理财产品靠“化妆”留不住用户

Core Viewpoint - The article highlights the discrepancies between advertised high returns of financial products and the actual returns experienced by investors, emphasizing the need for transparency and responsible marketing practices by financial institutions [1][2][3]. Group 1: Issues with Performance Display - Financial institutions often showcase selective past performance metrics, emphasizing the best-performing periods while downplaying less favorable results, leading to potential investor disappointment [1][2]. - The performance metrics displayed can vary significantly based on the selected time frame, which can mislead investors if they do not scrutinize the details [2][3]. Group 2: Importance of Asset Management - The core of financial management lies in asset allocation and management capabilities, which are crucial for retaining investor trust and long-term relationships [2]. - Investors are increasingly focused on the financial institution's ability to manage assets effectively, especially in a market where products no longer guarantee returns [2][3]. Group 3: Recommendations for Investors and Institutions - Financial institutions are urged to adhere to regulations and maintain consistency in how past performance is displayed, ensuring that it reflects stability and logical coherence [3]. - Investors should prioritize long-term performance over short-term gains, recognizing that consistent performance is often more valuable than sporadic high returns [3].