High returns bring high risks. As we all know, there is no better way to say it. It is suggested that deposit wealth management products should be guaranteed floating income, not guaranteed floating income. Remember, don't just listen to the staff, know what financial products you want to buy. Don't be misled and deceived by unprofessional people.

Extended data

There are several ways to manage money:

1. Bank wealth management: The wealth management products provided by commercial banks in China are divided into three categories: guaranteed fixed income products, guaranteed floating income products and non-guaranteed floating income products. Every bank has it, so you can go to the outlets for consultation, so that you can understand it more clearly.

2. Financing of securities companies: Securities financing generally includes stocks, funds, commodity futures, stock index futures and foreign exchange futures. Individual or institutional investors can choose different financing tools according to their different needs and investment preferences. The risks and rewards of this kind of financial management are relatively high, so we should choose carefully according to our own situation.

3. Insurance financing: Insurance financing tends to be long-term, focusing on solving education planning and pension planning after a long time, and at the same time solving security problems such as accidents and medical care. This income cycle is relatively long.

4. Investment company financing: Investment company financing generally includes trust funds, gold investment, jade, jewelry, diamonds, third-party financing, etc. It needs high start-up capital and is suitable for high-end wealth managers.

5. E-commerce financing: 2 1 century, in addition to online financing, financial search engines on the Internet can also be used to search for financial products, make multiple comparisons of risks and benefits, and then make investments.

Bank financing trend:

First, the gradual expansion of interbank financial products, mapping the original "silver-silver" cooperation model between foreign-funded institutions and Chinese commercial banks into the interbank financial management model between large domestic banks and small and medium-sized banks.

Second, the gradual attempt of portfolio insurance strategy, whether the product is stable or not depends not on whether to participate in the investment of high-risk assets, but on the rational allocation of investment portfolio.

Third, the number of dynamic management products is increasing gradually, and the flexible investment direction and portfolio and high liquidity are the main advantages of such products. However, the information transparency of such products is worthy of attention.

Fourthly, the gradual prosperity of POP(Product of Product) meets the investment needs of investors with different risk tolerance through the combination of different types of bank wealth management products.