Financial Products "Bottom Guaranteed Interest" Commitments Can Not Be Trusted.

The investment and financing market is hot, causing contract disputes to increase.

Whether it is financial management, life, work, we suggest that you make a plan, whether it is short-term or long-term, whether it is two years, five years, or ten years, we must do it.

The judge of the second intermediate people's Court of Beijing reminded that investment and financial management should pay attention to reviewing the terms of return in the contract, and do not trust others' promises such as "guaranteed capital and interest protection".

Li bought a RMB financial product from a bank and signed the product contract and risk disclosure book.

After the expiration of the product, the bank did not pay interest at 7% of the annualized interest rate, and only paid 1.5% interest to Lee.

Lee took the bank to court and asked the bank to pay interest for a year.

The court held that the product contract, product specification, and

"To Li indicated that financial products belonged to guaranteed floating income based financial products, rather than Guaranteed Fixed Income financial products.

At the same time, the annual yield of the product is 7%, and the terms of payment are agreed.

However, when Lee terminated the product deadline, the condition was not realized. Therefore, the bank did not calculate the financial returns in accordance with the annualized yield of 7%, which was in accordance with the contract.

The court dismissed lien's claim in accordance with the law.

Cao Xin, a judge of the three Court of the second intermediate people's Court of Beijing, said that some financial institutions would publicize the expected yield of products in order to attract customers, but the contract did not guarantee the relevant content of the expected rate of return, while requiring investors to make a commitment to "invest their own risk".

Once the actual return fails to achieve the expected revenue, if the financial institution does not recognize it, investors' opinions can not be supported.

The judge reminded that in a large number of investment and financing contracts, the investment income is stipulated as "trustee commitment. In any case, the principal and fixed income of the investor will not be lost, and the trustee will bear the risk of investment".

It should be noted that in addition to the guaranteed financial products issued by financial institutions approved by the state, such warranty provisions are invalid because they are contrary to the principle of fairness.

The loss often depends on the fault of both parties.

When entrusting another person's investment, investors should not trust others' commitments such as "guaranteed interest and interest protection" to safeguard their own rights and interests.

In fact,

It is the best and most direct way to save money. Most of the money of the older generation is accumulated by fixed deposit.

Now, there are many channels for financial management. Many people can't see that they have fixed deposits, including me.

Feel free to take care of the money, the proceeds are higher than the regular earnings.

After that, the money was not paid, and the principal was gone.

Although the deposit can not bring too high profits, it is the best way to protect the principal.

No matter whether you are single or have become a family, you should have some reserve funds in case of urgent need.

Since I have saved a few money to save my assistant, I really can not get rid of it. Apart from living expenses, I have saved all the money to save assistants. Sometimes I have not paid any money when I am not paid, or I have been delayed for a few days. I really feel like a monkey in the fire. This state is undesirable, and there is a degree of financial gain.

The normal thing is to keep a reserve fund for 3-6 months, depending on your circumstances.

Reasonable use of loans is also a way to make money.

It is really very low and low, and the long-term loan interest rate is less than 5 points.

If you can make use of the loan to make investment and earn the difference, it is also a good way to manage your finances. So, when buying a house, you can borrow money on loan, how long you can borrow and how long it will be, and make the most of the loan.

Mention this blindly follow the wind, it is estimated that many people are a nose, a tear.

In the first half of 15 years, the bull market in the first half of the year started a bear market in the second half of the year. In the first half of the year, in the first half of the year, how many small white people were caught up in the wind, and they were still caught up in the top of the mountain. They couldn't afford to blindly follow suit; I was a real example; I was at almost 5000 o'clock when I plunged into the fund and bought it all at once. Now the average loss is 40%. Now every month is fixed by fixed investment.

In the second half of the year, he began to fall, and profits fell. Fortunately, I cleared the warehouse in time without the loss of principal.