1. At present, there are no wealth management products with guaranteed capital and high returns on the market. Because investment is risky, the return is proportional to the risk, and the greater the risk, the greater the return. Capital preservation and high income are in conflict, and the wealth management products with capital preservation often have low income. If you want to protect your profits, you can consider buying government bonds and the like. There are financial products with guaranteed capital, but it is impossible to guarantee income at the same time, because banks also have investments. And ordinary wealth management products, especially short-term, the income will definitely not be lower than the deposit period, and the income is generally the same as the expected income, which is relatively stable.

2. Wealth management products, that is, a wealth management product designed and issued by commercial banks and formal financial institutions themselves, put the raised funds into relevant financial markets and purchase relevant financial products according to product contracts, and then distribute them to investors according to the contract after obtaining investment income. Bank RMB financial products can be roughly divided into bond type, trust type, linked type and QDII type. The expected rate of return of bank wealth management products is only an estimate, not the final rate of return. Moreover, the bank's oral publicity does not represent the content of the contract, which is the most standardized agreement of wealth management products. Financial experts said that in the current weak market environment, investors need to read the product manual carefully when buying bank wealth management products, and don't expect too much from the income of wealth management products.