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收益降低甚至不保本,理财产品还能“买买买”吗?

2020-07-08 15:54:55    来源:工人日报

GAOBIE“WENZHUANBUPEI”SHIDAI

YINXINGLICAIHAINENG“MAIMAIMAI”MA?

YINXINGLICAICHANPINDONGZHE4%SHENZHI5%DESHOUYILVYICHENG“GUOQUSHI”。JINNIANSHANGBANNIAN,LICAICHANPINSHOUYILVYANXULEQUNIANZHENGTIXIAXINGDEQUSHI,BUFENCHANPINSHENZHIZAINIANZHONGCHUXIANFUSHOUYIXIANXIANG。ZHUANJIATISHI,XIABANNIANLICAICHANPINJIAGERENGYOUJIAODABODONGKENENG,TOUZIZHE“YINXINGGANGDUI”DEYUQIYAOBUDE。

JINNIAN6YUE,YINRENGUANZHUDEYINXINGLICAIFUSHOUYIQINGKUANG,RANGZHUDUOTOUZIZHEYISHIDAODAPOGANGXINGDUIFUBUJINJINSHIYIJUKOUHAO。

50等权YINQISHICHANGGUANGWEIGUANZHUDESHIZHAOYINLICAI“DAIXIAOJIJIKAI1HAO”,JIN1YUENIANHUASHOUYILVCENGDADAO-4.42%。DANJIZHEFAXIAN,CHUCIZHIWAIDUOJIAYINXINGDEDUOKUANCHANPINDOUCENGZAI6YUEFENCHUXIANGUOFUSHOUYI。

XINWANGYINXINGSHOUXIYANJIUYUANDONGXIMIAOBIAOSHI,ZHEISHIYOUYU5YUEFENYILAIZHAIQUANJIAGEXIAXINGMINGXIAN,BUFENYIZHAIQUANWEIZHUYAOTOUZIBIAODEDEYINXINGLICAICHANPINSHOUDAOJIAODAYINGXIANG,CHUXIANLEFUKUI。

SHISHISHANG,YINXINGLICAICHANPINSHOUYIXIAXINGYIBUSHICHAOXIZHISHI。RONG360DASHUJUYANJIUYUANSHUJUXIANSHI,JINNIAN1YUERENMINBIFEIJIEGOUXINGLICAICHANPINPINGJUNSHOUYILVJIUYIJIANGZHI4%YIXIA,SUIHOUSHOUYILVZHENGTICHENGXIAJIANGQUSHI,5YUESHANGXUNDIEZHI3.7%ZUOYOUHOUXIAOFUSHANGXING,6YUEPINGJUNSHOUYILVYUEWEI3.8%。

50等权ZHUANJIARENWEI,LICAICHANPINSHOUYILVJIANGDIDEYINSUYOUSAN:YISHISHICHANGLIUDONGXINGBAOCHIHELICHONGYUSHIDESHICHANGZIJINCHENGBENYOUSUOXIAJIANG;ERSHIZIGUANXINGUIGUODUQINEIYINXINGZICHANDUANJIEGOUXINGDIAOZHENGRENGZAIJIXU,FEIBIAOZHUNHUAZHAIQUANLEIZICHANTOUZISHOUDAOYUESHU,XINFACHANPINNANWEICHIJIAOGAOSHOUYI;SANSHIJINGJIMIANLINXIAXINGYALI,DALEIZICHANJIAGEZONGTIXIAJIANG。

50等权YUYINXINGLICAICHANPINSHOUYI“TONGJINTUI”DEHAIYOU“BAOBAOLEI”LICAICHANPIN。“BAQIANTOUJINYUEBAOYIHOUWOBUHUIMEITIANGUANZHUSHOUYI,DANZUIJINOURANFAXIANSHOUYILVHAIMEIYOUZHIQIANDEYIBANDUO。”NIANGUOWUSHISUIDEBEIJINGSHIMINWANGNVSHISHUO,ZIJILICAIZHISHIBUDUO,XUANZEYUEBAOZHEILEILICAICHANPINJIUSHI“TUYIGESHENGSHI”。

LICAICHANPINSHOUYIZHENGTIJIANGDIZHEIJIANSHI,HENDUOYI“SHENGXINSHENGSHI”WEIZHUYAOSUQIUDETOUZIZHESHICONGYUEBAODENG“BAOBAOLEI”LICAICHANPINSHOUYIHUAPOGANSHOUDAODE。RONG360DASHUJUYANJIUYUANCAIJIDE78ZHIHULIANWANG“BAOBAOLEI”CHANPINYANGPINSHUJUXIANSHI,JINNIAN1YUECHU,ZHEIXIECHANPINPINGJUN7RINIANHUASHOUYILVYUEWEI2.63%,6YUEDIPINGJUNSHOUYILVYIJIANGZHI1.72%。

JULEJIE,HUOBIJIJINZHUYAODETOUZIPINZHONGSHIDUANJIUQIGUOZHAI、JINRONGZHAI、GAODENGJIXINYONGZHAI、CUNKUAN、CUNDANHEZHIYASHINIHUIGOUDENGZICHAN,CILEIZICHANYUYANGXINGDEHUOBIZHENGCE、YINXINGJIANDEZIJINMIANGAODUXIANGGUAN。

50等权“MUQIANKETOUZIDEZICHANSHOUYIDOUCHUXIANDAFUXIADIAO。”TIANHONGYUEBAOJIJINJINGLIWANGDENGFENGYUJI,WEILAIHUOBIJIJINSHOUYILVHUIJIXUXIAOFUZOUDI,DABUFENHUOBIJIJINCHANPINZAI2%YIXIADESHUIPINGJIANGWEICHIJIAOZHANGSHIJIAN。

SHOUYIJIANGDILE,SHENZHIBUBAOBENLE,LICAICHANPINHAINENG“MAIMAIMAI”MA?

DUIYUFUSHOUYIXIANXIANG,GUOJIAJINRONGYUFAZHANSHIYANSHIFUZHURENCENGGANGBIAOSHI,DUANQIZHANGMIANDEFUSHOUYIBINGBUDAIBIAOZUIZHONGDEFUSHOUYI,DUIYUZHANGQILICAICHANPIN,TOUZIZHEBUBIGUODUGUANZHUCHANPINDEDUANQIJINGZHIBODONG。

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