银行保本型理财产品怎么样？
关键词：银行保本型理财产品怎么样？
由于银行存款利率太低，越来越多人喜欢购买保本型的理财产品，风险低，收益又比定期存款高，那么，现在购买银行保本型理财产品是怎么样呢？接下来，请看大田小编的分析。
目前受到来自宏观经济增长、货币政策维持宽松预期不变以及股市调整的影响，银行理财产品的收益率正处于持续下滑的状态，据了解，银行最新发售的非结构性人民币理财产品年化收益为4.64%，环比大部下降0.13个百分点，其中保本浮动收益型产品平均预期年化收益率环比下降0.31个百分点，跌破4%，走入3’时代。
在这种情况下，购买银行保本型理财产品还值得吗？但是除了这些产品，还能怎么做风险低的理财呢？
大田小编觉得，大家可以挑两三个项目来做理财，就比如现在，虽然保本型理财产品收益率跌至3.75%，但是您还是想要购买，那么您可以在购买这些产品的同时，分出小部分资金投资在另一个收益较高但有风险的产品上来博取收益。对于产品的选择，相较于股票，小编更偏向于推荐您投资贵金属，比如说大田的千克金。
你可能没有听说过千克金，其实它是大田环球推出的一种以国际伦敦贵金属现货及期货市场价格，以及中国银行离岸人民币兑美元为报价基准的贵金属投资产品。它与伦敦金的交易机制无大区别，但相较于伦敦金，其用人民币计价，免去了投资者折算汇率的繁琐过程。另外，相较于国内的黄金投资产品而言，其又具有交易时间长、交易成本低、收益高的特点，十分适合用作以小博大。
完全没有接触过黄金投资的新手，也可以在大田找到适合的新手教程，此外，这里还有专业的操盘导师在线为您提供指导，详情可以登录大田官网详细了解。
本文来源： 大田环球贵金属
最新内容
Risk Warning
Trading bullion and financial instruments carries significant risks and may not be suitable for all investors, requiring careful consideration of investment objectives, experience, and risk tolerance. Key risks include market volatility, leverage risks that can amplify gains or losses, liquidity issues that may prevent executing trades at desired prices, and technical failures in online trading systems. Prices fluctuate unpredictably, and past performance does not guarantee future results. CIDT Global Bullion Limited provides general market commentary but does not offer investment advice and is not liable for any losses incurred from reliance on its information, which may change without notice.
Jurisdiction Disclaimer
CIDT Global Bullion Limited's services are subject to local regulations and may not be available in all jurisdictions. Users are responsible for ensuring compliance with their local laws. Services are not provided in regions where they are prohibited by law, under international sanctions, or require licensing that the company does not hold. By using the platform, users confirm they are not in a restricted jurisdiction and accept full responsibility for legal compliance. The company reserves the right to decline or terminate services in restricted areas without prior notice.