Fixed income wealth management products refer to wealth management products that provide investors with income at a fixed interest rate or income. The main investment targets of fixed-income wealth management products include treasury bonds, bonds, convertible bonds and time deposits. Fixed-income wealth management products have a fixed payment method of principal and interest. Compared with equity products such as stocks, fixed-income wealth management products have lower risks and more stable and reliable returns. The return on investment of this product usually consists of two parts: one is the interest on fixed income, and the other is the due principal. Investors can get relatively stable income by buying these products, and can recover the principal when it expires. Fixed-income wealth management products are issued by financial institutions and realize income by investing in various fixed-income securities. The advantages of fixed-income wealth management products are high income certainty and relatively low risk, which are suitable for medium and long-term investment.