The investment threshold of financial products, that is, the investment starting point, refers to the minimum investment amount when investors purchase financial products. Setting investment thresholds is not only a confirmation of investors' risk tolerance, but also reflects the target market positioning of financial institutions.

Bank financial products often set investment thresholds based on risk levels. Common investment thresholds are: 50,000 yuan for risk levels 1 and 2, 100,000 yuan for risk levels 3 and 4, and 100,000 yuan for risk levels 1 and 2. Level 5 is 200,000 yuan. The investment threshold for trusts is generally a minimum of 1 million yuan. For securities firm asset management plans, the participation amount of a single customer in collective and targeted asset management plans shall not be less than 1 million yuan.

Of course, as competition intensifies, investment thresholds are not static. For example, with the emergence of new financial management methods such as Yu'E Bao in 2013, there is almost no investment threshold. As a result, the investment threshold for various financial products will gradually be lowered to cater to the needs of investors.

Investment and financial management refers to investors’ reasonable arrangement of funds, such as savings, bank financial products, bonds, funds, stocks, futures, spot commodities, foreign exchange, real estate, insurance, gold, P2P, Investment and financial management tools such as culture and artwork manage and distribute the assets of individuals, families, enterprises and institutions to achieve the purpose of maintaining and increasing value, thereby accelerating the growth of assets.