At present, the business scope of banks is relatively wide, including deposits, sales of wealth management products, funds, insurance products, and some banks' wealth management counters can also invest in futures. Among these products, it is more likely that the wealth management products,
(1) Wealth management products
There are two situations of wealth management products sold by banks, one is self-sale, that is, the sale of wealth management products issued by their own banks; Another type of consignment sales is the sale of wealth management products sold by other financial institutions. However, as far as the current situation on the market is concerned, whether it is self-sale or consignment, if it is a low-risk wealth management product, then the yield cannot reach 10%, and the bank will not give gifts; If it is a high-risk wealth management product, the market situation is relatively good, there may be this rate of return, but the high-risk wealth management product is possible to lose money, and the bank cannot use the excuse of deposit to let depositors buy.
(2) Fund
The same is true of funds, high-risk fund banks certainly do not dare to use the excuse of deposits to sell, and low-risk funds can not achieve such a high rate of return, and banks generally only sell funds and will not issue funds, then it is equivalent to banks in the sale of funds only earn commissions, if you deposit 1 million to give gifts, then it is possible that the bank is selling money funds, but just deposit 10,000 to give gifts, that is basically impossible.
(3) Insurance
In fact, the first time I saw this problem, I felt that this must be an insurance product, and only insurance companies will give "gifts of such high value" when selling insurance. Because the insurance product may indeed not pay high premiums initially, but in fact, it will be followed by several years of premiums, and the insurance period may be as long as 20 years, or even directly a whole insurance. In this case, the insurance company can make money even if it gives gifts worth one or two thousand.
Can I purchase insurance?
Whether you can buy it depends on yourself, if you buy it as a gift, it is absolutely unnecessary, if you really have insurance needs, you can buy it.If it's a gift, why isn't it necessary to buy it?
(1) The payment period of insurance products is long
If you save 10,000 and give a gift, then the payment period of this insurance is likely to be more than 5 years, or even 10 consecutive years, and you need to pay directly, that is, you need to save a total of 50,000 or even 100,000 to receive this gift.
And if we take this money directly and save it regularly for 5 or 10 years, the interest received is completely enough to buy gifts.
(2) Is the yield of insurance really that high?
Some people will say that insurance also has income, but it should be noted that insurance does have income, but the income of insurance is not as high as he advertises, and the expected rate of return is when advertising, but it is difficult to say whether the actual income can be realized.
And insurance has another point, that is, because you saved less money in previous years, this income is basically negligible, and when you accumulate more money in the future, there will be a certain income.
