Source: today's morning post author: liu wei 09:03:19 2014-12-16

Stock markets, once "disappeared" equity-linked class bank financial products are active. For those who are not familiar with the stock market, and want to share a bull market returns for investors, no doubt very attractive.

Reporter suggests, however, didn't find out the rules of the game before, be careful to buy this kind of product.

Recently, the Banks have been issuing financial products linked to stock market index, and yields higher than the ordinary bank financial products.

So, this kind of product how much investment value?

Actually reading history, it is not hard to find, for each bull run will have this kind of product, but the real achieve high yields. This kind of product is structured products more, in order to achieve high yield, conditions are very strict, so investors are still cautious when buying this kind of product a little better.

Shanghai stock market grail jumped 10% in November, in monthly closing out of the 7 male thread that will be the atmosphere of the bull market pushed to a new climax. Banks have also launched and equity-linked products, hope to be able to take this opportunity to share the joy of the bull market.

Net silver rate statistics show that since the third quarter of this year, a total of 22 commercial Banks issued 858 structured financial products, increase 16.73% month-on-month, exploded by 95% year-on-year.

Tied to stock index of structured financial products, most of 235, accounted for 27.39%. Including China merchants, peace, everbright, many Banks, issued shares hook type products.

Although these products and stock index or hooks, but not the stock market up, these products can achieve the highest returns.

One of the joint-stock Banks, for example, recently expired a break-even tied to stock products, 100% annualized return of 11%, the highest maturity real annualized yield is only 3%. Why is that? For this period, the rise of the stock market is far more than the financial product barriers to set the price at the time, in accordance with the structured financial products set the rules, can only payment according to the lowest yield standards.

So, this kind of structured products can achieve the highest yield, the key is to see it, the condition of earnings rather than the rise and fall of the stock market.

For ordinary investors, especially the risk tolerance of investors, it is not recommended to buy this type of financial product, after all, sometimes there will be a break-even situation. Although some structured financial products a "break-even", but also can keep 90% of the book.

Investors if you want to buy this kind of product, be sure to carefully read the contract requirements, don't be expected high yield to stun, also don't blindly bank business personnel to promote sales. After all, the design of structured financial products terms is very complex, investors should be in guarantee under the premise of the principal, choose a in line with market expectations, conditions of the product can reach the highest revenue.