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"Structured deposits" are not equal to savings deposits

Core tip: As the end of the year approaches, when citizens are busy planning to take care of year-end bonuses, a "structured deposit" that claims to be higher and safer than the deposit interest rate has attracted many people's attention. In this regard, bank financial planners reminded that this type of deposit is not a real savings deposit, and citizens must choose the appropriate financial management tool according to their own needs.

"Structured deposits" are not equal to savings deposits

Planner reminds citizens to read the terms clearly


The newspaper (Reporter Jiaying) was approaching the end of the year. While the citizens were busy planning to take care of the year-end bonuses, a "structured deposit" that claimed to be higher and safer than the deposit interest rate attracted a lot of attention. In this regard, bank financial planners reminded that this type of deposit is not a real savings deposit, and citizens must choose the appropriate financial management tool according to their own needs.

Capital preservation and low threshold for investment

A few days ago, Mr. Zhou, a citizen, wanted to keep the value of 50,000 yuan idle in his account to increase his value, so he came to a bank in Xinmin Road, our city, and was ready to buy a wealth management product. However, after the introduction of the staff, he turned to a strong interest in structured deposits that can keep the capital and the expected rate of return was 4%, and eventually bought structured deposit products with spare money.

"Now this type of structured deposit is very popular with the public. We don't talk about capital preservation, the initial deposit is not high, and the income is good." A financial manager of a commercial bank in our city told reporters that many banks currently use this type of structured deposit Key products are recommended to the public, and sales this year are indeed good.

So why is this structured deposit better than ordinary deposits? The reporter further learned that structured deposits are based on ordinary savings deposits, adding a structure of financial derivatives, such as linking to exchange rates, gold, stocks, etc., which is "time deposit + options". At present, the structural deposits issued by Chinese banks are basically 100% capital-protected. The threshold for investment is generally only 10,000 yuan, and it is claimed that in most cases, the expected maximum rate of return can be obtained.

The reporter also learned that, in fact, structured deposits have not only won the favor of many citizens in our city, but also received a high degree of attention in many regions of the country this year. As of September this year, the scale of the structural deposits of Chinese-funded national banks reached 10.8 trillion yuan.

Maximum yields may not be reached

The rapid popularity of structured deposits in the bank wealth management market in the past year has nothing to do with its higher expected yield. Many interviewed citizens also said that structured deposits were chosen mainly because their expected returns were much higher than ordinary deposits.

It is understood that the average interest rate of one-year bank deposits is currently only about 2%. Many citizens are unwilling to deposit, but the structured deposit interest rate can reach about 4%. A financial planner in the city, who asked not to be named, reminded that the yield looks attractive, but it may not be available. For example, the interest rate of a one-year structured deposit of a bank is 3.98% or 2%. The public may get a high interest rate of 3.98% or a low interest rate of 2%, depending on the underlying asset of the product. Market performance. If the asset performance is not good enough, then the highest rate of return will definitely not be obtained.

The financial planner also reminded the public that judging from the recent rate of return, the monitoring data showed that as of October this year, less than 80% of the more than 1,000 structured deposits in the country had reached the highest level. rate of return. In addition, after the implementation of the new regulations, the proportion of structured deposits reaching the upper limit of expected yields will decrease.

The reporter also learned that the Banking Regulatory Commission recently required banks to refer to the relevant regulations on "sales of wealth management products" when selling structured deposits, and to fully disclose the investment risks of structured deposits. However, some banks are still not fully reminded of their risks.

Cannot withdraw in advance for a fixed period

Unlike ordinary deposit products, structured deposits cannot be withdrawn in advance, which also requires the public to pay more attention.

It is understood that although ordinary savings deposits in banks also have deposit terms, they can be withdrawn in advance, but interest will be lost. However, institutional deposits do not work at all. Although the term "deposit" is used for structured deposits, it is not possible to withdraw principal interest in advance before maturity. However, the term is not too long, and most of them are within one year. The liquidity is not too bad. Therefore, if citizens need money at home within this year, it is better not to choose structured deposits, otherwise they can only pay principal and interest when they mature.

In short, for citizens, before purchasing structured deposits, they must still read the product manual carefully, choose the appropriate deposit type according to their actual use time of funds, risk tolerance, and other conditions, and do not equate structured deposits with ordinary deposits.

Editor-in-chief: dydaily

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