收益率前后腾挪？理财产品开始注水，投资者要如何小心？

Core Viewpoint - The landscape of bank wealth management products is changing, with new regulations impacting investor perceptions and product offerings, leading to potential misrepresentation of expected returns [1][2]. Group 1: Regulatory Changes - Recent regulations prohibit the promise of guaranteed returns and require banks to transparently reflect the historical performance of wealth management products [2][4]. - The focus on historical returns has led banks to showcase high past yields prominently while downplaying recent performance, which may mislead investors [3][6]. Group 2: Investor Behavior - Investors typically prioritize yield and safety when selecting wealth management products, often neglecting detailed information that may affect their decisions [2]. - There is a growing need for investors to scrutinize every detail of the product offerings, including terms and conditions, to avoid potential pitfalls [6]. Group 3: Sales Tactics - Banks are employing strategies to enhance sales by initially including high-performing assets in new products, which can lead to inflated early returns that do not sustain over time [6]. - The disparity between advertised yields and actual recent performance can create a misleading impression, prompting a need for greater diligence from investors [4][6].