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预期收益率是投资者选择理财产品的重要标准之一。但是,预期收益率真的一定靠谱吗?当前,越来越多的人开始投资理财产品,而在金融领域占据重要地位的银行理财产品成为众多投资者青睐的对象。通常情况下,银行理财产品涉及股票、债券、货币基金等投资领域。而预期收益率是投资者选择理财产品的一个重要标准。有些产品看似收益率很高,但波动很大,最终或许只能勉强保本;有些产品所公布的预期回报没有扣减销售费、管理费。另外,投资者进场的时间也会影响最终的实际收益。那么,预期收益率到底隐藏了哪些秘密呢?
The expected rate of return is one of the important criteria for investors to choose financial products. However, the expected rate of return really depend on it? At present, more and more people are beginning to invest in financial products, while in the financial sector has become an important financial bank products become favored by many investors. Normally, bank financial products involve stocks, bonds, money funds and other investment fields. The expected rate of return is an important criterion for investors to choose financial products. Some products appear to be very high yield, but volatile, and ultimately may barely capital preservation; some products announced the expected return did not deduct sales and management fees. In addition, the time investors approach will also affect the final actual return. So what is the secret hidden in the expected rate of return?