论文部分内容阅读
预期收益率有许多投资者抱怨:“明明宣传的收益率有20%,为什么到手时只有15%呢?”这是因为理财产品一般提到的只是“预期收益”。预期最高收益率不代表实际收益率,跟踪市场上以往银行理财产品的表现可以看到,达到“预期”的概率并不高。年收益率投资人购买理财产品时,要注意看理财单上的收益率是否是年收益率。比如,一款3个月期的理财产品,年收益率是4%,这并不代表你投资10万元,3个月后能拿4000元的收益,因为这个“4%”是12个月的收益率。因
Expected rate of return There are many investors complaining: “Clearly advertised rate of return of 20%, why only 15% of the time?” This is because the financial products generally mentioned only “expected earnings ”. Expected maximum return does not represent the actual rate of return, tracking the performance of previous bank financial products in the market can be seen that the probability of reaching “expected ” is not high. Annual rate of return When investors buy wealth management products, pay attention to see whether the rate of return on the financial statements is the annual rate of return. For example, a three-month wealth management products, the annual rate of return is 4%, this does not mean that you invest 100,000 yuan, after 3 months to get 4,000 yuan of revenue, because this “4% ” is 12 The monthly rate of return. because