Common bank deposits include demand, time, large certificates of deposit, structured deposits, etc. You may be familiar with time and demand deposits, but you a...
Jul 28,2021 | Editha
Common bank deposits include demand, time, large certificates of deposit, structured deposits, etc. You may be familiar with time and demand deposits, but you are unfamiliar with structured deposits. How big is the risk?
Structured deposits have been launched for many years, and only after the new regulations on asset management came into effect in 2018, requiring banks to stop issuing capital-protected wealth management, structured deposits have exploded, and structured deposits are considered the best alternative to capital-protected wealth management products, and are also regarded by major banks as an important tool for collecting deposits.
There is a difference between structured deposits and regular deposits. Most of the funds are used for credit or investment in low-risk products to get more stable returns, while a small portion of the funds are used for investment in high-risk and high-return products to get higher returns, for example You buy 100,000 Yuan structured deposit, the bank will deposit 98,000 in fixed term, the remaining 0.2 million to buy financial derivatives, such as stock index, futures, options and other derivatives, here the 98,000 is capital preservation, the remaining 0.2 million if profit gain will be much higher than the fixed deposit, of course, there is also the possibility of loss, so the expected return of structured deposit is volatile. The level of expected return depends on the performance of derivatives.
Structured deposits are risky in comparison with ordinary time deposits, and the size of the risk depends mainly on the proportion of investment in financial derivatives, so you should read the product contract when buying structured deposits and understand the type of derivatives invested and the proportion.
A blog article about the process of creating rapid prototype sheet metalmetal parts in a printer versus traditional methods ...
Online payments have become popular in many cities around the world, and third-party payment platforms that support credit c...
BIGTREETECH Upgrade PI TFT50 V2.1 TFT LCD Display+EBB36 CAN Bus Adapter Board with MAX31865 ❤【Wide range of applications】 5 ...
Delve into the world of repellents, mosquito control, and fabric care through our regularly updated Brand BLOG. Established ...
How do I pick a quick charger?Think of the connector first. Instead of the standard rectangular USB-A connector, Power Deliv...
Is 6G available in the UK?The UK government has made plans to unleash 5G and 6G innovation, in part thanks to a collaborat...
The 72-hour PCR test should be taken when?Pick an exam that\ s appropriate for the place you\ re going. A quick antigen test...
The weather is getting hotter now. Friends who have carpets at home should also clean their carpets. If they should be put a...
electric mop Dry Wet Vacuum Cleaners Cordless Vacuum Cleaner