It was discovered that the "many" funds on the bank card only knew that the original financial product revenue actually exceeded the bank's expectations. Recently, Ms. Wang, a resident of Hankou, telephoned this newspaper. financial products Winning the lottery is expected to double earnings.

In 2009, Ms. Wang bought a financial product that should expire in April 30th this year. Cash option Financial products, the expected annual yield of 4.5%, not long ago, Ms. Wang found that the purchase of this product of 200 thousand yuan in cash and earnings have become demand deposits on bank cards.

To bank Financial Planner The reason was that the yield of the product was much higher than expected, so the bank terminated it in advance according to the agreement in the financial product book. Its announcement said, "the decision to terminate the product ahead of time, the early termination of the investor's annual yield is about 8.70% (based on the actual liquidation result), exceeding the expected annual yield of 4.5% in the product manual".

It is understood that this product is expected to yield and risk level is not high, the highest expected yield of 4.5%, belong to the middle class financial products. Because of the volatility of the two tier stock market during the duration of the product, its earnings have surprised the investors.

There are not many lucky investors like Ms. Wang. In the first quarter, the revenue of five financial products was zero. Because the four stocks associated with these products are mediocre, resulting in a zero return on the final product. At present, financial products, which are associated with stock market or stock, account for most of the yield.

Huaxia Bank (600015) Wuhan branch financial planner Wang Xue suggested that before buying linked financial products, we must select suitable hook varieties. Linked financial products are more complex than monetary and bond financial products, setting up many different conditions. Investors still need to have a certain understanding of the relevant stocks or sectors, so that we can select suitable hook varieties accordingly.