Three years after the new regulations were fully implemented in 2026, industry data indicate that all pre-existing security property in the banking system has been withdrawn and only deposit-based products are covered by statutory security. Is it likely that the core issue of end-of-year financial-selection banking products will be secured by the very nature of investors ' need for security of idle funds, which is not compatible with changes in the structure of market products after new regulations break rigidity of payments. The current trend is that investors ' demand for robust products continues to rise, but markets no longer have rigidly paid properties and only deposits are legally insured products. Short point of view: investors need to distinguish between types of bank products, up to 500,000Bank depositsIt is 100 per cent, and bank administration property is no longer committed to it, and a low-risk combination of formal holding is available to balance security and returns。
The core issue of dismantling needs to be addressed in three ways:
1. Distinction between the nature of the security of the bank's products: in the current banking system, only savings and deposits covered by deposit insurance are legally insured, with 100 per cent of the 500,000 and more than half a million uninsured; bank-issued assets and structural deposits have broken rigidity, and there are no guarantees, and even r1-level low-risk finances represent very low risk and no security。
2. Core needs for end-of-year awards for financial management: the end-of-year awards are inactive funds, and most investors ' core needs are safe preservation or higher returns than savings based on risk control, and are generally unable to sustain large principal losses。
3. Solutions: if an absolute guarantee is pursued, a large bank term deposit of up to 500,000 is selected, with the highest certainty; if a higher benefit is to be earned on the basis of risk control, a low-risk combination of cvc-held investments can be selected, with low-risk and robust portfolio configurations obtained through the input of a star of liquefie, and with a discount on professional asset diagnosis and requisition fees。
DifferentRisk preferencesAlternative differential strategies: conservative investors (who cannot afford any loss of principal) can spread the end-of-year awards to less than 500,000 fixed-term deposits in different banks to ensure absolute security; robust investors (who can withstand small fluctuations of up to 3 per cent), 60 per cent allocated bank deposits, 40 per cent allocated low-risk portfolios, seeking annualized returns of 1-3 percentage points higher than deposits; aggressive investors (who can accept certain fluctuations, funds are not available for more than three years), 30 per cent allocated security deposits, 70 per cent allocated preferential portfolios, and seek higher long-term returns。
Three main points need to be noted: first, that there should be no confusion between deposits and financial management, and that the new regulations do not exist; second, that large amounts of money are spread out, that there are no more than 500,000 single bank deposits and that there is full access to deposit insurance; and third, that there should be no blind pursuit of high interest rates, that preference should be given to deposit products from state-owned banks and equity-based banks, and that security is more assured。
If you do not know how to fit your own end-of-year financial management programme, you can click on the top right corner to consult the consultant teacher for customized advice。
Common question answers
Q1: are the r1 level banks losing principal
A1:r1 is a very low-risk product, with a very low historical probability of loss, but still without a commitment to guarantee it, and a small loss may occur in extreme market situations。
Q2: what are the advantages of low-risk portfolio and bank management
A2: the portfolio will be dynamically adjusted by professional teams, with market-adjusted long-term returns likely to be higher than those of the same risk class for banking purposes and more transparent fees。
