1. Fixed income products: such as bank deposits, national debt, regular wealth management, money funds, etc. , usually have a clear expected rate of return and investment period. As long as investors hold the maturity, they can generally get the principal and income as agreed, and the funds can be redeemed smoothly.

2. Floating income products: such as stocks, funds (except monetary funds), futures, foreign exchange, gold, P2P online loans, etc. Income is closely related to market fluctuation and there is a risk of principal loss. When the market is bad or the investment decision is wrong, it may lead to the loss of the investment principal and cannot be fully recovered.

3. Formal financial institutions: such as banks, securities companies, insurance companies and fund companies. Under strict supervision, the risk is relatively low. Even if the investment losses, as long as the financial institutions operate normally, investors can still recover part or all of the principal through redemption and sale.

4. Informal platforms or illegal fund-raising: For example, some P2P platforms without financial licenses, pyramid schemes, underground banks, etc., may have risks such as fraud, running away, and broken capital chains, resulting in the inability of investors to recover their funds.

The conclusion is that whether the money invested in financial management can be recovered depends on the nature of investment products, the stability of investment platform, the market environment and economic cycle, the investment period and redemption conditions, and the individual operation of investors.