The so-called short-term wealth management products refer to wealth management products sold by commercial banks and invested in financial markets with high market credit rating and good liquidity. Such products are often cooperated by banks and trust companies, and the term will not exceed one year. From the classification of short-term wealth management products, we can see that short-term wealth management products of banks are divided into two types: guaranteed and non-guaranteed. Generally, guaranteed wealth management products have little risk and less income. Non-principal-guaranteed wealth management products are relatively risky and have more natural benefits. Therefore, everyone should choose appropriate financial products according to their risk tolerance to avoid unnecessary risks.

The risk of short-term wealth management products of banks can not be ignored. It is particularly noteworthy that after purchasing wealth management products, we should always pay attention to whether the central bank raises interest rates; Under normal circumstances, after the investment of a wealth management product expires, if it is not redeemed, then the bank will automatically invest in the next cycle for the user. At this time, everyone should pay attention to whether the rate of return changes; If the central bank cuts interest rates, the income of many bank wealth management products will also decrease.

For investors, the flexibility of short-term bank wealth management products is beyond doubt, but such products also need to attach great importance to risks. The short-term wealth management products of banks, especially the ultra-short-term wealth management products of banks, are precisely because of the short investment period. Many banks focus on promoting short-term benefits, and there are not many tips for customers to take risks. Investors should not only pay attention to the expected annualized rate of return, but ignore other characteristics of such products.

First of all, due to the different investment scope, the expected rate of return of short-term wealth management products of banks is quite different, even for the same type of products, the expected rate of return of banks is also different. Secondly, investors should carefully study the instructions and pay attention to the subscription and redemption rates of short-term products. If investors have a high demand for liquidity, we should also consider the product term and the interval between the arrival of funds. In addition, investors should pay close attention to when the central bank will continue to raise interest rates when buying short-term wealth management products of banks. Generally speaking, after one operation cycle of short-term products is over, banks will automatically invest for customers in the next cycle. At this time, investors need to grasp the time and go to the bank to make relevant adjustments.