Recently, many bank financial products in people's hands have suffered losses. What is the reason for this? What should we do in such situations?
According to public data, there are currently about 20,000 financial products issued by various banks, but since 2022, about 3,600 have experienced negative returns. It's not just financial products; the returns on funds, stocks, and other investments are also much lower than before.
A careful analysis of the reasons reveals that it is largely related to the "Asset Management New Rules" that officially came into effect this year. After the reform of the net value of financial products, the form of seeing the final returns only after maturity has changed to being able to see the net value changes every day. Therefore, when the market is not doing well, like it is now, many friends will quickly realize that their financial products have suffered losses.
At this point, you may understand that, compared to the past, financial products can now be conveniently checked for net value changes at any time. Once market fluctuations occur, they can be quickly detected, which also brings a certain level of panic to everyone.
So, according to the investment period of financial products, any net value changes before the product matures are not worth referring to, nor can they measure the quality of a financial product. We should still maintain a calm attitude and hold on to maturity. Maybe after maturity, your financial product will turn red instead?
So, the question arises, why have financial products recently suffered widespread losses?
I believe there are roughly three reasons:Firstly, influenced by factors such as the pandemic since the beginning of this year, various industries have experienced a downturn, with many investors adopting a wait-and-see attitude. This has led to less active market transactions, significantly affecting the trading volume in the investment market. Consequently, the investment returns of bank wealth management funds in the market have also been impacted.
Secondly, the bond market has been affected by factors such as interest rate cuts and reserve requirement ratio reductions, leading to certain retracements in some fixed-income assets and causing an imbalance in supply and demand. Many wealth management products have experienced significant fluctuations in returns due to their allocation in bonds.
Thirdly, the international market has been dragged down by the situation in Ukraine, resulting in a severe lack of market confidence, which has, to some extent, affected China's stock market and, in turn, dragged down wealth management products invested in the stock market.
Through the above analysis, it is evident that many factors have only temporarily emerged during this period. The combination of these factors has led to changes in the net value of the wealth management market. It is believed that with the continuous clarification of the future situation, the resumption of work and production after the pandemic, and the sustained positive development of China's economy, market confidence will be greatly boosted. In the long run, it is believed that the future wealth management returns will gradually reverse the downturn.
So, what should we do when encountering losses in wealth management products?
I think the most important thing is for everyone to maintain a balanced mindset and look far into the future, not letting short-term price fluctuations affect our long-term investment mentality. Of course, it is also necessary to correctly recognize the current state of investment risks, as future wealth management products no longer promise a guaranteed return.
Secondly, it is essential for everyone to continue learning and improving their understanding. By thoroughly analyzing the current complex situation, understanding the various characteristics and investment fields of the products they have purchased, and ultimately making the correct decisions, that is the most important.
Finally, I would like to leave you with this saying: no matter what kind of investment, high returns are always accompanied by high risks. While thinking about obtaining returns, it is crucial to face the objective existence of risks.So, what are everyone's thoughts on the current situation of financial products incurring losses?
Feel free to leave your comments and discuss.
Investing in financial products carries risks, so be cautious with your investments!!!
