based on your own risk tolerance.