投资理财不可迷信“收益率”--杨远锋的博客

投资理财不可迷信“收益率”

[ 2011-1-18 10:55:00 | By: 杨远锋 ]

笔者近日走访几家银行网点了解到，不少募集期跨越元旦的短期理财产品，预期年化收益率都超过了4%，受到了投资者的欢迎。但专家提醒说，金融理财产品的盈利具有不确定性，最高收益率实现的几率因不同的产品设计而不同，为避免投资损失，在购买理财产品时，应仔细阅读合同条款，充分了解 “预期收益率”的真实含义。
专家介绍说，投资者庞先生购买了一家银行发行的一款股指商品双挂钩型理财产品，并约定 “不保本，浮动95%保本，预期最高收益率33.5%”。委托理财协议期满，庞先生投资亏损，银行仅向他支付了95%本金，以及理财协议到期日之后的利息。但庞先生认为该银行经营状况良好，其购买的理财产品一定盈利，便提起诉讼，要求银行按“预期收益率33.5%”赔偿损失。
“事实上，从银行的经营状况中并不能得出涉案理财产品一定盈利这一结论。”专家说，投资者的投资收益依赖于理财产品挂钩的标的在金融市场上的表现，其预期收益并不等于实际收益或保证收益，庞先生的赔偿要求难以获得法院支持。

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原创

[ 2016-9-6 19:06:00 | By: 原创(游客) ]

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原创

[ 2016-9-28 18:42:57 | By: 原创(游客) ]

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原创

[ 2016-9-30 13:20:15 | By: 原创(游客) ]

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Re:在漫画中识别身边的违章

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Re:在漫画中识别身边的违章

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Re:在漫画中识别身边的违章

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Re:在漫画中识别身边的违章

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Re:在漫画中识别身边的违章

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Re:在漫画中识别身边的违章

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