理财产品换了个马甲,还是被我认出来了

作者: 发布时间:2017-12-09 17:18:46  来源: [手机访问]
导读: 我的银行理财产品到期,钱回来了,准备接着买。我特别喜欢买理财,因为买别的东西都是为了花钱,买理财可是为了赚钱。比如有一位朋友,不喜欢其它那些高风险的玩

我的银行理财产品到期,钱回来了,准备接着买。

我特别喜欢买理财,因为买别的东西都是为了花钱,买理财可是为了赚钱。

比如有一位朋友,不喜欢其它那些高风险的玩意,把大部分存款投向稳定理财产品,每个月的利息收入四五千元,妥妥的。

我很自信地打开电脑,进入网上银行,想把产品排个顺序,挑一个收益率高期限短的,随手买起。

然而......


理财产品变样了

以前是这样:

理财产品换了个马甲,还是被我认出来了

理财产品换了个马甲,还是被我认出来了

现在是这样:

理财产品换了个马甲,还是被我认出来了


看不懂我可怎么买

1、收益率不再是一个具体的数,而是4.3%--4.5%,那到底是4.3还是4.5呢?

2、点开详情,看到理财产品和基金一样,也有一个每日净值了。咋的了?这还会天天变吗?

理财产品换了个马甲,还是被我认出来了

我打电话到银行问,这么绕弯弯,这么不直观,我都看不懂了,还有人买吗?

资深高级理财专员回答我:人家还是买,看不明白,就稀里糊涂地买,反正相信银行。

为什么要变成这样呢?

因为最近出了管理新规,这个新规说起来话就长了,现在还在激烈讨论中呢。


我还是想弄清楚

1、收益率是一个范围,比如4.3% - 4.5%

有些银行最终给出的收益就是这中间的某一个数4.4%,有些银行就高不就低,会给较高的4.5%。

2、每天公布净值,净值就是每一份的价格

某个理财产品是长期运作的,你在中间某一天买入10万,它的净值1.05,那么你共有100000/1.05= 95238份,这个份数一直保持不变。

正常情况下,绝大多数情况下,银行理财产品的净值是每日上涨的,当然是很少一点点。

最终经过180天到期了,那天的净值显示为1.075,你的回收金额=份数95238 X 1.075= 102381元

然后真实的年化收益率就是:

(102381-100000)÷ 100000÷ 180 X 365 = 4.8%

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