I don't think this wealth management product exists. As long as there are certain risks in wealth management products, and the risks are directly proportional to the benefits, don't covet the coexistence of low risks and high returns. If you persist in this idea for a long time, you will definitely enter pyramid schemes or lose all your money.

If you want to earn more, you should first recommend high-yield and high-risk stocks. However, if you are just starting to manage your finances, don't recommend into the pit. The risk is too high for everyone to lose.

Secondly, if you want low-risk things, I suggest you put your money in the bank and manage your money regularly. There is no risk in bank deposits, but the income is particularly low. Regular financial management yields 5%, with little risk.

Let's put our minds right. There is always a balance between gains and losses, either with both or without them.