After experiencing the fluctuation of the net value of bank wealth management products and the pressure of redemption since June165438+February, major banks have started new strategies one after another, placing "low-wave product area" at the core of the wealth management area, focusing on marketing low-wave strategic wealth management, and actively launching amortized cost valuation wealth management products.
In the APP of China Merchants Bank, Funjun found that a series of products with "stable low waves" were displayed in the center of the wealth management area, and articles such as "stable low-wave wealth management, timely investment" were also published in the investment, mainly promoting wealth management products with heavy positions and low waves assets.
Bank of China also recommended "low volatility strategy" wealth management products in the "best seller" column at the core of the wealth management area.
In addition to selling "low-wave products" in the product marketing sector, banks have also launched wealth management products valued by amortized cost method. According to the reporter's incomplete statistics, CCB Financial Management, Huaxia Financial Management, Xingyin Financial Management, Yin Xin Financial Management, Yin Su Financial Management and Yin Hang Financial Management all launched financial products valued by amortized cost method.
Recently, CCB Financial launched a closed product with amortized cost method, which is intended to allocate bank deposits and bonds with matching maturities. The performance benchmark of this product is 3.60% ~ 4.00%, the term is 398 days, the purchase starting point is 1 yuan, and the risk level is R3. The publicity selling points are "hold to maturity, steady strategy", "cost method measurement, stable fluctuation" and "closed operation, automatic expiration".
A fixed-income pure debt closed-end product sold by Huaxia Wealth Management is divided into two phases, each with a quota of 2 billion yuan, and the benchmark of product performance is 3.60% ~ 4.00%, with a term of 453 days. 65,438+000% invested in fixed income assets and no equity position. According to the sales channel, the product is valued by amortized cost method, and the selling point is "eliminating the risk of fluctuation of net holding value".
Xing Yin Wealth Management recently launched a cash management product with an initial investment of 0.0 1 yuan, mainly invested in bank deposits, interbank deposit certificates and so on. This product is also called amortized cost method.
Yin Xin Wealth Management introduced a closed product with stable fixed income, also called amortized cost method. The risk level of this product is PR2. Yin Xinjinrong introduced in his promotional video that "the amortized cost method is used to estimate and filter the bond market disturbance".
A cash management product previously launched by Yin Su Wealth Management has an annualized rate of return of 2.03% in seven days, and it is also said in recent publicity that the product is valued by amortized cost method.
Yin Hang Wealth Management recently launched a fixed-income wealth management product with low R2 risk. The product promotion page also marked "Amortization cost method valuation, lower exit probability".