At present, in addition to stocks and funds, there are also financial products such as maturity, wealth management, national debt, foreign exchange, precious metals and futures. The greater the risk, the higher the expected return. If investors want stability most, they can choose products with less risk such as maturity, wealth management and national debt. Investment is the economic behavior of a specific economic entity to invest a sufficient amount of money or physical currency equivalents in a certain field in order to obtain income or capital appreciation in the foreseeable future.

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1, wealth management products

Financial products refer to various carriers in the process of communication between capital and finance, including currency, gold, foreign exchange, securities and so on. In other words, these wealth management products are the transaction targets of financial markets. Through the principle of market competition, the supply and demand sides form the price of financial products, such as interest rate or yield, and finally complete the transaction to achieve the purpose of financing. For example, stocks, futures, options and insurance policies are all financial assets, also known as financial instruments and securities.

2. The main classification methods of financial products

(1) can be divided into three categories according to different product forms, namely, money, tangible products and intangible products.

1 currency. With the change of the monetary system, its form has also changed, from shells and cloth to metal currencies such as gold, silver and copper, and finally the substitute currency, namely paper money, has appeared.

② Tangible products. There are many kinds of such products, including treasury bonds, short-term treasury bonds, foreign debts, private debts, corporate bonds, long-term treasury bonds, negotiable certificates of deposit, bank acceptance bills, commercial bills, promissory notes, long-term checks, bonds repaid in kind, dividend bonds, stocks, checks, insurance policies, savings and so on.

③ Intangible products. That is, financial services can be roughly divided into eight aspects: loans, deposits, foreign services, transfer savings, location or time services, credit services and so on.

(2) According to the nature of the issuer, wealth management products can be divided into direct wealth management products and indirect wealth management products.

① Direct financial products refer to discretionary instruments issued or signed by companies, enterprises, government agencies and other non-financial institutions for direct financing activities between ultimate lenders and ultimate borrowers. There are mainly the following categories: corporate bonds, stocks, mortgage contracts, corporate bonds and national debt.

(2) Indirect financial products refer to the tools used by financial institutions as intermediaries between lenders of last resort and borrowers of last resort for indirect financing activities. There are mainly the following categories: bank bills, negotiable certificates of deposit, life insurance, financial bonds and various IOUs.

(3) According to the duration of the credit relationship, it can be divided into short-term financial products and long-term financial products.

① Short-term wealth management products generally refer to money market credit instruments with repayment period within one year. There are mainly the following categories: various bills, negotiable certificates of deposit and treasury bills.

② Long-term wealth management products refer to credit instruments with repayment period exceeding one year in the capital market. There are mainly the following categories: stocks, bonds and various funds.