Guang Zhou Ri Bao·2025-06-22 05:08Group 1 - The recent decrease in bank deposit rates has led investors to consider bank wealth management products, raising questions about how to choose among them and what to pay attention to when investing [1] - Investors should consider the "three characteristics" of wealth management products: liquidity, risk, and yield. It is important to evaluate not just the yield and investment period, but also the underlying assets and investment strategies [1] - For funds that may be needed at any time, short-term wealth management products with a duration of less than one month are recommended. For funds with a duration of more than one month that require stability, "stable fixed income" products are suggested [1] Group 2 - Since the implementation of the asset management new regulations in 2018, banks have established wealth management subsidiaries to manage and operate wealth management products, while banks are responsible for distribution. This has led to differences in product yields, volatility, and types among various banks [2] - The relationship between the duration of wealth management products and actual returns is not always directly proportional. In some cases, short-term products may yield higher returns than long-term ones, especially during economic downturns [2] - Wealth management returns cannot be directly compared to bank deposits, as they are fundamentally different assets. Deposits have fixed interest rates and are insured up to a certain amount, while wealth management products are not guaranteed and can sometimes yield negative returns [3]