Differences in nature:

The essence of structured deposits is a combination of national income products and options in the form of product trading, through the combination of options and fixed income products, the investment income of structured products and the price fluctuations of the underlying assets have a linkage effect, which can guarantee the principal or obtain a higher return on investment to a certain extent; A fixed deposit is a type of bank deposit. The term ranges from 10 months to 0 years, or more than 0 years, and usually the longer the deposit term, the higher the interest rate. Traditional time deposits are not only in the form of certificates of deposit, but also in the form of passbooks, which are also known as passbook time deposits.

Different meanings :

Structured deposits, known as value-added income products, are innovative deposits that combine interest rates, exchange rate products, and traditional deposit business. Fixed savings deposit refers to a type of savings in which the bank and the depositor agree on the deposit period and interest rate in advance, and withdraw the principal and interest at maturity. Some certificates of deposit can be sold on the market. Some certificates of deposit cannot be transferred. If the depositor chooses to be in

If you withdraw money from the bank before the maturity date, you will have to pay a certain fee to the bank.

Different features: Structured deposit is a product that obtains a higher return on investment under the premise that the customer voluntarily presents a certain risk unilaterally; Structured deposits are usually 100% capital protected, and customers are exposed to the risk of losing interest, but not principal, and poor liquidity. Due to the poor liquidity of structured deposits, customers are not allowed to withdraw the principal in advance during the deposit period of the structured deposits. Therefore, customers need to pay attention to the issue of capital flow when investing. A feature of a fixed deposit, the deposit has a term. The longer the term, the higher the interest rate. Deposit slips cannot be transferred like cheques, deposits are not allowed to be withdrawn until maturity, and fixed deposits, although not overdrawn, can be used as chattel collateral to obtain loans from banks or credit unions.

The range of deposits is different:

Deposit insurance only covers the principal amount of a structured deposit and the expected interest is not guaranteed. Since the interest rate on structured deposits is floating, we should look at the underlying price performance. The principal and interest of a fixed deposit are covered by deposit insurance, and the interest on a fixed deposit is generally determined according to the bank's listed deposit interest rate.

Interest calculation dates are different:

Structured deposits usually have a subscription period, and the interest can only start on the same day as the time deposit starts on the interest accrual date.

What is the difference between structured deposits and wealth management products?

1. Earning method. The expected rate of return is the income method of wealth management products, and the interest rate is the income method of financial products such as structured deposits. Structured deposits are riskier and at the same time have higher returns.

2. Profitability. The yield of structured deposits is lower than that of non-principal-protected products, and similar to that of principal-protected wealth management products.

3. Threshold. Wealth management products are mainly aimed at the majority of the population, that is, the general population, so the threshold is low, and most users can buy wealth management products. However, the threshold for structured deposits is relatively high, and the target groups are also different.